In the second-largest state in the U.S. by both size and population, it’s no wonder that insurance costs are “Texas-sized” as well. Annual premiums average $1,661 statewide — roughly $600 above the national average — making Texas the third most expensive state when it comes to home insurance rates.
However, because of its size and population distribution, there are huge disparities among cities, and how much you’ll pay for homeowners’ insurance depends heavily on where your home is located. Keeping this in mind, we’ve outlined the top home insurance companies in Texas below. You can also use our quote tool to get an accurate gauge of home insurance rates in your corner of the Lone Star State:
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Allied Mutual, owned by Nationwide and distributed by independent agents and brokers, is a strong competitor in the Texas home insurance market. The company has an A+ rating from A.M. Best, and receives 4 out of 5 stars for overall customer satisfaction.
Allied Mutual is also one the cheaper options for coverage in the state, with an average annual premium of about $1,200. Allied’s policy provides coverage and repair for your home from the usual range of damage, spanning from natural disaster to theft. Plus, Allied has specially tailored policies for people living in certain areas, such as those in flood zones, to make sure they receive adequate protection.
Allied also offers coverage that pays for things like additional living expenses in the event that your home is uninhabitable, preventative repairs to the home, debris removal, or coverage for a second home or rental. Visit their website to see if you qualify for one of their discount groups, such as those for policyholders living in gated communities or in homes with recent renovations, to drive down your monthly costs even further.
The Hartford allows you to easily customize coverage to your specific budget and needs, with added options such as blanket coverage for valuables or a ‘green rebuilding’ initiative that expands your coverage when you use environmentally friendly materials and methods to repair after a covered loss.
The Hartford also has special packages such as the 100% Protection Plan, which insures your home for up to 125% of its repair cost and replaces items with brand-new versions in the event of loss or damage. And while their discount packages are not as strong as some other homeowners insurance companies in Texas, policyholders can save up to 20% off their premium by bundling policies, upgrading their home security, and renewing their policy with The Hartford.
In addition to extensive coverage, The Hartford also has an incredibly efficient claims management center. Policyholders can use their mobile app to instantly upload photos to document property damage, and have multiple hassle-free options for filing claims 24/7.
Allstate provides Texas homeowners with an exclusive House & Home policy. Standard coverage included in this policy protects against damages made to the property as well as any personal belongings. The policy also includes liability protection and can be easily modified with additional coverage options, depending on what you’re looking to insure.
Allstate offers multiple discount options that you can discuss in person with a local agent at one of hundreds of Allstate offices around Texas. Allstate also has a top-notch online portal, with educational tools and resources that help you understand your policy to make better decisions. Their Premium Gauge tool, for example, allows you to see how your premium would be affected by different variables such as installing protective devices or making renovations.
Allstate home insurance has a wide range of coverage options and offers policies for all types of homes, which really sets it apart from other insurance companies in the area. Plus, it’s backed by an A+ rating from A.M. Best and has been around for nearly 80 years, so you know you can rely on them to be there when you need them.
Based in San Antonio, USAA is a great insurance option for homeowners who are active-duty military, veterans, or their eligible family members. More than 2 million Texas residents fall into these categories, which is why USAA has made it on our list of top home insurance providers.
USAA’s core military values of service, loyalty, honesty, and integrity have garnered a reputation for first-rate customer service and earned them several awards and acknowledgements, including an A++ rating (the highest possible) from A.M. Best, a five-star customer satisfaction rating from J.D. Power & Associates, and a Smart Rating of 99 out of a possible 100 from Credio.
The Advice Center on their website also offer free resources and financial planning tools, many of which are specific to military life, to ensure policyholders receive helpful guidance and information in addition to home insurance coverage.
The 4 Best Texas Homeowners Insurance Companies
- Allied Mutual
- The Hartford