Homeowners insurance in Texas will pay to repair or replace structural and personal property damage caused by an event covered in your policy, along with any liability claims made against you.
To help you find affordable options that will provide the right amount of coverage for your home, the This Old House Reviews Team created this guide oon the top-rated homeowners insurance companies in Texas.
Keep reading to learn which companies offer the best homeowners insurance in the Lone Star State based on cost, coverage, and customer service.
5 Best Homeowners Insurance Companies In Texas
Here are the top providers of homeowners insurance in Texas:
- Lemonade: Easiest Sign-Up
- State Farm: Best Endorsements
- Allstate: Best Coverage Options
- Travelers: Most Experience
- Amica: Best Customer Service
Lemonade: Easiest Sign-Up
- J.D. Power Rating: NR
- AM Best Rating: NR
Lemonade is the cheapest provider listed in this review. Our team received a quote for a single-family, 2,200-square-foot home in Eureka, California, that came out to $61, which is lower than the national average of about $101 per month.
We also like Lemonade for its seamless sign-up experience. The company uses artificial intelligence (AI) to streamline the application and claims processes. You can sign up for a policy or file a claim in a matter of minutes.
Lemonade
Easiest Sign-Up
Get Your Free Quote: Lemonade Home Insurance Quote
Learn More: Lemonade Home Insurance Review
*AM Best ratings accurate as of August 2023
State Farm: Best Endorsements
State Farm is a household name and a top provider of home and auto insurance. We like State Farm for its endorsements. The provider offers 11 home insurance add-ons to enhance your policy’s coverage.
You can select various add-ons, including common ones such as umbrella coverage, water backup and sump pump overflow, and full replacement cost coverage. State Farm also offers more unique endorsements, including an energy-efficient upgrade that will replace your covered items with energy-efficient ones.
State Farm
Best Endorsements
Call 1-360-262-2561 for a State Farm Home Insurance quote today.
Learn More: State Farm Homeowners Insurance Review
Allstate: Best Coverage Options
Allstate stands out for its extensive coverage options. It offers comprehensive standard coverage plus a range of endorsements. For example, you can add a unique HostAdvantage rider to your plan, which provides additional protection for your home and belongings when you rent out your home.
Allstate offers nine discounts to homeowners to help bring down the cost of their premiums. Like other companies, Allstate has standard discounts for bundling policies, being claims-free, and using auto pay.
You can also save through Allstate if you’re 55 and retired, a homebuyer, or if you sign your policy early.
Allstate
Best Coverage Options
Travelers: Most Experience
Travelers has been in the insurance industry since 1864, which is longer than all the other providers in this review. This wealth of experience earned Travelers a spot on our list of the top home insurance companies in Texas.
Travelers also offers a range of other products, including condo insurance, pet insurance, and car insurance.
Travelers’ coverage and add-ons are also worth noting. The company offers a convenient deductible endorsement, called the Decreasing Deductible. This add-on reduces your deductible by $100 at each annual renewal period, whether you filed a claim in the previous year or not.
Travelers
Most Experience
Get Your Free Travelers Home Insurance Quote: Travelers Quote
Learn More: Travelers Homeowners Insurance Review
Amica: Best Customer Service
Amica makes our list primarily for its exceptional customer service. The company has a significantly higher JD Power rating for customer satisfaction than any other provider in this review, placing first in the 2021 survey.
Amica® also offers more liability coverage options than Allstate and Lemonade. While Allstate’s and Lemonade’s coverage stays between $100,000–$500,000, Amica has a much larger range with $25,000 to $1 million of coverage available.
Amica
Best Customer Service
*Clicking the “Get other quotes” button will allow you to compare quotes from a variety of providers NOT including Amica
Learn More: Amica Home Insurance Review
Comparing Homeowners Insurance Companies in Texas
Quickly compare the different features of the top-rated insurance companies:
Provider |
Sample Annual Premium |
Complaint Level |
Learn More |
|---|---|---|---|
$1,073 |
Below Average |
||
$1,057 |
Below Average |
||
$1,902 |
Above Average |
||
$917 |
Below Average |
||
$2,624 |
Below Average |
What Is the Average Cost of Home Insurance in Texas?
According to the Insurance Information Institute’s 2019 data release, the average cost of homeowners insurance in Texas is $1,982. This is higher than the national average of $1,249.
Homeowners insurance rates can vary based on your location, the size of your home, your claims history, and other factors. The best way to get an accurate estimate of the cost of homeowners insurance is to apply for a quote using your personal information and your home’s details.
What Risk Do Homeowners in Texas Face the Most?
Texas homeowners are more susceptible to some risks than others. Here are some of the most common causes of damage to homes in Texas:
- Hurricanes: Hurricanes are a common occurrence along the coast of Texas, and they can lead to significant damage to homes.
- Wind: Between thunderstorms, hurricanes, and tornadoes, Texas is also prone to strong winds and the damage they cause.
- Wildfire: With its vast versatile terrain, Texas is also home to more wildfires than most states in the country.
- Theft and vandalism: Similar to other states, Texas residents are also at risk of theft and vandalism, especially those who live in large cities.
Which is the Best Homeowners Insurance Provider in Texas for You?
Overall, Lemonade is our top recommendation for homeowners insurance in Texas. The provider offers a simple application and a straightforward claims process, plus some of the most competitive rates in the industry.
However, home insurance isn’t a one-size-fits-all product. To pick the right provider for your family’s needs, take a few moments to compare quotes from multiple providers. That way, you can choose the company that has the coverage you need at the best price possible.
FAQs About Homeowners Insurance in Texas
Our Rating Methodology
The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations.
With that in mind, we created an objective rating system to score each home insurance company. Here’s what that review process looked like:
- We analyze the information on each company’s website. This allows us to determine what products and services are offered by each home insurance provider.
- We get a sample quote from the companies by either talking to a sales representative or by using the online quote tool. This tells us what a policy looks like and costs.
- We test customer service by talking to a company representative, finding out their hours of operation, and determining what technological features are available for customers.
- We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home insurance companies against each other.
With this data, we created a rating methodology to score each home insurance company. Our rating system is a weighted, 100-point scale based on the following factors:
- Coverage (30): We rated home insurance companies higher if they offered the six main types of homeowner protection—dwelling, other structures, personal property, loss of use, liability, and medical payments to others coverage.
- State availability (7.5): Companies scored higher if they covered more states than their competitors.
- Customer service (15): This factor is based on our communications with the company representatives, as well as the companies’ claims and quotes processes, availability throughout the week, and customer service information found on their websites.
- Technology (12.5): Technology can increase the efficiency of filing and tracking home insurance claims. Companies scored higher if they had technology options like mobile apps and online chat functions.
- Reputation (20): We gauged trustworthiness based on years of experience and Better Business Bureau ratings.
- Additional benefits (15): Companies that offered optional features, like discounts and endorsements, scored higher than competitors that didn’t.
The This Old House 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.
To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.