The Best Home Insurance in Texas for 2024

Chubb and Amica are among the best home insurance companies in Texas, according to our analysis.

We analyzed data from more than 30 insurance companies to help you find the best home insurance in Texas. Below are the insurers that earned 4.5 stars or more in our analysis. Rates are based on a sample homeowner with good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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The best home insurance companies in Texas

Here's more information about the best homeowners insurance companies in Texas.

Amica stands out for its customer service and broad range of coverage options. The company has drawn far fewer consumer complaints to state regulators than expected for an insurer of its size, according to the National Association of Insurance Commissioners.

You can customize your policy with extra coverage above your dwelling limit, in case your house costs more to rebuild than expected. You may also want to add coverage for damage from water backups or recovery from identity theft.

» READ MORE: Amica homeowners insurance review

Chubb generally serves affluent policyholders with high-value homes, offering lofty coverage limits and plenty of perks. For example, the company covers water damage from backed-up sewers and drains, and pays to bring your home up to the latest building codes during reconstruction after a claim. (Many insurers charge more for these types of coverage.)

Texas homeowners can also sign up for free Wildfire Defense Services. These services include personalized recommendations for protecting your home and deployment of firefighters to your house if a wildfire is approaching.

» READ MORE: Chubb homeowners insurance review

Allstate is one of the largest home insurance companies in the U.S. The company offers many ways to customize your policy, including replacement cost coverage for your personal property and coverage for water damage caused by backed-up drains. Other, less common options may include home-sharing coverage and reimbursement for replacing damaged items with energy-efficient versions.

You can also upgrade your policy with the Enhanced Package. One benefit of this package is Deductible Rewards, which takes $100 off your deductible for signing up, plus an additional $100 off for each year you go claim-free. And if you do file a claim, your rates won’t go up.

» READ MORE: Allstate homeowners insurance review

Cincinnati Insurance sells homeowners policies through independent agents, with various options for standard and high-value homes. You may be able to add coverage for things like identity theft, personal cyber attacks or certain types of water damage.

Cincinnati may offer you a discount for bundling home and auto insurance, having a newer home or installing a centrally monitored alarm system.

» READ MORE: Cincinnati Insurance homeowners insurance review

Farmers stands out for its lengthy list of discounts, including ones for installing protective systems like fire alarms and sprinklers, not smoking for the past two years, and paying your premium on time. You may be able to customize your policy with a declining deductible, which will reduce your deductible by $50 each year you have your policy. You can also add claims forgiveness, which means your rates won’t go up because of a claim if you’ve been claim-free for a certain amount of time.

Farmers draws fewer than the expected number of home insurance complaints to state regulators relative to its size, according to the NAIC.

» READ MORE: Farmers home insurance review

We like Nationwide for its wide variety of coverage options. For example, its standard homeowners insurance policy generally includes ordinance or law coverage, which can help pay to bring your home up to current building codes after a covered claim. You can add other coverage for things like identity theft and damage from backed-up sewers and drains.

Depending on how much personal assistance you need, you can get a quote for homeowners insurance on the Nationwide website or work with a local agent instead. You can also use the website to pay bills, file claims or check claim status.

» READ MORE: Nationwide homeowners insurance review

As America’s largest home insurer, State Farm stands out for its long list of coverage options. Its policies generally include extra dwelling coverage in case it costs more than expected to rebuild your home after a covered disaster. You may also be able to add coverage for things like identity theft, damage from backed-up drains and personal injury liability.

State Farm offers a free Ting device as a perk for home insurance policyholders. Ting is a smart plug that monitors your home’s electrical network to help prevent fires.

» READ MORE: State Farm homeowners insurance review

Travelers offers a robust online experience. You can use the website to get a homeowners insurance quote, file and track claims, make payments, and learn about insurance basics.

Its coverage offerings are similarly strong. For example, you may be able to add extra coverage in case the dwelling limit on your home isn’t enough to rebuild your house after a disaster. One unique option is Travelers’ green home coverage, which pays extra if you want to use eco-friendly materials when repairing or rebuilding your home after a covered claim.

» READ MORE: Travelers homeowners insurance review

USAA sells homeowners insurance to veterans, active military members and their families. If that description fits you, you may want to consider a USAA policy. That’s because the company’s homeowners insurance has certain features that other insurers may charge extra for.

For example, USAA automatically covers your personal belongings on a replacement cost basis. Many companies pay out only what your items are worth at the time of the claim, which means you may not get much for older items. USAA pays enough for you to buy brand-new replacements for your stuff.

» READ MORE: USAA homeowners insurance review

How much does homeowners insurance cost in Texas?

The average annual cost of home insurance in Texas is $4,400. That’s 130% more than the national average of $1,915.

In most U.S. states, including Texas, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.

In Texas, those with poor credit pay an average of $7,705 per year for homeowners insurance, according to NerdWallet’s rate analysis. That's 75% more than those with good credit.

» MORE: How your credit score affects homeowners insurance

Average cost of homeowners insurance in Texas by city

How much you pay for home insurance depends on where in the state you live. For example, the average cost of homeowners insurance in Houston is $6,610 per year, while homeowners in Dallas pay $5,045 per year, on average. Meanwhile, home insurance is much cheaper in El Paso at just $2,405 per year, on average.

» MORE: What’s the average cost of homeowners insurance?

The cheapest home insurance in Texas

Below are the insurers we found with average annual rates below the Texas average of $4,400.

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Common risks for Texas homeowners

Here are a few things to keep in mind when evaluating home insurance companies in Texas.

Hurricanes

Homeowners insurance typically covers damage caused by wind, but in Texas you may pay a separate insurance deductible for any wind or hail damage.

Depending on where you live, your insurer may decline to provide windstorm coverage as part of your homeowners insurance policy. Should that happen, you can purchase separate windstorm insurance. If a private insurer rejects you, you can usually get coverage from the Texas Windstorm Insurance Association as long as you live in a designated coastal county.

Hurricanes can also cause flood damage, which a standard homeowners insurance policy won’t cover. To check your flood risk, look up your address on the Federal Emergency Management Agency's flood maps. However, FEMA’s maps don’t always capture all types of flood risk, so you may also want to check the website of the nonprofit First Street Foundation, which models climate risks. Enter your address in the top left corner to see your home’s flood risk rating on a scale of 1 to 10.

Learn more about flood insurance and how to buy it.

» MORE: Complete guide to hurricane insurance

Hail

Hailstorms can wreak havoc on roofs, but fortunately for homeowners, a typical home insurance policy will pay for hail damage.

As noted above, some Texas policyholders may not be able to get wind and hail coverage with their homeowners insurance, depending on where they live. In these cases, the Texas Windstorm Insurance Association may be able to help.

Tornadoes

A standard homeowners insurance policy covers damage from a tornado, along with any additional living expenses you might have if you're temporarily displaced from home because of tornado damage. But as with hurricanes and hail, you may need extra insurance to cover tornado damage if your homeowners insurance doesn’t cover windstorms in your area.

Wildfires

A standard home insurance policy will cover wildfire damage and pay for you to live elsewhere if you’re unable to stay in your own house during repairs.

» MORE: Wildfire insurance: What to know

Texas Department of Insurance

Got a complaint about your insurer or a question about your policy? Contact the Texas Department of Insurance, which oversees the state’s insurance industry. You can call the department at 800-252-3439.

Your insurance company is required to give you a copy of the TDI’s Consumer Bill of Rights when it issues you a homeowners policy. Among other things, this document explains how the claims process works and under which circumstances an insurer can cancel your policy.