Nationwide and Progressive offer the best homeowners insurance in Texas in 2024. Both have a low rate of customer complaints and offer cheap homeowners insurance in Texas compared to other insurers we analyzed.
Best homeowners insurance in Texas
- Nationwide: Best homeowners insurance in Texas.
- Progressive: Best cheap homeowners insurance in Texas.
- Chubb: Best for customer satisfaction in Texas.
- USAA: Best for military in Texas.
- State Farm: Best for bundling home and auto insurance in Texas.
Why trust our home insurance experts
Our team of home insurance experts has decades of experience as licensed property and casualty experts, insurance editors and consumers. We approach home insurance analysis as if we were shopping for ourselves or our family members, focusing on rates, coverage upgrades and consumer complaints.
Using a data-driven methodology, we evaluate hundreds of home insurance products, analyze thousands of data points and rate each insurer to help you find the best home insurance product for your situation. Advertisers never influence our editorial content. You can read more about our methodology below.
- 68 Texas home insurance rates reviewed.
- 17 Texas home insurance companies evaluated.
- 5 levels of fact-checking.
Top-rated homeowners insurance companies in Texas
Best homeowners insurance in Texas
Nationwide
Blueprint Rating
Compare rates offered by participating partners
Average cost for $350,000 of coverage in Texas
$127 per month
Customer complaint level
Low
AM Best rating
A+ (Superior)
Why it’s the best
Nationwide is the best home insurance company in Texas, with the cheapest rates for a home insurance policy with $350,000 in dwelling coverage and a low level of consumer complaints.
Nationwide also provides home insurance for high-value houses, typically ones with a rebuild value of over $750,000. If your house is destroyed and you have a Nationwide Private Client home insurance policy, you can choose between replacement cost coverage or a cash-out option.
Read our review: Nationwide home insurance
Pros and cons
Pros
- Offers some of the cheapest home insurance in Texas out of the companies we analyzed.
- Nationwide Private Client offers enhanced home insurance coverage in Texas, like wildfire support services at no additional cost.
- No banned dog list.
Cons
- Slightly higher customer complaints than other top-scoring home insurance companies in Texas, but still lower than the nationwide average.
Upgrades and additional coverage
- Better roof replacement.
- Brand new belongings.
- Equipment breakdown coverage.
- Extended replacement cost.
- Separate flood insurance.
- Separate earthquake insurance.
- Service line.
- Umbrella insurance.
- Valuables plus.
- Water backup coverage.
Nationwide Private Client coverage:
- Agreed replacement cost coverage.
- Cash-out claim option.
- Accidental breakage coverage.
- Equipment breakdown coverage.
- Extra wildfire protection and monitoring in Texas.
- Identity theft assistance.
- Personal collections insurance.
Discounts
- Claims-free.
- Gated community.
- Home purchase, or new home.
- Home renovation credit.
- Multi-policy.
- Protective device.
- Roof rating.
- Smart home.
Texas home insurance cost
| DWELLING COVERAGE LIMIT | AVERAGE ANNUAL COST | AVERAGE MONTHLY COST |
|---|---|---|
| $200,000 | $1,029 | $86 |
| $350,000 | $1,524 | $127 |
| $500,000 | $2,131 | $178 |
| $750,000 | $3,052 | $254 |
Nationwide customer satisfaction
Nationwide home insurance has a low level of customer complaints. Its complaint ratio is 0.75, which is below the national average of 1.0.
To determine a home insurance company’s complaint rate, we review the most recent data from the National Association of Insurance Commissioners (NAIC). NAIC complaint data reflects the number and types of complaints customers submit to their state’s department of insurance or equivalent entity.
Best cheap homeowners insurance in Texas
Progressive
Blueprint Rating
Compare rates offered by participating partners
Average cost for $350,000 of coverage in Texas
$133 per month
Customer complaint level
Low
AM Best rating
A+ (Superior)
Why it’s the best
Progressive has affordable homeowners insurance rates in Texas and a low level of consumer complaints. Its Texas home insurance is competitive with Nationwide’s.
Progressive doesn’t sell its own home insurance policies. Instead, policies are sold through Progressive partners and subsidiaries. Where you live in Texas will determine which company you buy your policy through.
Read our review: Progressive home insurance
Pros and cons
Pros
- Affordable home insurance in Texas.
- Easy online tools available.
Cons
- No extended or guaranteed replacement cost coverage available.
- May limit or ban coverage for certain dog breeds.
Upgrades and additional coverage
- Personal injury coverage.
- Separate umbrella insurance.
- Water backup coverage.
Discounts
- Accredited builder.
- Advanced quote.
- Bundling.
- Claims free.
- Documents by email (paperless billing).
- Home update.
- Pay in full.
- Quote in advance.
- Safety and alarms.
- Secured community.
- Smart home.
Texas home insurance cost
| DWELLING COVERAGE LIMIT | AVERAGE ANNUAL COST | AVERAGE MONTHLY COST |
|---|---|---|
| $200,000 | $891 | $74 |
| $350,000 | $1,601 | $133 |
| $500,000 | $2,141 | $178 |
| $750,000 | $3,041 | $253 |
Progressive customer satisfaction
Progressive home insurance has a low level of customer complaints. Its complaint ratio is 0.75, which is below the national average of 1.0.
To determine a home insurance company’s complaint rate, we review the most recent data from the National Association of Insurance Commissioners (NAIC). NAIC complaint data reflects the number and types of complaints customers submit to their state’s department of insurance or equivalent entity.
Best for customer satisfaction in Texas
Chubb
Blueprint Rating
Compare rates offered by participating partners
Average cost for $350,000 of coverage in Texas
$178 per month
Customer complaint level
Very low
AM Best rating
A++ (Superior)
Why it’s the best
Chubb’s home insurance has the lowest rate of consumer complaints to state insurance departments among the top-scoring companies in our analysis.
Chubb’s base home insurance policy includes all the standard coverages, but it also offers enhanced financial protection with its Masterpiece policies. Chubb offers crucial protections for homeowners in Texas, like Wildfire Defense Services.
Read our full review: Chubb homeowners insurance
Pros and cons
Pros
- Very low rate of consumer complaints.
- Complimentary services like Wildfire Defense Services and HomeScan.
- Insures high-value houses.
- Extended replacement cost coverage available.
- Cash settlement options if you choose not to rebuild your house after a covered loss.
- Masterpiece Homeowners policies offer enhanced coverage options.
Cons
- Higher home insurance rates in Texas than some competitors in our analysis.
- No online quote tool.
Upgrades and additional coverage
Chubb customers can take advantage of numerous complimentary services, such as:
- Wildfire Defense Services.
- HomeScan.
- Preferred providers network.
Chubb offers the Masterpiece homeowners coverage plan for homeowners seeking a more robust policy. Benefits of this coverage include:
- Cash settlement.
- Electronic data restoration after a virus.
- Extended replacement cost.
- Home appraisal.
- Increased liability limits.
- Post-storm tree removal.
- Replacement cost coverage for personal property.
- Replacement locks if keys get stolen or lost.
- Temporary living arrangements.
- Water backup coverage.
Discounts
- Fire protection.
- Gated community.
- Loss free.
- Multi-policy.
- New/renovated house.
- Safety features.
- Storm shutters.
- Suburban rating.
- Valuable articles coverage.
Texas home insurance cost
| DWELLING COVERAGE LIMIT | AVERAGE ANNUAL COST | AVERAGE MONTHLY COST |
|---|---|---|
| $200,000 | $1,377 | $115 |
| $350,000 | $2,141 | $178 |
| $500,000 | $2,751 | $229 |
| $750,000 | $3,502 | $292 |
Chubb customer satisfaction
Chubb home insurance has a very low level of customer complaints. Its complaint ratio is 0.07, which is well below the national average of 1.0 and the lowest complaint rate of our top-scoring Texas homeowners insurance companies.
To determine a home insurance company’s complaint rate, we review the most recent data from the National Association of Insurance Commissioners (NAIC). NAIC complaint data reflects the number and types of complaints customers submit to their state’s department of insurance or equivalent entity.
Best homeowners insurance for military in Texas
USAA
Blueprint Rating
Compare rates offered by participating partners
Average cost for $350,000 of coverage in Texas
$168 per month
Customer complaint level
Very low
AM Best rating
A++ (Superior)
Why it’s the best
USAA is the best home insurance in Texas for the military community because it offers unique perks for those who qualify, including coverage for military equipment and deductible waivers if your belongings are lost or damaged due to war.
Read our review: USAA home insurance
Pros and cons
Pros
- Unique coverage perks for the military community.
- Offers extended replacement cost coverage.
- No banned dog list.
- Very low customer complaints.
- Online tools available.
- Automatic replacement cost coverage for personal property.
Cons
- Only available to the military community — including active-duty, retired and honorably discharged veterans — and eligible family members.
- Higher rates than some of the other best home insurance companies in our analysis.
Upgrades and additional coverage
- Cell phone coverage.
- Computer coverage.
- Extended replacement cost coverage.
- Home protector (ordinance or law coverage).
- Separate flood insurance through NFIP.
- Separate earthquake insurance through USAA.
- Umbrella insurance.
- Valuable personal property insurance.
Discounts
- Automatic sprinklers.
- Bundling.
- Claims free.
- Connected home.
- Early quote.
- Home age.
- Home security system or protective device discount.
- Impact resistant roof.
- Insurance-to-value.
- Loyalty.
- Multi-policy.
- Roof age.
Texas home insurance cost
| DWELLING COVERAGE LIMIT | AVERAGE ANNUAL COST | AVERAGE MONTHLY COST |
|---|---|---|
| $200,000 | $1,275 | $106 |
| $350,000 | $2,017 | $168 |
| $500,000 | $2,737 | $228 |
| $750,000 | $3,933 | $328 |
USAA customer satisfaction
USAA home insurance has a very low level of customer complaints. Its complaint ratio is 0.31, which is well below the national average of 1.0.
To determine a home insurance company’s complaint rate, we review the most recent data from the National Association of Insurance Commissioners (NAIC). NAIC complaint data reflects the number and types of complaints customers submit to their state’s department of insurance or equivalent entity.
Best for bundling home and auto insurance in Texas
State Farm
Blueprint Rating
Compare rates offered by participating partners
Average cost for $350,000 of coverage in Texas
$180 per month
Customer complaint level
Very low
AM Best rating
A++ (Superior)
Why it’s the best
State Farm offers the largest discount for bundling home and auto insurance, with potential savings as high as 23%. State Farm is a financially sound home insurance company with a very low level of customer complaints, implying that customers are content with how home insurance claims are handled. The insurer offers the most expensive home insurance in Texas out of all the companies that made our rating, but does provide discount options to help lower your costs.
Read our review: State Farm home insurance
Pros and cons
Pros
- Biggest home and auto bundle discount, according to our analysis.
- Offers extended replacement cost coverage.
- Very low rate of customer complaints.
Cons
- You might not be able to get a quote online.
- Most expensive home insurance rates in Texas out of the companies in our rating.
Upgrades and additional coverage
- Building ordinance or law coverage.
- Enhanced personal property coverage.
- Extended replacement cost.
- Identity theft coverage.
- Incidental business coverage.
- Inflation coverage.
- Personal articles insurance.
- Umbrella insurance.
- Wedding present coverage.
Discounts
- Automatic sprinkler.
- Bundling.
- Dwelling under construction.
- Home security system discount.
- Loyalty.
- Roofing.
- Updated utilities.
- Wind mitigation.
Texas home insurance cost
| DWELLING COVERAGE LIMIT | AVERAGE ANNUAL COST | AVERAGE MONTHLY COST |
|---|---|---|
| $200,000 | $1,612 | $134 |
| $350,000 | $2,159 | $180 |
| $500,000 | $2,828 | $236 |
| $750,000 | $3,999 | $333 |
State Farm customer satisfaction
State Farm home insurance has a very low level of customer complaints. Its complaint ratio is 0.35, which is well below the national average of 1.0.
To determine a home insurance company’s complaint rate, we review the most recent data from the National Association of Insurance Commissioners (NAIC). NAIC complaint data reflects the number and types of complaints customers submit to their state’s department of insurance or equivalent entity.
Compare the best homeowners insurance companies in Texas
| COMPANY | TEXAS RATING | ANNUAL COST OF $350,000 IN DWELLING COVERAGE | COMPLAINTS | LEARN MORE | ||||||
|---|---|---|---|---|---|---|---|---|---|---|
| $1,524 | Low | Compare rates offered by participating partners | |||||||
| ||||||||||
| $1,601 | Low | Compare rates offered by participating partners | |||||||
| ||||||||||
| $2,141 | Very low | Compare rates offered by participating partners | |||||||
| ||||||||||
| $2,017 | Very low | Compare rates offered by participating partners | |||||||
| ||||||||||
| $2,159 | Very low | Compare rates offered by participating partners | |||||||
| ||||||||||
| $2,689 | Very low | Compare rates offered by participating partners | |||||||
|
Cheap homeowners insurance in Texas cost comparison
The cheapest home insurance company in Texas is Mercury, according to our analysis of rates.
Here are the cheapest home insurance companies in Texas based on how much each charges on average for a policy with $350,000 in dwelling coverage.
| COMPANY | AVERAGE ANNUAL RATE | AVERAGE MONTHLY RATE |
|---|---|---|
Mercury | $635 | $53 |
Armed Forces Insurance | $1,506 | $126 |
Nationwide | $1,524 | $127 |
Progressive | $1,601 | $133 |
USAA | $2,017 | $168 |
Southern Vanguard | $2,123 | $177 |
Chubb | $2,141 | $178 |
State Farm | $2,159 | $180 |
Universal Insurance | $2,527 | $211 |
Farmers | $2,689 | $224 |
Texas Farm Bureau | $2,801 | $233 |
Republic Indemnity | $2,845 | $237 |
AmGUARD | $2,999 | $250 |
IAT Insurance Group | $3,229 | $269 |
Texas Fair Plan Association | $6,400 | $533 |
What factors affect home insurance rates in Texas?
Home insurance companies take several factors into account when calculating your rates.
Some of those including your:
- Claims history.
- House’s age.
- House’s building materials.
- House’s rebuild value.
- Roof’s age.
- ZIP code.
Home insurance in Texas compared to other states
The average cost of homeowners insurance in Texas for a policy with $350,000 in dwelling coverage is $2,226 per year. Here’s how that compares with home insurance costs across the U.S..
Tips for buying home insurance in Texas
When you're ready to buy home insurance in Texas, you have options, including the cheapest insurance companies listed above. As you look for the right company to work with, here are a few tips to make the process easier.
- Estimate your coverage needs. It’s recommended that you have enough dwelling coverage to fully rebuild your house from the ground up, back to its prior state, after a covered disaster. Also consider purchasing enough liability coverage to fully protect your assets in the event of an expensive lawsuit.
- Assess any special risks. Living on the Gulf Coast can increase the risk of your house being damaged by floods or high winds. In that case, you may need to buy additional coverage separate from your standard home insurance to protect the property and your belongings.
- Explore discounts. With home insurance in Texas being higher compared to other states, it's essential to take advantage of discounts when they're available. The more discounts you can claim, the more you might save on a home insurance policy.
- Shop around for quotes. Getting multiple home insurance quotes can give you a framework for estimating your costs. At a minimum, it's a good idea to get quotes from at least three trusted insurers.
How to save money on your homeowners insurance in Texas
Compared to other states, Texas home insurance tends to cost more on average, thanks in part to the increased vulnerability to natural disasters such as tornadoes and hurricanes. One of the best ways to save money on home insurance in the Lone Star State is to look for discounts on coverage.
Texas homeowners insurance discounts
Texas home insurance companies offer discounts that can help to reduce your overall cost of coverage. Whether you qualify for one discount or several, every penny you can shave off your policy is money saved.
Here are some of the most common home insurance discounts you might qualify for in Texas:
- Multi-policy. Multi-policy or bundling discounts reward you with savings when you purchase both from the same company, like if you bundle your home and auto insurance.
- Protective device. Installing safety and security features in your home could add up to savings on home insurance. Insurers can offer discounts for things like alarm systems, cameras, fire alarms and sprinkler systems.
- New purchase. If you bought a house within the last 12 months, you might be able to qualify for a discount. Discounts may also be available if you purchased a new construction home that's had no previous owners.
- Home renovation. Making home improvements could result in a discount, depending on what you're improving. For example, installing a new roof or overhauling your house’s electrical system can reduce your risk profile and lower your home insurance costs.
- Smart home. Smart home technology could help you to save on home insurance if your devices make the property safer. A smart alarm system or lighting system that is designed to deter crime might qualify for a discount.
- New member. Many home insurance companies in Texas offer discounts to new customers as an incentive to gain their business. You may also get a separate discount for switching your policy from one company to another.
- Claims-free. Having an insurance record that's free of claims for the last three to five years may work in your favor, as insurers can reward you for that with a rate discount.
- Gated community. Living in a gated community can discount your policy with some insurers. Your home insurance company may specify that the discount only applies if there's on-site security present at all times guarding the gate.
- Green discounts. If you enroll in paperless billing or autopay services you may score a discount, depending on the home insurance company.
- Affiliation discounts. Many insurance companies offer discounts if you’ve served in the military, are a first responder or are part of certain membership organizations.
Aside from those discounts, you might also be able to score on cheaper home and wind insurance in Texas if you take steps to fortify your house against wind damage. Regularly comparing home insurance quotes from multiple home insurance companies in Texas can also ensure you’re not missing out on a better deal elsewhere.
Expert tip: If you raise your deductible, it’ll lower your home insurance premium, but it means you’ll receive a smaller payout in the event of a claim.
Common natural disasters in Texas
Texas homeowners face threats from a number of natural disasters. Some of the disasters that most commonly affect Texas include:
- Floods.
- Freezes.
- Hurricanes.
- Severe thunderstorms.
- Tornadoes.
- Wildfires.
- Wind and hail.
- Winter storms.
Texas sees some of the most severe weather in the country. In 2023 alone, there was an estimated $6.1 billion in insured losses due to wind and hail damage, according to CoreLogic, a property data and insights company.
Expert tip: Texas home insurance policies don't always cover windstorm or hurricane damage if you live on the Gulf Coast. The TWIA sells wind and hail coverage to coastal residents, which you can buy through a local agent or broker.
Depending on where you live, you might also need a separate flood insurance policy before you can get wind coverage. A home inspection by an engineer or windstorm inspector may also be required.
Home insurance coverage considerations in Texas
Buying home insurance in Texas starts with understanding your risks. Those risks can largely center around where you live in the state.
Flood insurance
Flood damage to your property is always excluded from standard home insurance coverage. Nearly every major city in Texas is at risk for hurricanes, flash flooding and regular flooding, according to the Federal Emergency Management Agency (FEMA).
To be covered for repairs after flood damage, you’ll need a flood insurance policy. You can buy flood insurance through an insurer that partakes in the National Flood Insurance Program (NFIP), a FEMA-backed organization, or a private flood insurance company.
Wind and hail coverage
In Texas, due to the increased threat of wind and hailstorms, these issues may be excluded from homeowners insurance coverage. If you live on the Gulf Coast, for instance, then it may be in your best interests to purchase wind insurance to supplement the gap in your standard home insurance policy. You can get wind and hail coverage through the TWIA. Just keep in mind this doesn’t include coverage for flooding or storm surge damage — you’ll need home insurance, windstorm insurance and flood insurance to be properly covered in the event of a hurricane.
Wind and hail damage may be included in your policy if you don't live on the coast. However, if you have to file a claim for wind damage you may have to pay a separate windstorm or named storm deductible (the amount subtracted by your insurer before you get your claim payout).
Extended or guaranteed replacement cost coverage
When you buy a home insurance policy, you may be given a choice between upgrading your dwelling coverage to extended replacement cost coverage or guaranteed replacement cost coverage.
- Extended replacement cost: This is an endorsem*nt you can add to your home insurance policy to expand your coverage. If you have to file a claim, then extended replacement cost could pay you anywhere from 10% to 50% above your dwelling coverage limit. You may need this in the event that a natural disaster increases the rate of construction and labor.
- Guaranteed replacement cost: This endorsem*nt takes it a step further than extended replacement cost — repairing your house no matter how far it exceeds your original dwelling coverage limit.
Methodology
Our insurance experts evaluated 17 home insurers in Texas to determine the best homeowners insurance companies in Texas based on the availability of new policies and reinsurance, average home insurance rates for Texans and consumer complaints against each company using the National Association of Insurance Commissioners Complaint Index. Each category was assigned a different weight, adding to a score of 100.
- Rates: 75 points. Our home insurance experts analyzed home insurance rates from Quadrant Information Services. The average rates are based on policies with dwelling coverage of $200,000, $350,000, $500,000 and $750,000. The homeowner profile was a 40-year-old female with a good credit score and no claims history.
- Personal property coverage: 50% of dwelling coverage limit.
- Other structures coverage: 10% of dwelling coverage limit.
- Loss of use coverage: 10% of dwelling coverage limit.
- $500 deductible.
- Liability insurance: $100,000.
- Medical payments coverage: $1,000.
- Consumer complaints: 25 points. We collected complaint data from the National Association of Insurance Commissioners (NAIC), which shows the volume of home insurance consumer complaints against each company to state insurance departments.
Best homeowners insurance in Texas FAQs
If your home insurance company cancels your policy or doesn’t renew it, you can ask for an explanation why. When it comes to nonrenewal, insurers typically have a legally mandated time frame in which they need to let you know.
You may have an opportunity to appeal the insurer’s decision. If not, you’ll need to shop around to find a new home insurance policy. Some of the most common reasons why a policy may be canceled include failing to pass a home inspection, failing to pay premiums or filing too many claims.
The state of Texas doesn’t require homeowners to purchase insurance for their property. However, your mortgage company may require you to have a policy in place for at least the duration of your home loan. If you own your home outright, you could go without coverage but you’d have to carry any financial losses out of pocket.
The average cost of homeowners insurance in Texas for a policy with $350,000 in coverage is $2,226 per year, according to our analysis of rates.
Here are the average annual home insurance costs by dwelling coverage amounts that we analyzed in Texas.
- $200,000 in dwelling coverage: $1,446.
- $350,000 in dwelling coverage: $2,226.
- $500,000 in dwelling coverage: $2,978.
- $750,00 in dwelling coverage: $4,193.
Nationwide, Progressive and USAA are the cheapest home insurance companies in our rating of the best homeowners insurance in Texas.
Texas homeowners are at risk of experiencing drought, flood, severe storm, cyclones, wildfires, winter storms and freezes. CoreLogic, a property data and insights company, estimates that 10.3 million housing structures in Texas are at severe risk for freezes. The company also estimated that wind and hail damage resulted in $6.1 billion insured losses in 2023 alone.
Home insurance doesn’t cover damage from flooding. If you live in an area of Texas that experiences floods, you’ll want to purchase flood insurance to financially protect your property.
Depending on where you live and your insurer, wind and hail coverage may also be excluded from your homeowners insurance in Texas. You may need to add wind coverage to your policy.
If you can’t find coverage in the open marketplace, you may need to purchase wind insurance through Texas Windstorm Insurance Association.
No, Texas does not require any special homeowners insurance coverage by law, however your mortgage lender may require you to purchase home insurance as well as windstorm or flood insurance, depending on your risk. If your house is damaged by wind or hail, a separate deductible may be applied to your claim payout.
Home insurance rates are rising nationwide, and Texas is no exception. The increase in expensive natural disasters, inflation and rising rebuild costs all contribute to more expensive home insurance rates in Texas.
