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Updated Feb 01, 2025
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737
/1,000
$218
$2,613
688
/1,000
$715
$8,582
641
/1,000
$168
$2,011
643
/1,000
$289
$3,462
609
/1,000
$201
$2,413
*Premiums are for $300K in dwelling coverage
Bankrate logo

Bankrate's trusted insurance industry expertise

Read our full methodology

The home insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers information they need to make educated decisions when shopping for home insurance.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

Best for military-focused coverage

USAA

4.8

Rating: 4.8 stars out of 5

Avg. premium for $300K dwelling

$218/mo

Avg. premium for $300K dwelling

$2,613/yr

Customer satisfaction

737/1,000

Best for high-value homes

Chubb

4.6

Rating: 4.6 stars out of 5

Avg. premium for $300K dwelling

$715/mo

Avg. premium for $300K dwelling

$8,582/yr

Customer satisfaction

688/1,000

Best for customizable coverage

Nationwide

4.2

Rating: 4.2 stars out of 5

Avg. premium for $300K dwelling

$168/mo

Avg. premium for $300K dwelling

$2,011/yr

Customer satisfaction

641/1,000

Best for local agents

State Farm

4.1

Rating: 4.1 stars out of 5

Avg. premium for $300K dwelling

$289/mo

Avg. premium for $300K dwelling

$3,462/yr

Customer satisfaction

643/1,000

Best for streamlined shopping

Farmers

3.6

Rating: 3.6 stars out of 5

Avg. premium for $300K dwelling

$201/mo

Avg. premium for $300K dwelling

$2,413/yr

Customer satisfaction

609/1,000

Homeowners looking for great customer service

Homeowners who value the digital experience

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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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.

$168
$2,011
- $1,714
Armed Forces
$168
$2,019
- $1,706
$201
$2,413
- $1,312
$218
$2,613
- $1,112
$289
$3,462
- $263

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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.

Existing homeowners who switch companies in advance (before their existing policy expires or renews) may qualify for an advanced quote or early shopper discount with some providers.
Homeowners with active and monitored security systems may qualify for extra savings with a home security discount.
Bundling discounts can offer significant savings with many insurance companies. Homeowners shopping for cheaper home insurance may want to consider what savings they may earn if they get their auto insurance coverage with the same carrier.
Homeowners who have not filed a property insurance claim in the past may be eligible for a claim-free discount. Some insurers require you to be claim-free for at least three to five years to qualify.
$1,524
$2,613
$2,952
$3,622
$4,391
$8,582
$8,714
$9,879
$1,267
$2,011
$2,268
$2,698
$2,411
$3,462
$3,741
$4,361
$1,352
$2,413
$2,793
$3,510
  • Anthony: $1,908 per year — 49 percent below state average
  • Clint: $1,910 per year — 49 percent below state average
  • El Paso: $1,910 per year — 49 percent below state average
  • Canutillo: $1,912 per year — 49 percent below state average
  • San Elizario: $1,928 per year — 48 percent below state average
  • Seabrook: $7,122 per year — 91 percent above state average
  • Bacliff: $7,115 per year — 91 percent above state average
  • Port O Connor: $7,003 per year — 88 percent above state average
  • Galveston: $6,981 per year — 87 percent above state average
  • La Porte: $6,738 per year — 81 percent above state average

Related content:

News

Recent updates in the Texas homeowners insurance market

Methodology

User Icon
40 year old
Married male and female homeowners
Logo for Brand name
2017 build year
Primary home
Credit Good Icon
Good credit score
Home Insurance Guide Icon
Clean claim history

Dwelling coverage

$300,000

Other structures coverage

$30,000

Personal property coverage

$150,000

Loss of use coverage

$60,000

Liability coverage

$500,000

Medical payment coverage

$1,000
5
Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%
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Written by
Ashlyn Brooks
Writer II, Insurance
Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
Edited by Editor, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute