)
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
Jessica has been a contributor at Insurify since July 2023.
)
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
)
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
)
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
Featured in
Updated
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
Homeowners in Texas pay an average of $4,164 per year for $300,000 in dwelling coverage with a $1,000 deductible, according to Insurify data. In comparison, the national average is $2,544 per year for the same amount of coverage.
Texas homeowners’ exposure to several natural disasters — including flooding, hurricanes, wildfires, and tornadoes — may help explain the higher rates. Purchasing additional coverage, like flood and windstorm insurance, can help ensure your home has the proper protection.
Here’s the information you need to find the best homeowners insurance in the Lone Star State.
USAA, Chubb, and Nationwide are three of our picks for the best insurance companies in Texas.
USAA provides the cheapest homeowners insurance in the Lone Star State, at an average of $217 per month.
Flooding is the most common natural disaster in Texas, with the entire state at risk of flash flooding.
Best home insurance companies in Texas
As a homeowner in Texas, you have access to many quality home insurance companies. Your individual needs, situation, and budget can help narrow down which insurer is right for you.
To start your search, take a look at our selection of the top home insurance companies in Texas.
USAA: Best for military families
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $217/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $318/mo |
With more than 15 active-duty military installations in Texas, many homeowners can take advantage of USAA’s affordable rates and exceptional customer service. USAA offers several ways to save, with bundling, home security systems, and loyalty discounts.
To help protect against wildfires, USAA offers a Wildfire Response Program at no extra cost to homeowners in designated at-risk areas.
Above-average score in the J.D. Power U.S. Home Insurance Study
AM Best financial strength rating of A++ (Superior)
Special coverage for active-duty and active reserve members
Available only to military members and eligible family
Low Trustpilot rating
No physical offices
Chubb: Best for natural disaster protection
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.8/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $709/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $1,065/mo |
Texas homeowners have many natural disasters to be wary of. To help ensure you have the coverage you need, Chubb offers a complimentary home appraisal service that includes fire prevention advice. Chubb also offers flood, hurricane, and wildfire coverage options.
In addition to standard homeowners insurance, Chubb offers coverage for Texans who want to protect their luxury assets, including fine art, jewelry, and collections.
Top score on the J.D. Power U.S. Property Claims Satisfaction Study
Complimentary home appraisal service
Offers extended replacement cost coverage
Quotes not available online
More expensive than some competitors
Must work with an agent for a quote
Nationwide: Best for optional coverages
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A+ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $307/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $456/mo |
If you’re looking for optional coverages, Nationwide is a solid pick. The company offers flood insurance, better roof replacement coverage, water backup, dwelling replacement cost, earthquake coverage, and valuables plus coverage. Nationwide’s rates are fairly affordable, but they’re not the cheapest.
That said, Nationwide does offer a wide range of discounts, including those for bundling, home security, and for going claims-free.
Many available discounts
Above-average J.D. Power customer satisfaction score
Many local insurance agents in Texas
Below-average J.D. Power claims satisfaction score
Can’t buy a policy online
Low Trustpilot rating
Farmers: Best for discounts
discounts
Farmers
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $228/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $343/mo |
Farmers offers a range of standard and optional homeowners insurance coverages, including water backup and sump overflow, valuable items, identity fraud, and more. While it has some of the more affordable rates compared to competitors, you can save even more with a large selection of discounts, including bundling, claims-free, green certification, and military discounts.
Many available discounts and coverage options
Quotes available online
Guaranteed replacement cost coverage available
Higher-than-average number of complaints with the National Association of Insurance Commissioners (NAIC)
Below-average J.D. Power customer satisfaction score
Low Trustpilot rating
State Farm: Best for customer satisfaction
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $360/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $495/mo |
If customer service is a priority, State Farm is a great choice. The company scored above average in the J.D. Power U.S. Home Insurance Study and has local agents available in cities across Texas. State Farm is more expensive than competitors, but Texas homeowners are eligible for discounts for using special roofing products and having hurricane-resistant windows.
Above-average J.D. Power customer satisfaction score
AM Best financial strength rating of A+ (Superior)
Many available insurance agents
Much higher rates than competitors
Fewer discounts than some competitors
Below-average J.D. Power claims satisfaction score
Our editorial team analyzed dozens of regional and national home insurance companies that sell policies in Texas to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
Cheapest home insurance in Texas
Homeowners insurance is expensive, and Texas is no exception. USAA offers the cheapest home insurance in Texas, with an average monthly premium of $217 for $300,000 in dwelling coverage with a $1,000 deductible.
The following table highlights some of the other cheapest insurance companies in Texas, according to Insurify data.
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
Featured in
Insurance Company | Average Annual Premium |
|---|---|
| USAA | $2,604 |
| Farmers | $2,736 |
| Travelers | $2,976 |
| Foremost | $3,600 |
| Nationwide | $3,684 |
| State Farm | $4,320 |
| Allstate | $5,196 |
| Chubb | $8,508 |
Find Cheap Home Insurance in Texas
Check quotes from 120+ top insurance companies
How much does homeowners insurance cost in Texas?
The average cost of home insurance in Texas is $347 per month for a policy with a $1,000 deductible and $300,000 in dwelling coverage. Homeowners insurance rates in Texas are higher than the national average due to the state’s vulnerability to many severe weather events.
Insurance companies use a variety of factors to calculate rates, including your location, the coverage levels you need, the age and size of your home, your credit and claims history, and your home’s exposure to natural disasters.[1]
In Texas, some of the biggest risks to homeowners include flooding, hurricanes, tornadoes, and wildfires. Your proximity to the coast, a flood zone, and a tornado zone can all affect your rate.
Cheapest home insurance companies in Texas by dwelling coverage
Dwelling coverage is part of a standard homeowners insurance policy. It protects the structure of your home, including any permanently attached structures like a deck or garage.
The table below shows how much Texas homeowners pay for different dwelling coverage limits.
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
Featured in
Insurance Company | Average Annual Premium |
|---|---|
| Farmers | $1,682 |
| USAA | $1,725 |
| Travelers | $1,799 |
| Foremost | $2,116 |
| Nationwide | $2,307 |
| Allstate | $2,963 |
| State Farm | $3,058 |
| Chubb | $5,587 |
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
Featured in
Insurance Company | Average Annual Premium |
|---|---|
| USAA | $2,296 |
| Farmers | $2,413 |
| Travelers | $2,624 |
| Foremost | $3,174 |
| Nationwide | $3,248 |
| State Farm | $3,809 |
| Allstate | $4,582 |
| Chubb | $7,502 |
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
Featured in
Insurance Company | Average Annual Premium |
|---|---|
| USAA | $3,365 |
| Farmers | $3,629 |
| Travelers | $4,307 |
| Nationwide | $4,825 |
| Foremost | $5,142 |
| State Farm | $5,238 |
| Allstate | $7,322 |
| Chubb | $11,269 |
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
Featured in
Insurance Company | Average Annual Premium |
|---|---|
| USAA | $4,656 |
| Farmers | $4,783 |
| Travelers | $6,412 |
| Nationwide | $6,761 |
| State Farm | $7,015 |
| Foremost | $7,597 |
| Allstate | $10,031 |
| Chubb | $14,888 |
Texas homeowners insurance cost by city
Home insurance rates can vary widely across the state, even by ZIP code. For example, homeowners in Corpus Christi pay higher rates than homeowners in El Paso because of the city’s greater exposure to natural disasters like hurricanes and flooding due to its coastal location.[2]
Other factors, including your home’s proximity to a fire station and local crime rates, can also cause insurance rates to vary.
Here’s how rates vary in different cities across the Lone Star State.
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
Featured in
City | Average Annual Premium: With $300,000 in Dwelling Coverage |
|---|---|
| El Paso | $1,980 |
| Killeen | $2,796 |
| Austin | $2,808 |
| San Antonio | $3,180 |
| Waco | $3,540 |
| McAllen | $3,780 |
| Dallas | $4,392 |
| Lubbock | $4,452 |
| Brownsville | $4,596 |
| Beaumont | $4,836 |
| Houston | $5,292 |
| Corpus Christi | $6,144 |
What homeowners should know about insurance in Texas
Texas has the highest frequency of severe weather events in the nation, according to data from the National Centers for Environmental Information.[3] It also accounts for 15% of all U.S. billion-dollar disasters. Some of the top risks to Texas homeowners include flooding, hurricanes, tornadoes, and wildfires.
Flooding
Flooding is the most common natural disaster in Texas, with the entire state at risk.[4] In July 2025, heavy rainfall led to the flooding of the Guadalupe River, which swept away several homes.
While a standard homeowners policy doesn’t cover flooding, you can ask your insurer if it offers additional flood insurance coverage. You can also contact the National Flood Insurance Program (NFIP).
Hurricanes
Coastal cities in Texas are especially vulnerable to hurricanes during hurricane season. Extreme rainfall, storm surges, and high winds can cause significant damage to homes. A standard homeowners policy typically covers damages from a hurricane, except for flooding and damage from wind in high-risk areas.
If you live along the coast, you may need to purchase additional windstorm insurance to cover wind and hail damage. You can ask your insurer if it offers extra coverage or look for insurance from the Texas Windstorm Insurance Association.[5]
Wildfires
Wildfires are another risk to consider in Texas, given its hot, dry, and windy conditions. A 2024 wildfire in the Texas Panhandle destroyed more than 130 homes and businesses. A standard homeowners policy typically covers damages from a wildfire.
Tornadoes
With much of the state in Tornado Alley, Texas homeowners are no strangers to tornadoes. On average, 135 tornadoes hit Texas every year, and they’re most common in the spring and summer. Standard homeowners insurance covers wind damage, but you may have a separate deductible.
If you live in an especially high-risk area, you may need windstorm insurance similar to those in high-risk hurricane areas. Installing a resilient roof can help prevent damage and may earn you a discount.
How much homeowners insurance do you need in Texas?
Texas state law doesn’t require you to have home insurance, but your mortgage lender will. When purchasing home insurance, make sure you understand exactly what your policy covers to ensure you have the proper protection. A standard policy covers many perils, such as fires, hail, and lightning, but doesn’t cover damage from flooding. Since flooding is the most common natural disaster in Texas, you may want to purchase additional coverage.[6]
To make sure you have enough coverage for your personal property, you can conduct a home inventory. This involves making a list of your possessions with a description of each item, where it was purchased, and how much it cost. You can also include photos or proof of purchase. This is especially helpful if you need to file a claim for the item in the future.
A simple way to estimate your dwelling coverage needs is to multiply your home’s square footage by the local building costs per square foot. To find this number, you can reach out to a local realtor or builder. In general, you want to carry enough insurance to cover 80% of the rebuilding costs of your home. Otherwise, your insurer may not fully pay out your claim.
Since Texas homeowners are vulnerable to so many perils, it may be helpful to speak to an insurance professional to ensure you get enough coverage.
Compare Texas Home Insurance Quotes
See personalized quotes from top home insurers in minutes
How to contact the Texas Department of Insurance
The Texas Department of Insurance (TDI) is responsible for regulating the state’s insurance industry. It also helps ensure the fair treatment of policyholders.
If you have a concern or a complaint about your home insurance, you can contact the consumer protection help line at 1 (800) 252-3439 or the main insurance line at 1 (800) 578-4677.
To file a complaint, you can use the TDI Complaint Portal or send your complaint by mail to P.O. Box 12030, Austin, TX 78711-2030.
Texas homeowners insurance FAQs
If you’re still trying to decide which Texas home insurance company is right for you, check out the following answers to some of our most commonly asked questions.
The annual cost of homeowners insurance in Texas is $4,164 for $300,000 in dwelling coverage with a $1,000 deductible, Insurify data shows. Adding optional flood or windstorm coverage will increase your rates, but it may be worth it if you live in a high-risk area.
USAA offers the cheapest homeowners insurance in Texas, with an average premium of $217 per month, according to Insurify data.
No. Texas state law doesn’t require home insurance, but your mortgage lender will. Home insurance helps ensure that you have protection for your home and personal belongings if a covered peril damages or destroys them. Without coverage, you’re responsible for paying out of pocket, which could be incredibly expensive.
To lower the cost of home insurance in Texas, compare multiple insurers to find the policy that best meets your needs and budget. Consider increasing your deductible (if you can afford the potentially higher out-of-pocket costs), and ask about home insurance discounts.
Having a strong credit history and improving your home’s safety may also help lower your premiums.
A homeowners insurance policy with $300,000 in dwelling coverage in Texas costs an average of $347 per month, according to Insurify data.
A standard homeowners policy covers four main categories: the structure of your home, your personal belongings, personal liability, and additional living expenses. If you live in a high-risk flood, tornado, or hurricane zone, you may need additional coverage.
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
Related articles
)
Best Home Insurance Companies in Waco, Texas
)
Best Home Insurance Companies in El Paso, Texas
)
Best Home Insurance Companies in San Antonio, Texas
)
Best Homeowners Insurance in Houston
)
Best Homeowners Insurance in Corpus Christi
)
Cheapest Homeowners Insurance in Dallas
)
Best Home Insurance Companies in Austin, Texas
)
Texas Hurricane Insurance: Complete Guide
Sources
- Texas.gov. "How are your auto and homeowners insurance costs calculated?."
- City of Corpus Christi. "Flood Facts."
- NOAA. "Disaster Cost and Frequency."
- TexasReady. "Floods."
- Texas Department of Insurance. "What is windstorm insurance?."
- III. "How much homeowners insurance do I need?."
)
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
Jessica has been a contributor at Insurify since July 2023.
)
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
)
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
)
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
Featured in
)
)
)
)