Best home insurance companies in Texas
Many quality home insurance companies serve homeowners in Texas, and which home insurance company is best for you will depend on your unique needs, home, and budget. Here are some of the best insurance companies in Texas, based on Insurify’s analysis of recent home insurance quote data.
Best insurer for cheap rates: Liberty Mutual
Average monthly premium: $170
Liberty Mutual offers a variety of insurance types, which can make it easy to tackle all your insurance needs in one place. It also offers a lot of online tools that make it easy to manage policies digitally. In Insurify’s data analysis, Liberty Mutual offered the lowest average monthly rates of all insurers we evaluated.
Save by qualifying for four different homeowners insurance discounts, such as paperless and multi-policy discounts
Save more by making certain home upgrades, like adding a new roof
Variety of auto, property, and business insurance policies available for bundling discounts
Lower J.D. Power score (805) than many competitors
Water damage optional for an additional cost
Lackluster customer reviews
See Also: Homeowners Insurance Companies with the Cheapest Rates
Best large insurer: Nationwide
Average monthly premium: $208
Nationwide offers the third least-expensive average monthly homeowners insurance rates In Texas. The insurer earned a J.D. Power score of 816. Nationwide also offers a variety of discounts that can help you save more.
High J.D. Power score indicates an overall high rate of customer satisfaction
Offers a variety of other types of home insurance policies, making it easy to keep multiple policies with one insurer
Multi-policy discount available
Water backup damage not included in base coverage
Identity theft not included in base coverage
Far from the most expensive, but also not the cheapest
Best insurer for high-value homes: Travelers
Average monthly premium: $246
Travelers has a J.D. Power Score of 794 and offers insurance for high-value homes. It offers replacement cost coverage starting at $1 million.
Offers coverage for high-value homes, starting at $1 million
Discount available for having a “green home” certified by the Leadership Energy and Environmental Design (LEED) organization
Multiple insurance types make bundling discounts easy to qualify for
Fewer types of discounts than some competitors
Comparatively lower J.D. Power Score
Higher premiums than many other insurers
Best regional insurance company: Hippo
Average monthly premium: $247
While Hippo isn’t available in every state, it’s available in Texas and a handful of nearby states. Hippo offers landlord, HOA, HO-3, and fire insurance, which makes its insurance options relatively limited. But the company does provide a free smart home-monitoring system and a premium discount for activating monitoring against fire, water damage, theft, and other risks.
New-home discount available
Fast claims submission process
Computers and office equipment covered at much higher coverage limits than competitors
Doesn’t offer auto or life policies
Website can be difficult to navigate
Competitors offer more add-ons for customization of policies
Learn More: Hazard Insurance Guide for Texas Homeowners
Best for tornado coverage: Safeco
Average monthly premium: $354
Texas is prone to tornadoes, and Safeco provides tornado coverage. A policy through Safeco also covers hurricanes (but not flood damage caused by a hurricane), another weather event that can damage Texas homes.
Add-ons make it easy to customize a policy
Discount available for bundling auto and home policies
File claims 24/7 in less than 10 minutes, even from the mobile app
To evaluate home insurance companies, Insurify data scientists and editorial team analyze multiple factors that reflect a company’s quality, reliability, and financial health. We consider industry ratings and information from sources like A.M. Best, Standard & Poor’s, Moody’s and Fitch, and J.D. Power. We evaluate customer service and satisfaction data, customer reviews, NAIC complaint indexes, claims payout rates, company reputation and proprietary quoting data.