Protecting your home and loved ones is a top priority for everyone. So, if you are looking for the best home insurance companies in Texas, then you’re at the right place. Our experts at style of home, have researched and compared the top-rated home insurance companies in Texas, so you can easily find the one that fits your needs and budget. Let’s get started and discuss the best homeowners insurance in Texas.
Best House Insurance Companies in Texas
The below homeowners’ insurance companies in Texas are the best to choose from. They offer a winning combination of low rates, high customer satisfaction, strong financial stability, comprehensive coverage, and significant discounts.
- Nationwide: Our recommendation
- Amica: Best for competitive pricing, and comprehensive coverage options in Texas
- Progressive: Affordable option for homeowner insurance in Texas
- USAA: Best for military members in Texas
- State Farm: Best for auto and home insurance in Texas
- Allstate: Best for extra coverage in Texas
Best Homeowners Insurance in Texas
1. Nationwide Insurance Company
Overall Rating: 4.8/5
AM Best Rating: A+
JD Power: 812
Annual Premium: $5,568
Quote Access: Online Estimate
Multi-Policy Discount Available: Yes
Phone No: +1 (877) 669 6877
Nationwide is one of the best house insurance companies in Texas. They offer the cheapest home insurance in Texas with great coverage and few complaints. They also insure high-value homes and offer flexible replacement options if your home is destroyed. Nationwide has fewer complaints than most insurers. It scores 0.75, beating the national average.
Amica offers huge discounts for no past claims, living in a gated community, buying a new home, renovating your home, having multiple policies, installing safety devices, having a good roof, and using smart home technology.
Pros
Nationwide offers very affordable home insurance in Texas. Their private client policy includes extra benefits like wildfire support and no extra cost. They also don’t have a list of banned dog breeds.
Cons
Nationwide has a few more complaints than some other top Texas home insurers, but fewer than most companies nationwide.
2. Amica Insurance Company
Overall Rating: 4.8/5
AM Best Rating: A+
JD Power: 906
Annual Premium: $5,697
Quote Access: Online Estimate
Multi-Policy Discount Available: Yes
Phone No: +1 (800) 242 6422
Amica offers standard home insurance coverage, plus add-ons to protect your home and belongings. Their platinum choice plan bundles coverage for home, and business, and extra features like credit card fraud and water backup insurance. Plus, Amica pays dividends to some policyholders, up to 20% of their premium each year.
Pros
Dividend insurance offers a refund of some of the money you pay in premiums, like a reward for being a good customer. While platinum choice home insurance gives you extra protection and benefits compared to the basic plan.
Cons
You can’t work with a local agent. The standard policy only covers personal property for specific risks listed in the policy.
3. Progressive Insurance Company
Overall Rating: 4.5/5
AM Best Rating: A
JD Power: 853
Annual Premium: $3,106
Quote Access: Online Estimate
Multi-Policy Discount Available: Yes
Phone No: +1 (888) 240 9839
Progressive offers affordable home insurance rates in Texas with few customer complaints. Progressive doesn’t sell its own policies. Instead, they partner with other companies to offer coverage, and the specific company you’ll work with depends on your location in Texas.
They give discounts on early quotes, no past claims, home upgrades, certified builder, combined policies, paperless emails, full payment, smart home tech, safety features, advance quotes, and gated community,
Pros
Progressive is the most affordable home insurance company in Texas. They provide easy online tools.
Cons
Some dog breeds might not be covered or have limited coverage. They also give no extra coverage for replacement costs.
4. USAA Insurance Company
Overall Rating: 4.5/5
AM Best Rating: A++
JD Power: 874
Annual Premium: $1,410
Quote Access: Online Estimate
Multi-Policy Discount Available: Yes
Phone No: +1 (855) 956 0721
USAA offers the best homeowners insurance in Texas, providing top-rated coverage and unbeatable rates for military members, veterans, and their families. They give discounts on early quotes, loyalty rewards, automatic water sprayers, home age, combined policies, multiple policies, security discounts, no past claims, smart homes, strong roofs, and accurate insurance value.
Pros
Military families get special help. Insurance covers replacement costs. All dogs are allowed in their policy. They have few complaints. Online help is available. Personal belongings are automatically covered in their coverage.
Cons
They have higher rates compared to other companies. Only available for military members.
5. State Farm Insurance Company
Overall Rating: 4.8/5
AM Best Rating: A++
JD Power: 877
Annual Premium: $2,528
Quote Access: Online Estimate
Multi-Policy Discount Available: Yes
Phone No: +1 (800) 782 8332
State Farm offers big discounts of up to 23% for combining home and auto insurance. They’re a strong company with few complaints. Their home insurance is the priciest in Texas, but they offer discounts to help make it more affordable.
They offer discounts on building a new home, modern utilities, water sprayers, loyalty rewards, combined policies, security discounts, wind protection, and roof coverage.
Pros
They offer the largest discount for combining home and auto insurance. They cover replacement costs fully.
Cons
They are most expensive compared to other best house insurance companies in Texas.
6. Allstate Insurance Comapny
Overall Rating: 4/5
AM Best Rating: N/A
JD Power: N/A
Annual Premium: $1,410
Quote Access: Online Estimate
Multi-Policy Discount Available: Yes
Phone No: +1(877) 333 9992
Security First is a Florida-only insurance company. They specialize in protecting homes from hurricanes and flooding. Security First focuses solely on providing personalized local service and tailored coverage. It offers hurricane deductibles (2%, 5%, or 10%) and separate flood insurance.
Pros
Security First offers discounts that others may not, like a discount for living in a gated community. They also offer special coverage for lost or misplaced personal items, which is a unique benefit.
Cons
Customer support is not available 24/7, but you can file claims at any time. Their premiums may be higher than average in South Florida compared to other competitors.
Summary
When it comes to protecting your Texas home, you want the best coverage possible. Our research shows that Nationwide, Amica, Progressive, USAA, State Farm, and Allstate offer top-notch home insurance in Texas. They offer competitive rates, comprehensive coverage, and excellent customer service. We hope this research will help you to choose among the best house insurance companies in Texas.
Frequently Asked Questions (FAQs)
What are The Top 3 Home Insurance Companies in Texas?
Nationwide, Amica and Progressive are the top 3 home insurance companies in Texas due to their lower rates, customer satisfaction, high discounts, and huge coverage options.
Which Insurance Company is Best For Home Insurance?
Nationwide, Amica, Progressive, State Farm, USAA, and Allstate are all the best and top rated insurance companies for home insurance.
What is The Average Homeowners Insurance Cost in Texas?
Home insurance in Texas costs around $2,959/year, higher than the national average.
What is The Cheapest Home Insurance in Texas?
State Farm and Allstate are the cheapest home insurance in Texas.
Why is Home Insurance So Expensive in Texas?
It’s because insurance prices rise when more people make claims. Companies pay out more, so they increase prices. Also, bad weather events in 2023 made it a record year for claims.
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