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Best homeowners insurance in Texas for 2026
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Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare the best homeowners insurance companies in Texas
Texas homeowners pay an annual average of $3,899 for home insurance, 61 percent more than the national average of $2,424, based on data from Quadrant Information Services. Average rates in Texas tend to be high largely because of the Lone Star State's exposure to severe weather. Gulf Coast hurricanes, hailstorms in Northern Texas, tornadoes and wildfires all increase the risk to insurers — and they may respond with higher premiums. In addition, rising construction and labor costs can drive up repair and rebuilding expenses, also contributing to higher insurance rates.
Risks vary significantly by region, with coastal areas experiencing different weather patterns than inland cities like El Paso, and it can be helpful to ask for quotes from multiple carriers to find the best homeowners insurance in Texas for your situation.
Top 5 home insurance companies in Texas
Bankrate Score
Avg. annual premium
$300K dwelling coverage
Avg. monthly premium
$300K dwelling coverage
Why USAA made our list: San Antonio-based USAA only sells insurance to active-duty military members, veterans and eligible family members. If you qualify, USAA may be a great option. USAA tied for Best Home Insurance Company Overall in the Bankrate Awards for its low average rates and highly-rated customer service.
| Bankrate Score | 4.8 |
| J.D. Power | 737/1,000 |
| AM Best Rating | A++ |
USAA standout features
- Replacement cost coverage included
- Fewer customer complaints than average
- Private and government-backed flood coverage
Bankrate Score
Avg. annual premium
$300K dwelling coverage
Avg. monthly premium
$300K dwelling coverage
Why Chubb made our list: Chubb is known for its premium insurance offerings, particularly for homeowners seeking high-value home insurance policies. With a reputation for strong customer service and a wide range of coverage options, Chubb could be a good choice for homeowners looking for a more personalized, robust insurance package.
| Bankrate Score | 4.6 |
| J.D. Power | 677/1,000 |
| AM Best Rating | A++ |
Chubb standout features
- Includes extended replacement cost coverage
- Sells private flood insurance
- Cash settlement option available
Bankrate Score
Avg. annual premium
$300K dwelling coverage
Avg. monthly premium
$300K dwelling coverage
Why Nationwide made our list: Customers who don’t want a one-size-fits-all policy and would prefer to personalize their coverage may prefer Nationwide. For instance, it may be a good choice for people who need to insure additional structures on their property or who have other uncommon coverage needs
| Bankrate Score | 4.2 |
| J.D. Power | 641/1,000 |
| AM Best Rating | A |
Nationwide standout features
- Better Roof Replacement
- Flood policies available
- Local agent offices across the state
Bankrate Score
Avg. annual premium
$300K dwelling coverage
Avg. monthly premium
$300K dwelling coverage
Why State Farm made our list: State Farm is the largest U.S. home insurer based on market share and boasts a statewide network of local captive Texas agents. In addition to homeowners insurance, State Farm also writes a host of other insurance policies like auto, home, boat and life. State Farm could be a good choice for homeowners looking to handle all of their insurance needs with one national company.
| Bankrate Score | 4.1 |
| J.D. Power | 657/1,000 |
| AM Best Rating | A++ |
State Farm standout features
- Largest home insurance company in the country
- Customizable policies
- Extended dwelling coverage included
Bankrate Score
Avg. annual premium
$300K dwelling coverage
Avg. monthly premium
$300K dwelling coverage
Why Farmers made our list: Farmers offers homeowners three different insurance tiers for a smoother shopping experience: Standard, Enhanced and Premier. These pre-packaged policies can help take some of the guesswork out of building your coverage.
| Bankrate Score | 3.6 |
| J.D. Power | 631/1,000 |
| AM Best Rating | A |
Farmers standout features
- Customizable pre-packaged policies
- Claim forgiveness available
- Cosmetic damage coverage available
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Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Common Texas home insurance problems
Acquiring home insurance in Texas isn't always straightforward. Given the state's predisposition to various natural calamities and its vast territorial expanse, insurers may often approach policies with caution. This unique blend of factors can sometimes make it challenging for homeowners to find comprehensive coverage at affordable rates.
Some common issues Texas homeowners might encounter include:
- Higher premiums: Homeowners may see increased rates due to frequent natural disasters like hurricanes, tornadoes and hail storms.
- Flood insurance gaps: Standard policies don't cover flooding, which is common throughout Texas. To be financially protected from flood damage, you’ll need a separate policy.
- Wind coverage: If you live along the Gulf Coast, your home insurance policy may not cover wind damage. In that case, you’ll need to purchase wind insurance separately.
- Limited coverage in certain areas: Insurers might offer limited coverage or charge higher premiums in areas particularly prone to events like wildfires or coastal storms.
- Claim delays: After widespread events, the sheer volume of claims might lead to delays in processing and payouts.
- Policy non-renewals: In high-risk areas, some insurers may decide to nonrenew policies, forcing homeowners to seek coverage elsewhere
Cheapest home insurance companies in Texas
The cost of home insurance in Texas varies widely depending on factors such as your ZIP code, home characteristics and risk profile. While some carriers advertise low average rates, the cheapest company for one homeowner might not be the cheapest for another.
Finding the cheapest home insurance is easiest if you shop around, asking for quotes from several carriers. Every insurance company has its own proprietary method for determining rates. Factors such as wind and hail exposure, roof age, credit history and prior claims may impact pricing differently from company to company. One insurer might heavily weigh storm risk in a coastal ZIP code, for example, while another may offer competitive pricing if a home has a newer roof or upgraded materials.
How much is home insurance in Texas?
Texas home insurance tends to be expensive; the average cost of a $300K policy costs 61 percent more than the national average of $2,424 per year. The table below compares average rates from some of Texas’s top home insurance companies for a variety of different dwelling limits.
|
|
|
|
|
|
|---|---|---|---|---|
|
$1,711
|
$2,939
|
$3,318
|
$4,065
|
|
|
$4,373
|
$8,261
|
$9,016
|
$10,229
|
|
|
$2,065
|
$3,454
|
$3,974
|
$4,989
|
|
|
$3,081
|
$4,587
|
$5,007
|
$5,866
|
|
|
$1,419
|
$2,535
|
$2,932
|
$3,698
|
Texas homeowners insurance rates by city
Within Texas, insurance rates can fluctuate from one city to another. Factors like local crime rates, vulnerability to natural disasters and the overall housing market could play a role in these variations. While some cities could have more affordable premiums, others, due to their unique challenges, may see higher rates.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
| City | Avg. annual full coverage premium | Avg. monthly full coverage premium | Avg. savings vs. state average |
|---|---|---|---|
| Detroit | $3,486 | $290 | -11% |
| Henderson | $3,074 | $256 | -24% |
| Mount Enterprise | $3,007 | $251 | -26% |
| Ore City | $3,393 | $283 | -14% |
| Tatum | $3,110 | $259 | -23% |
*Rates are for $300,000 in dwelling coverage.
Frequently asked questions
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Read our full methodologyAt Bankrate, we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our
78
years of industry experience
10
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
Methodology
Bankrate utilizes Quadrant Information Services to analyze November 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage limits:
Dwelling coverage
$300,000Other structures coverage
$30,000Personal property coverage
$150,000Loss of use coverage
$60,000Liability coverage
$500,000Medical payment coverage
$1,000The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following homeowner characteristics:
Bankrate Scores
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
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