The Best and Cheapest Home Insurance Companies in Texas

Best cheap home insurance in Texas

Cheapest homeowners insurance companies in Texas

Chubb and Farmers offer the best home insurance rates in Texas, with annual averages of $1,362 and $1,443, respectively.

Cheap annual home insurance rates in Texas

Texas homeowners insurance rates: City-by-city breakdown

Homeowners insurance rates in Texas also vary by over $5,000 per year depending on what part of the state you live in. Homes located along the Gulf of Mexico generally have higher home insurance rates due to hurricane activity.

Average home insurance rates in Texas by city

Best-rated home insurance companies in Texas

When shopping for a home insurance policy, it's important to balance finding the best price with dependable service. We rated Texas insurers based on J.D. Power's customer satisfaction survey, complaint data from the National Association of Insurance Commissioners (NAIC) and our own editor's ratings.

The most common homeowners insurance perils in Texas

As the largest state in the continental U.S., Texas faces a wide range of homeowners insurance perils. Damage from hurricanes and other storms is the primary regional risk for homeowners living near the Gulf of Mexico. Meanwhile, homes further inland are susceptible to wildfires and tornadoes.

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How hurricanes and tropical storms are covered by insurance in Texas

Homeowners who live near the Gulf Coast are at risk of their home being hit by a hurricane or major windstorm. There are two main insurance perils associated with coastal storms: wind damage and flooding. Damage due to wind is covered by homeowners insurance — if the wind breaks a window or leads to your roof needing repair, your homeowners insurance will cover the costs.

If your home is at risk of flooding, you'll need to buy a stand-alone flood insurance policy. You have two main options for flood insurance: a National Flood Insurance Program (NFIP) policy backed by the federal government (with standardized rates and coverage levels across every insurer) or a policy from a private insurer, where rates and coverage options differ by company.

We recommend getting quotes for both publicly backed and private flood insurance companies in order to find the lowest prices.

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How wildfires are covered by insurance in Texas

Wildfires are a particular concern for the western parts of Texas, where conditions tend to be drier and more susceptible to fire. Fire damage is almost always covered by homeowners insurance, so you'll be protected by your policy as long as you have adequate coverage limits.

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How tornadoes are covered by insurance in Texas

Tornadoes are a common occurrence in Texas, especially during springtime. While tornadoes generally don't cause as much widespread damage as a hurricane, they often appear with little or no warning. This means you won't have much time, if any, to prepare before a storm hits. Once they've formed, tornadoes generally have a travel speed of around 30 mph, but they can move at speeds up to 70 mph in the right conditions. So if you're in an area where a tornado watch or warning has been issued, stay inside in a protected area until the danger passes.

Other sources of tornado-related damage, like hail, are generally included but can vary by insurer and region, so double-check your policy to understand what perils you're protected from.

Frequently asked questions

Methodology

For our analysis, we collected hundreds of insurance quotes from the largest homeowners insurance companies that operate in Texas, for every ZIP code in the state. Our sample property is a single-family home built in 1988 with $279,100 of dwelling coverage.

We gathered rates from the following companies:

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.