The top homeowners insurance providers in Texas for 2024.
While getting homeowners insurance is a necessary expense for many Texas homeowners, it's possible to find a policy that offers both excellent customer service and affordability.
CNBC Select has reviewed six homeowners insurance companies and selected the top picks for Texas homeowners. (See our methodology below.)
Best for affordability
If you're seeking the most affordable option without sacrificing convenience, Mercury may be the right choice for you.
Mercury, although a smaller insurer with coverage in only 10 states, provides the advantages of a larger insurance company. It offers round-the-clock claims assistance and customer service online and via phone, as well as a user-friendly mobile app for managing policies on the go.
Best for bundling
If you want to keep all of your insurance with one company, Allstate could be a good fit, especially in Texas where their car insurance is very affordable.
Allstate provides a 25% discount on insurance coverage for those who bundle their policies and purchase them online.
Best for high-risk homes
This insurance company is ideal for individuals who have faced rejections, policy cancellations, or non-renewals by their previous insurance providers. We have consistently ranked Foremost as a top pick for high-risk homes and homeowners, and since it operates in Texas, it could be a suitable choice for these homeowners.
Some states provide extended replacement cost coverage and guaranteed rebuild coverage through Foremost. Additionally, the company offers actual cash value coverage, which may increase the amount you receive if items are destroyed in a covered loss.
Best for discounts
If you want to buy and manage your homeowners insurance online, Amica is an easy fit. The brand offers discounts for paying in full, making automatic payments, and receiving policy documents and bills electronically.
Amica is a top choice for affordable life and car insurance, with savings of up to 30% for those who bundle policies.
Best for high-value homes
PURE Insurance offers savings for homeowners with an insured value of over $1 million. Although it requires membership approval, it may be suitable for those with high-value homes.
PURE offers exceptional coverage for high-value homeowners, including protection for valuable items such as fine art and jewelry.
Best for military members and veterans
For military members, veterans, and families in Texas, USAA offers affordable coverage.
USAA is highly regarded for its customer service, earning an 881 out of 1,000 in J.D. Power's U.S. Home Insurance Study's customer satisfaction rating for homeowners insurance, which is significantly higher than the industry average of 819.
More on our top homeowners insurance companies in Texas
Mercury
Since 1962, Mercury has been protecting American homes and cars by focusing on providing affordable rates, even though it is a smaller insurer.
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 prominent insurance company in Texas, known for its affordable rates and excellent customer service. Besides homeowners insurance, the company provides auto, motorcycle, and other coverage options, allowing customers to bundle their policies and save money.
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
The Farmers Insurance Group, a well-respected company, owns Foremost and is renowned for its coverage of high-risk homes. Foremost is available in all 50 states and Washington D.C. and provides 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
Since 1907, Amica has been providing strong customer service while maintaining low average premiums for homeowners insurance, which 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
High-value homeowners in Texas can enjoy exclusive perks and coverage from PURE Insurance.
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 provides a variety of insurance, banking, and investment options exclusively to military members and their families. Their home insurance is highly regarded for its 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)
Why trust CNBC Select?
Our mission at CNBC Select is to deliver top-notch service journalism and in-depth consumer advice to our readers, enabling them to make well-informed decisions with their money. Our insurance reviews are based on thorough reporting by our team of expert writers and editors, who possess extensive knowledge of insurance products. In order to identify the best insurance companies, we conducted extensive research, collecting over 100 data points on more than a dozen companies. At CNBC Select, we take pride in our journalistic standards and ethics, and we ensure that all our content is created without any input from our commercial team or external third parties. For more information on how we select the best Texas homeowners insurance companies, please refer to our methodology.
Our methodology
In order to identify the top insurance companies in Texas, CNBC Select conducted a thorough analysis of numerous insurers and evaluated them based on multiple criteria.
The Texas Department of Insurance's Helpinsure.com tool was used to gather premium data for sample liability coverage with specified limits.
- A homeowner with good credit
- A single family home
- $150,000 replacement cost
- Home aged 10 to 34 years old
- Brick exterior
We averaged the sample premium data from several Texas cities, including Katy, El Paso, Frisco, Grand Prairie, and Mckinney, to determine the state average annual premium for a home with the specified qualifications.
We evaluated financial strength ratings from A.M. Best, National Association of Insurance Commissioner's complaint index data, and J.D. Power's customer satisfaction index in addition to other factors.
We ranked our recommendations based on affordability, bundling, suitability for high-risk homes, discounts, value for high-end homes, and benefits for military members and veterans.
Homeowners insurance companies offer varying premiums and policy structures that may change over time.
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