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Best Homeowners Insurance in Austin

If you’re searching for the best homeowners insurance in Austin, read on to find out our top picks.

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A homeowners insurance policy can protect you from serious expenses if your home gets damaged or destroyed. Instead of paying thousands out of pocket to repair or rebuild your home’s structure and replace your personal property, you can rely on your monthly premium to help safeguard your finances.

Unfortunately, it can be difficult to choose the best home insurance company for you. There are many providers that service Austin, Texas, but they are not all equal. They can differ in terms of overage, cost, and customer service quality.

In this guide, we examine the top homeowners insurance companies in Austin. Keep reading to learn about the top four companies, and to get free quotes from each, call 855-948-5219 or enter your zip code in the tool below:

Austin’s Top 4 Homeowners Insurance Companies

The highest-rated homeowners insurance companies in Austin include:

  1. Allstate: Best Overall
  2. Amica: Best Customer Service
  3. Travelers: Most Experience
  4. Lemonade: Quickest Sign-Up

The best home insurance providers in Austin offer extensive coverage, including a variety of endorsements to customize your coverage, and affordable monthly premiums. Below is a breakdown of how the companies compare to one another.

Compare the Best Homeowners Insurance Companies

See how the top homeowners insurance companies in Austin stack up on key metrics.

Comparison

Provider Known for Get a Quote Score Monthly Cost* Years in Business States Covered BBB Rating
Provider Known for Get a Quote Score Monthly Cost* Years in Business States Covered BBB Rating
Allstate Best Overall Not available through This Old House 98.10 $122 89 50 A+
Travelers Most Experience Not available through This Old House 93.60 $89 167 49 A+
Amica Best Customer Service Not available through This Old House 96.60 $187 113 47 A+
Lemonade Quickest Sign-Up Visit Site 83.50 $25 and up 5 23 B+

*Cost may be calculated for homes of slightly varying values

Industry-Standard Coverage

Most home insurance companies provide six basic forms of coverage—dwelling, other structures, personal property, loss of use/additional living expenses, personal liability, and medical payments to others. Each of our top picks offers these standard coverages. You can find a breakdown below.

Coverage

Type Description
Type Description
Dwelling + other structures Covers the cost of repairing or rebuilding your home’s interior and exterior structures, in addition to any other structures on the property
Personal property Covers the replacement of personal possessions, including clothing, electronics, and furniture
Personal liability Covers attorney fees, court fees, and any damages resulting from someone being injured on your property
Loss of use/additional living expenses Covers living expenses like dining and accommodations if your home is temporarily uninhabitable due to covered damage or destruction
Medical payments to guests Covers the medical expenses if someone is injured in your home

1. Allstate

Allstate is one of the largest home insurance providers in the entire country and sets itself apart with its many customization options and its 24/7 customer service center. Unlike some of its competitors, Allstate has a 24/7 center for all home insurance questions—not limiting communication with representatives to just claims. This makes it a convenient choice for homeowners who prefer to speak directly with customer service representatives in real time.

Weigh the pros and cons of Allstate below.

Pros and Cons of Allstate 

Pros Cons
Pros Cons
Extensive endorsement options to customize your policy Average customer satisfaction ratings
Second-largest homeowners insurance provider in the U.S.
24/7 customer service for all insurance questions

Plans and Pricing of Allstate

We received an instant quote for a new construction, single-family, approximately 2,200-square-foot home in Austin valued at roughly $240,000. The monthly premium came out to $122.

Plans

Type of Coverage Amount of Coverage
Type of Coverage Amount of Coverage
Dwelling $241,790
Other structures $24,000
Personal property $145,000
Loss of use $24,000
Liability $100,000 per occurrence
Medical payments to others $1,000 per person
Deductible $1,000
Monthly Cost $122

Discounts

Allstate offers a variety of discounts to help reduce your premium:

  • Multi-policy
  • Early signing
  • Claim-free
  • Home alarm
  • Roof
  • Smoke-free
  • Storm shutter
  • Homebuyer
  • Easy Pay Plan
  • Age 55 and retired
  • Welcome and loyalty

Allstate Endorsements

Here you can see a sample of Allstate’s endorsements. Add-on coverages can vary depending on the state, so you should confirm which ones are available in your personalized quote.

Endorsements

Type Description
Type Description
Personal umbrella policy Increases limits of personal liability coverage and adds coverage for lost wages and legal fees
Earthquake Covers repairs or replacement of your home after an earthquake
Flood Covers repair or replacement of your home in the event of a flood (required for homeowners in certain locations)
Water backup Covers water damage caused by clogged drains or sump pump failure
Scheduled personal property Covers valuable personal belongings, including jewelry, antiques, and more
Business property Covers computers and other home office equipment or equipment from a small business run out of the home
Sports equipment Covers golf clubs, skis, bicycles, and other sports equipment
Identity theft protection Covers legal fees and others costs associated with identity theft or fraud
Green improvement reimbursement Increases coverage to upgrade appliances with more energy-efficient uses after a loss
Electronic data recovery Covers costs from recovering lost computer data
Yard and garden Covers trees, landscaping, and ornamental plantings, or adds coverage for lawn equipment
Musical instruments Covers valuable musical instruments

2. Amica

Amica® offers extensive protections and special features like Contractor Connection. This program connects vetted, experienced contractors with homeowners within as little as 24 hours for repairs. Homeowners can track the repair progress online, and all the workmanship comes with a five-year warranty.

Weigh the pros and cons of Amica below.

Pros and Cons of Amica

Pros Cons
Pros Cons
Comprehensive coverage Not available in Alaska, Florida, or Hawaii
Affordable rates Does not use local agents
Contractor Connection

Plans and Pricing of Amica

We received an instant quote for a new construction, single-family, roughly 2,200-square-foot home in Austin valued at approximately $240,000. The monthly premium came out to $187.

Plans

Type of Coverage Amount of Coverage
Type of Coverage Amount of Coverage
Dwelling $240,000
Other structures $24,000
Personal property $120,000
Loss of use $72,000
Liability $500,000
Medical payments to others $5,000
Deductible $1,000
Monthly Cost $187

Discounts

Amica offers a range of discounts:

  • Multi-policy
  • Claim-free
  • E-discount
  • Autopay
  • Loyalty
  • Alarm system
  • Automatic detection devices
  • New and remodeled homes

Amica Endorsements

Amica offers a variety of optional endorsements.

Endorsements

Type Description
Type Description
Personal property replacement Fully covers the replacement cost for stolen or damaged items, instead of depreciated value
Scheduled personal property Offers more extensive protection for valuable items like jewelry or antiques
Automatic dwelling coverage increase Increases coverage limits when the cost to rebuild your home exceeds what your underlying policy allows
Credit card Covers up to $5,000 if your card is used fraudulently
Water backup/sump pump failure Covers damage from water backup and sump pump failure
Computer Covers computers, tablets, smart televisions, and smartphones
Catastrophic Covers damage due to earthquakes and floods
Liability and medical payment Increases liability coverage for legal fees and medical expenses

3. Travelers

Travelers is a reliable home insurance company with more than 160 years of experience in the industry. The insurer provides a wide variety of add-on endorsements, with eco-friendly options like Green home, an endorsement that allows you to reconstruct your home after a covered loss with environmentally friendly materials in the event of a covered disaster.

To get a free Travelers home insurance quote call: 844-204-3517

Weigh the pros and cons of Travelers below.

Travelers Pros and Cons

Pros Cons
Pros Cons
More than 160 years of experience Few discounts available comparatively
Some less common endorsements, like Green home Poor reviews for mobile app
Available in most states

Plans and Pricing of Travelers

We received an instant quote for a new construction, single-family, approximately 2,200-square-foot home in Austin valued at approximately $240,000. The monthly premium came out to $89.

Plans

Type of Coverage Amount of Coverage
Type of Coverage Amount of Coverage
Dwelling $244,000
Other structures $24,400
Personal property $122,000
Loss of use $48,800
Liability $100,000
Medical payments to others $2,000
Deductible $1,000
Monthly Cost $89

Discounts

Travelers offers several discounts to help you reduce the cost of your home insurance:

  • Multi-policy
  • Loss-free
  • Homebuyer
  • Protective device
  • Green home

Travelers Endorsements

Travelers offers multiple add-on coverage options.

Endorsements

Type Description
Type Description
Contents replacement cost Pays to replace damaged or destroyed belongings at actual value, not factoring in depreciation
Additional replacement cost Adds an additional amount of up to 25% of your dwelling coverage if there is an increased cost to rebuild your home
Personal articles floater Provides coverage for specific, documented items
Jewelry and valuable items Additional coverage for valuable items like jewelry and fine art
Green home Helps pay to repair, replace, or rebuild your home with green materials after a covered loss
Valuable Items Plus Additional coverage for valuable items like jewelry, computers, and musical instruments
Identity theft Pays up to $25,000 for costs related to identity theft
Water backup Pays for damage to your home caused by sewer or drain backup and sump pump failure

4. Lemonade

Lemonade is a newcomer to the home insurance industry, offering a technology-driven approach and a focus on charity. The provider pools all of the money for premiums and donates whatever is left over at the end of the year to charity. To file claims, homeowners upload videos to a convenient mobile app, and nearly a third of claims are handled instantly.

Weigh the pros and cons of Lemonade below.

Pros and Cons of Lemonade

Pros Cons
Pros Cons
Easy-to-use mobile app No auto insurance
Almost a third of claims handled instantly Not available nationwide
Charitable Giveback program

Plans and Pricing of Lemonade

We got an instant quote for a single-family, new construction, roughly 2,200-square-foot home in Eureka, California. The premium came out to the affordable rate of $60.75. You can get a free quote online to find out how much it would cost to cover your Austin home.

Plans

Type of Coverage Amount of Coverage
Type of Coverage Amount of Coverage
Dwelling $350,000
Personal property $175,000
Loss of use $105,000
Liability $300,000
Medical payments to others $1,000 per person
Deductible $1,000
Monthly Cost $60.75

Discounts

Lemonade offers several discounts:

  • Fire protection
  • Protective devices
  • Gated community
  • Multi-policy

Lemonade Endorsements

Lemonade offers a selection of endorsements.

Endorsements 

Type Description
Type Description
Scheduled personal property Covers the cost to replace damaged or stolen items like jewelry, art, musical instruments. and furs
Home business Covers operating a business out of the home
Earthquake Covers the cost of repairing and rebuilding structures after damage from an earthquake
Sewer backup Covers cost of damage to home after sewer backup

Our Conclusion

Each of the homeowners insurance companies we selected stands out in its own way. Allstate is the best overall option, with a wide range of endorsements allowing you to customize your policy and a 24/7 customer service center available to answer any questions. Amica has impressive customer service, including the Contractor Connection program. Travelers has a proven track record and more than 160 years of experience, and Lemonade offers a technology-forward approach and gives back to charity, so you can know that your company is supporting a good cause.

Before you purchase a homeowners insurance policy in Austin, we recommend getting a free quote from all four providers to compare coverage and pricing. For quotes, call 855-948-5219 or input your zip code in the tool below:

Frequently Asked Questions

What is the average cost of homeowners insurance in Texas?

Texas is the fifth-most expensive state for homeowners insurance, with an average cost of $3.249 per year, according to Zillow.

Who offers the best home insurance rates in Texas?

This will depend on a variety of factors, including the age and size of your home, the materials it was constructed with, the deductible you select, and more. Of the companies we’ve evaluated, Lemonade has some of the best homeowners insurance rates in Texas.

Who has the best homeowners insurance in Texas?

We believe that Allstate has the best overall homeowners insurance in Texas, and Travelers, Amica, and Lemonade are top options as well. Other top choices include Liberty Mutual, USAA, and State Farm.

Our Methodology

The This Old House Reviews Team values accuracy, transparency, and trust. With that in mind, we created a thorough, objective rating system to score each home insurance company based on the following six factors:

  • Coverage (30)
  • State availability (7.5)
  • Customer service (15)
  • Technology (12.5)
  • Reputation (20)
  • Additional benefits (15)

Our Reviews Team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability. Read more on our methodology here.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.