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. To get home insurance quotes in your area, call 855-948-5219 or enter your zip code in our free quote tool:

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5 Best Homeowners Insurance Companies In Texas

Here are the top providers of homeowners insurance in Texas:

 


 

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
4.2
Pros and Cons of Lemonade Homeowners Insurance
Pros Has a giveback program that donates unused policy money to charities Offers customizable endorsements for valuable items, such as jewelry and artwork Provides online customer service with a portal, mobile app, and chat function Cons Doesn’t provide other structures coverage Relatively new to the industry
Additional Coverage Options
  • Jewelry
  • Fine art
  • Bikes
  • Cameras
  • Musical instruments
  • Earthquake coverage
  • Significant other
  • Water backup
  • Swimming pool liability
Available Discounts
  • Material discount
  • Fire protection discount
  • Protection equipment discount
  • Gated community discount
  • Bundling discount

Get Your Free Quote: Lemonade Home Insurance Quote

Learn More: Lemonade Home Insurance Review

*A.M. Best ratings accurate as of October 2022

 


 

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
4.8
Pros and Cons of State Farm Homeowners Insurance
Pros Is the largest home insurance provider in the nation Provides a variety of helpful online resources Has local agents in nearly 400 cities across Texas Cons Offers fewer discounts than competitors Doesn’t include full replacement cost value unless you add it to coverage, so claim payouts could be impacted by depreciation
Additional Coverage Options
  • Full replacement cost
  • Umbrella coverage
  • Energy efficient upgrade
  • Home systems protection
  • Water backup/sump pump
  • Service line
  • Off-premise structures
  • Depreciated loss
  • Personal liability
  • Cyber event, identity restoration, and fraud prevention
  • HOA loss assessment
Available Discounts
  • Multi-policy discount
  • Home security discount
  • Impact-resistant roofing material discount

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
4.9
Pros & Cons of Allstate Homeowners Insurance
Pros More endorsements than Amica and Lemonade Provides 24/7 customer service Offers a unique endorsement to protect your home’s yard and garden Cons Customers must talk to an agent to get a quote in some states More expensive than Amica and Lemonade
Additional Coverage Options
  • Roof surfaces extended coverage
  • Water backup
  • Green improvement reimbursement
  • Extended coverage on jewelry, watches, and furs
  • Identity theft restoration
  • Claim rate guard
  • Yard and garden
  • Scheduled personal property
  • Electronic data recovery
  • Business property
  • Musical instruments
Available Discounts
  • Multi-policy
  • Responsible payment
  • Claim-free
  • Welcome and loyalty
  • Home buyer
  • Easy pay plan
  • Protective device
  • Early signing

Get Your Free Quote: Allstate Home Insurance Quote

Learn More: Allstate Home Insurance Review

 


 

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
4.7
Pros and Cons of Travelers Homeowners Insurance
Pros Has been in business the longest of every provider in this review Shares data on your home’s property repair and update history Has 24/7 customer service Cons Holds a mediocre JD Power score for customer service May require you to call an agent to buy a policy
Additional Coverage Options
  • Added replacement cost
  • Green home
  • Personal articles
  • Jewelry and valuables
  • Special personal property
  • Sump pump discharge or overflow
  • Water backup
  • Identity fraud protection
Available Discounts
  • New home-buyers
  • Claim-free history
  • Multi-policy
  • Protective devices
  • Green home certification via the LEED organization

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
4
Pros and Cons of Amica Homeowners Insurance
Pros Offers a 24/7 claims center, online chat, and mobile app for customer service Has a catastrophic coverage endorsement for Texas’ wide range of natural disasters Provides up to 30% in savings for bundling home and auto insurance Cons Fewer personal property options than Allstate and Lemonade Fewer endorsements than Allstate and Lemonade
Additional Coverage Options
  • Water backup and sump overflow
  • Identity fraud expense
  • Dwelling replacement
  • Personal property replacement
  • Home business
  • Catastrophic coverages
  • Valuable items
Available Discounts
  • Multi-policy
  • Claim-free
  • E-discount
  • Autopay
  • Loyalty
  • Alarm system
  • Automatic detection devices
  • New and remodeled homes

*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

Lemonade

$1,073

Below Average

Our Review

State Farm

$1,057

Below Average

Our Review

Allstate

$1,902

Above Average

Our Review

Travelers

$917

Below Average

Our Review

Amica

$2,624

Below Average

Our Review

 


 

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.

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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.

A.M. Best Disclaimer