Getting homeowners insurance is a necessary expense for many Texas homeowners. But, it's possible to find a policy that combines excellent customer service with affordability.
Below, CNBC Select reviews six homeowners insurance companies that do just that. Here are our top picks for Texas homeowners insurance. (See our methodology below).
Compare homeowners insurance companies
Best for affordability
Mercury Homeowners Insurance
Cost
The best way to estimate your cost is to get a personalized quote
Maximum coverage
Not disclosed
App available
Yes
Policy highlights
Policy covers damage to your home due to fire, lightning, smoke or storm damage, theft, loss of use, personal liability and accidents that occur to others on your property.
Does not cover
Earthquakes and flood insurance. See below for additional protections.
Terms apply.
Pros
- Can submit claims online or over the phone
- Offers service line protection
- Offers discounts for bundling home and auto insurance
- App available
- Provides identity theft coverage of up to $25,000
- Offers discount for living in a gated community
- Offers a discount for selecting a policy with a higher deductible
Cons
- Only available in 10 states
Who's this for? Mercury could be for you if you're looking for the most affordable price but don't want to sacrifice convenience.
Standout benefits: While it's a smaller insurer, only available in 10 states, Mercury still has the benefits of a larger insurance company. It offers 24/7 claims help and customer service online and by phone, and a convenient mobile app to manage your policy on the go.
Best for bundling
Allstate Homeowners Insurance
Cost
The best way to estimate your costs is to request a quote
App available
Yes
Policy highlights
Allstate's homeowners insurance combines strong track records for customer satisfaction with affordability. While not available in all states, it is widely available across the U.S. It's also willing to work with homeowners who have unique needs like those with homes over 100 years old. Special features including unique homesharing coverage can help make your homeowners insurance policy even more useful.
Pros
- Offers several discounts, including bundling discounts for bundling home and auto insurance
- Coverage is available in all 50 states and Washington, D.C.
Cons
- New policies not available in California
Who's this for? Allstate could be a good fit if you want to keep all of your insurance with one company — we also found Allstate's car insurance to be very affordable in Texas.
Standout benefits: Besides many other discounts, Allstate offers those who bundle their insurance coverage the chance to save up to 25% on their coverages when purchased online.
Best for high-risk homes
Foremost Homeowners Insurance
Cost
The best way to estimate your costs is to request a quote
App available
No
Policy highlights
Foremost covers a variety of homes and situations — it offers traditional homeowners insurance in addition to coverage for seasonal homes, vacant homes, condos and more. A member of the Farmers group of companies, Foremost states that it offers coverage for homes that have been declined or non-renewed by other companies. It also covers high-risk situations like swimming pools and pets, and offers those who have bad credit.
Pros
- Offers coverage for a variety of situations, including coverage for those who have been non-renewed or declined elsewhere
Cons
- Online quotes take 2 to 3 days and aren't available in all states
Who's this for? Foremost makes it possible to get coverage if you've faced rejections, policy cancellations, or have been non-renewed by your insurance company in the past. We've included it as a top pick for high-risk homes and homeowners previously, and since it works in Texas, Foremost could be a strong option for these homeowners.
Standout benefits: Foremost offers extended replacement cost coverage and guaranteed rebuild coverage in some states. The company also offers actual cash value coverage which could increase the amount you'd get back if items are destroyed in a covered loss.
Best for discounts
Amica Homeowners Insurance
Cost
The best way to estimate your costs is to request a quote
Maximum coverage
Not disclosed
App available
Yes
Policy highlights
Amica offers two tiers of homeowners insurance coverage — a standard policy and the brand's unique Platinum Choice homeowners insurance. The latter offers extended coverage for jewelry, liability and covers more situations than a standard homeowners insurance policy. Add-on options include computer coverage, sump pump backup coverage, and dwelling replacement coverage.
Pros
- Superior customer satisfaction scores from J.D. Power
- Some policies may pay dividends of between 5% and 20% on average.
- Doesn't restrict dog breeds
Cons
- Policies not available in Hawaii or Alaska
- Dividend policies not available in every state
Who's this for? Amica is an easy fit if you want to buy and manage your homeowners insurance online. The brand offers discounts for paying in full, making automatic payments and receiving policy documents and bills electronically.
Standout benefits: Amica has been one of our top choices for affordable life insurance and cheap car insurance. And, that's not to mention that the brand offers savings of up to 30% for those who bundle home, auto, life and umbrella insurance policies.
Best for high-value homes
PURE Insurance Homeowners Insurance
Cost
The best way to estimate your costs is to request a quote
Maximum coverage
Not disclosed
App available
Yes
Policy highlights
PURE Insurance caters directly to high-value homeowners who have homes insured for $1 million or more. The company offers art services, a wildfire mitigation program, and allows members to access risk management specialists to prevent damage before it happens.
Pros
- Potential return of premiums with Subscriber Savings Accounts
- Access to risk management services for advice on how to prevent losses
- Claim support is available 24/7
Cons
- Quotes not available online
- Only available for high-value homes insured for $1 million or more
- Requires membership approval
Who's this for? PURE Insurance can offer savings if you own a home with an insured value of over $1 million. While it does require approval for a membership, it could be a good fit for those owning high-value homes.
Standout benefits: PURE can meet the unique needs of high-value homeowners, including coverage available for fine art, jewelry and more.
Best for military members and veterans
USAA Homeowners Insurance
Cost
The best way to estimate your costs is to request a quote
Maximum coverage
Not disclosed
App available
Yes
Policy highlights
Policy covers most weather-related damages, theft, vandalism, sudden and accidental water damage and mold. Also covers personal liability, personal belongings, dwelling and other structures and loss of use
Does not cover
Flood insurance, water damage and mold that has built up slowly over time, high-value personal items
Terms apply.
Pros
- USAA Perks™ program for discounts on moving and storage, home security and handyman and cleaning services
- Claims-free discount available
- Discounts for installing smart home devices that detect leaks, smoke and more
- Added benefits for military members such as coverage for uniforms and equipment for active-duty members
Cons
- Coverage and discounts are not available in all states
- Must become a USAA member in order to get a quote
Who's this for? If you're a military member, veteran or military family in Texas, you could find affordable coverage with USAA.
Standout benefits: USAA consistently stands out for customer service. While it doesn't officially qualify for the rankings since it's not available to the wider public, it scored 881 out of 1,000 in J.D. Power's U.S. Home Insurance Study's customer satisfaction rating for homeowners insurance, well above the industry average of 819.
More on our top homeowners insurance companies in Texas
Mercury
While it's a smaller insurer, Mercury has been protecting American homes and cars since 1962 and focusing on providing affordable rates.
Average annual cost for home insurance policy in Texas
$1,480
A.M. Best rating
A
NAIC complaint index (average is 1)
3.69, higher than average
J.D. Power customer satisfaction index
Not rated
Allstate
Allstate is a major player in the insurance industry that stands out for combining affordable rates and good customer service for Texas residents. In addition to homeowners insurance, the company offers auto insurance, motorcycle insurance and more, giving plenty of opportunities to bundle your coverages and save.
Average annual cost for home insurance policy in Texas
$2,046
A.M. Best rating
A+
NAIC complaint index (average is 1)
2.41, higher than average
J.D. Power customer satisfaction index
809 out of 1,000 (below 819 average)
Foremost
Foremost is owned by the well-respected Farmers Insurance Group and is known for its coverage of high-risk homes. It's available in all 50 states and Washington D.C. and offers a range of specialty coverages, in addition to traditional insurance policies.
Average annual cost for home insurance policy in Texas
$1,469
A.M. Best rating
A
NAIC complaint index (average is 1)
0.16, lower than average
J.D. Power customer satisfaction index
Not rated
Amica
Amica combines low average premiums with strong customer service. It has been around since 1907 and offers homeowners insurance is available in most states, including Texas.
Average annual cost for home insurance policy in Texas
$2,000
A.M. Best rating
A+
NAIC complaint index (average is 1)
0.36, lower than average
J.D. Power customer satisfaction index
844 out of 1,000 (above 819 average, second place overall)
PURE Insurance
Exclusively available to high-value homeowners, PURE Insurance offers members exclusive perks and coverage that cater to their needs in the Lone Star State.
Average annual cost for home insurance policy in Texas
$1,352
A.M. Best rating
A
NAIC complaint index (average is 1)
1.43, higher than average
J.D. Power customer satisfaction index
Not Rated
USAA
USAA offers a rrange of insurance, banking and investment products exclusively to military members (former and present) and their families. Its homeinsurance offerings are a top choice for customer service and affordability.
Average annual cost for home insurance policy in Texas
$1,955
A.M. Best rating
A+
NAIC complaint index (average is 1)
0.53, lower than average
J.D. Power customer satisfaction index
881 out of 1,000 (above 819 average, not included in study)
FAQs
What is the average cost of homeowners insurance in Texas?
The average Texas homeowner pays about $3,726 for $300,000 of dwelling coverage with a $1,000 deductible.
Who has the cheapest homeowners insurance in Texas?
According to our data, Mercury and PURE Insurance offer the most affordable homeowners insurance in Texas.
How can I lower my homeowners insurance cost?
To lower your homeowners insurance cost, consider raising your deductible, raising your credit score, and bundling your home and auto coverage.
Why trust CNBC Select?
At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of insurance products. To research the best insurance companies, we compiled over 100 data points on more than a dozen insurance companies. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best Texas homeowners insurance companies.
Our methodology
To determine the best insurance companies in Texas, CNBC Select analyzed dozens of insurance companies and compared them based on various factors.
Sample premium data was gathered from the Texas Department of Insurance's Helpinsure.com tool, and was based on liability coverage with limits including:
- A homeowner with good credit
- A single family home
- $150,000 replacement cost
- Home aged 10 to 34 years old
- Brick exterior
We considered sample premium data from several Texas cities and gathered sample premium data for the same sample home with the qualifications above in Katy (Fort Bend County), El Paso (El Paso County), Frisco (Collin County), Grand Prairie (Dallas County) and Mckinney (Collin County). These were averaged to create the state average annual sample premium.
We also considered financial strength ratings from A.M. Best, National Association of Insurance Commissioner's complaint index data and data from J.D. Power's customer satisfaction index.
From there, we sorted our recommendations by the best for affordability, best for bundling, best for high-risk homes, best for discounts, best for high-value homes and best for military members and veterans.
Note that the premiums and policy structures advertised for homeowners insurance companies are subject to fluctuate per the company's policies.
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