- How much is home insurance in Texas?
- How much is home insurance in Texas per month?
- Best home insurance companies in Texas
- Cheapest home insurance in Texas
- Texas home insurance trends
- Texas home insurance calculator: Rates by ZIP code
- Average homeowners insurance in Texas by coverage level
- Texas homeowners insurance rates by county
- Average home insurance rates in Texas' largest cities
- How to lower homeowners insurance rates in Texas
- Texas home insurance: Frequently asked questions
- Compare Texas homeowners insurance rates with other states
How much is home insurance in Texas?
The average cost of home insurance in Texas is $3,851 a year, making Texas the fifth most expensive state in the country for homeowners insurance. The average Texas homeowners insurance rates are $1,250 more than the national average home insurance rate of $2,601 for insurance coverage of:
- $300,000 dwelling coverage
- $1,000 deductible
- $300,000 liability
- 2% hurricane deductible
Texas home insurance rates have increased by 54.4% from 2019 to 2024, per S&P Global. The increase in premiums makes shopping around vital.
How much is home insurance in Texas per month?
How much is homeowners insurance in Texas per month? Our rate analysis shows that the average home insurance cost in Texas is $321 per month. This rate is for $300,000 in dwelling coverage with a $1,000 deductible and $300,000 of liability protection. The table below shows the average monthly Texas home insurance rates for various coverage limits. State Farm has the cheapest home insurance in Texas at an average of $310 a month.
| Company | Monthly premium |
|---|---|
| State Farm | $310 |
| Farmers | $323 |
| Progressive | $341 |
| Nationwide | $458 |
| USAA* | $272 |
*USAA offers insurance only to military members, veterans and their families.
Best home insurance companies in Texas
Based on our analysis, Progressive is the top home insurance company in Texas. It’s followed by State Farm and Farmers.
We pulled out a few top companies in specific categories to make your choice easier. These are based on third-party ratings and our Best Home Insurance Companies survey for 2025.
- Best for cheap rates: State Farm ($3,725 annually)
- Best for having a low complaint volume: Farmers ($3,872 annually)
- Best for financial stability: State Farm ($3,725 annually)
Affordable home insurance in Texas can be hard to find, but it's important to look beyond a cheap rate when you're shopping. You need an insurance company that will be there when you need it.
How we chose the best home insurance companies in Texas: While there are many ways to rank home insurance companies, we used a few simple but important rating factors to choose the best homeowners insurance companies in Texas. The Insurance.com score in the table below is calculated based on AM Best rating for financial stability, NAIC complaint ratio, and average annual rates.
Take a look at the full ranking of home insurance companies in Texas below.
*USAA insurance is only available to military members, veterans and their families.
Progressive
Progressive is the best home insurance company in Texas among the top companies we analyzed. It has a strong A+ rating from AM Best and a low complaint ratio. Rates aren’t the cheapest but are lower than some big competitors.
State Farm
The biggest name in home insurance nationwide, State Farm is our No. 2 pick for home insurance in Texas. It boasts the highest possible AM Best rating and the cheapest rates among top companies that were ranked.
Farmers
Farmers came in third for home insurance in Texas with a low complaint ratio with the NAIC and a solid rating with AM Best. Its rates are not the lowest among the companies we compared, but it’s solid reputation ranks it highly.
People ask
Which insurance company is best for customer satisfaction in Texas?
Progressive has the lowest NAIC complaint ratio of any of the companies we ranked for home insurance in Texas.
Cheapest home insurance in Texas
The following home insurance rates are categorized by company for six coverage sets. Based on our rate analysis, State Farm has the best homeowners insurance rates in Texas at most coverage levels. Farmers is a little lower at the $200,000 dwelling coverage level. USAA is cheaper than both if you qualify.
- Cheapest for $200,000: Farmers at $2,842
- Cheapest for $300,000: State Farm at $3,725
- Cheapest for $400,000: State Farm at $4,482
- Cheapest for $600,000: State Farm at $6,300
- Cheapest for $600,000: State farm at $9,436
Six different dwelling coverages are shown, with a $300,000 liability limit and a $1,000 deductible.
| Company | $200,000 | $300,000 | $400,000 | $600,000 | $1,000,000 |
|---|---|---|---|---|---|
| Farmers | $2,842 | $3,872 | $4,871 | $6,954 | $10,832 |
| Nationwide | $4,190 | $5,495 | $6,730 | $10,244 | $15,563 |
| Progressive | $3,398 | $4,095 | $4,959 | $7,460 | $11,953 |
| State Farm | $3,020 | $3,725 | $4,482 | $6,300 | $9,436 |
| USAA | $2,478 | $3,263 | $3,998 | $5,465 | $8,273 |
Texas home insurance trends
What’s affecting home insurance in Texas? Here’s what you need to know.
- Texas homeowners are reporting that insurance companies are requiring them to bundle their policies in order to keep home insurance coverage, NBCDFW reports. While bundling often saves money, it's not always the cheapest option.”
- Progressive Insurance has stopped writing new policies in Texas, and Texas Public Radio reports that some current customers are being nonrenewed. In a letter to shareholders, Progressive CEO Tricia Griffith noted that the company is “maintaining or reducing our market share in higher volatile states that are more susceptible to catastrophic weather events.”
- Hurricane Beryl put pressure on TWIA’s catastrophic reserve fund, leading to a 5-1 vote on the board to submit a request for a 10% rate increase to the Texas Department of Insurance, according to Insurance Business Magazine; TWIA rates have already seen increases.
- Homeowners in high-risk areas may need to secure windstorm insurance through the Texas Windstorm Insurance Association, as private insurance companies look to reduce their risk.
Texas home insurance calculator: Rates by ZIP code
ZIP code 77586 in El Lago is among the most expensive places to insure a home in Texas at an average of $14,025. That’s over $12,000 more than in El Paso ZIP code 79905, the cheapest ZIP code in the state for home insurance.
By entering your ZIP code in the homeowners insurance calculator below, you’ll see the average home insurance rate for that area and the highest and lowest premiums fielded from major insurers. This will give you an idea of how much you can save by shopping around for coverage.
Rates are for coverage of $300,000 with a $1,000 deductible and $300,000 liability limits.
Home insurance calculator by ZIP code
Average home insurance rates in TexasMost & least expensive ZIP codes for homeowners insurance in Texas
| ZIP code | City | Highest rate |
|---|---|---|
| 77550 | Galveston | $10,164 |
| 77586 | El Lago | $9,906 |
| 77551 | Galveston | $9,536 |
| 77554 | Galveston | $9,358 |
| ZIP code | City | Lowest rate |
|---|---|---|
| 78559 | Iglesia Antigua | $1,956 |
| 78593 | Santa Rosa | $1,999 |
| 79915 | El Paso | $2,008 |
| 79905 | El Paso | $2,009 |
The Texas Department of Insurance says...
Someone from the insurance company may inspect the outside of your house when you apply for insurance. The company you chose with the best policy and price might not want to sell you insurance if your house is in bad shape.
To improve your home's safety and appearance:
- Replace rotting boards, sagging screens, and other damage.
- Fix cracks in walkways, loose railings, uneven steps, and things that could cause accidents.
- Replace a damaged or worn roof.
- Keep your yard clean and trimmed.
- Remove tree limbs hanging over your house.
- Touch up paint that is peeling or faded.
Average homeowners insurance in Texas by coverage level
Here is the annual average home insurance cost in Texas for dwelling coverage levels of $200,000 to $600,000 with a $1,000 deductible and liability coverage of $100,000 and $300,000.
| Coverage level | Average annual rate | Average cost per month |
|---|---|---|
| $200,000 dwelling with $100,000 liability | $2,944 | $245 |
| $200,000 dwelling with $300,000 liability | $2,951 | $246 |
| $300,000 dwelling with $100,000 liability | $3,844 | $320 |
| $300,000 dwelling with $300,000 liability | $3,851 | $321 |
| $400,000 dwelling with $100,000 liability | $4,736 | $395 |
| $400,000 dwelling with $300,000 liability | $4,744 | $395 |
| $600,000 dwelling with $100,000 liability | $6,794 | $566 |
| $600,000 dwelling with $300,000 liability | $6,804 | $567 |
| $1,000,000 dwelling with $100,000 liability | $10,459 | $872 |
| $1,000,000 dwelling with $300,000 liability | $10,469 | $872 |
Average home insurance cost in Texas by liability limits
Increasing your liability limits gives you a lot more protection and doesn't cost much more. Most home insurance policies come with $100,000 in personal liability insurance, but this is rarely enough coverage. Most experts recommend upping your limits to at least $300,000.
Medical payments pay for injuries to guests in your home but differs from liability in that it applies to injuries regardless of who is at fault. It is for minor incidents, with much lower coverage limits than liability insurance. Medical payments coverage is typically for $1,000 or $5,000.
Take a look at the cost of home insurance with $100,000 in liability coverage and $300,000 in liability coverage by company to compare costs.
Texas homeowners insurance rates by county
The cost of homeowners insurance in Texas varies by county. Find your county below to see how rates in your area compare to the state average.
| County | Average annual premium | Average monthly premium |
|---|---|---|
| Anderson | $3,461 | $288 |
| Andrews | $3,291 | $274 |
| Angelina | $3,163 | $264 |
| Aransas | $5,294 | $441 |
| Archer | $4,536 | $378 |
| Armstrong | $4,388 | $366 |
| Atascosa | $2,870 | $239 |
| Austin | $4,409 | $367 |
| Bailey | $4,045 | $337 |
| Bandera | $2,759 | $230 |
| Bastrop | $2,800 | $233 |
| Baylor | $4,460 | $372 |
| Bee | $4,467 | $372 |
| Bell | $2,823 | $235 |
| Bexar | $2,745 | $229 |
| Blanco | $2,764 | $230 |
| Borden | $3,662 | $305 |
| Bosque | $3,678 | $306 |
| Bowie | $3,439 | $287 |
| Brazoria | $4,898 | $408 |
| Brazos | $3,059 | $255 |
| Brewster | $2,358 | $196 |
| Briscoe | $4,299 | $358 |
| Brooks | $3,678 | $306 |
| Brown | $3,935 | $328 |
| Burleson | $3,316 | $276 |
| Burnet | $2,789 | $232 |
| Caldwell | $2,801 | $233 |
| Calhoun | $4,749 | $396 |
| Callahan | $4,120 | $343 |
| Cameron | $3,468 | $289 |
| Camp | $3,436 | $286 |
| Carson | $4,165 | $347 |
| Cass | $3,521 | $293 |
| Castro | $3,857 | $321 |
| Chambers | $4,790 | $399 |
| Cherokee | $3,351 | $279 |
| Childress | $4,457 | $371 |
| Clay | $4,551 | $379 |
| Cochran | $4,037 | $336 |
| Coke | $3,902 | $325 |
| Coleman | $4,006 | $334 |
| Collin | $4,077 | $340 |
| Collingsworth | $4,597 | $383 |
| Colorado | $4,067 | $339 |
| Comal | $2,764 | $230 |
| Comanche | $4,060 | $338 |
| Concho | $3,791 | $316 |
| Cooke | $4,254 | $354 |
| Coryell | $3,047 | $254 |
| Cottle | $4,457 | $371 |
| Crane | $3,160 | $263 |
| Crockett | $2,929 | $244 |
| Crosby | $3,947 | $329 |
| Culberson | $2,153 | $179 |
| Dallam | $3,778 | $315 |
| Dallas | $4,145 | $345 |
| Dawson | $3,850 | $321 |
| Deaf Smith | $4,245 | $354 |
| Delta | $3,898 | $325 |
| Denton | $4,162 | $347 |
| DeWitt | $3,735 | $311 |
| Dickens | $4,303 | $359 |
| Dimmit | $2,665 | $222 |
| Donley | $4,400 | $367 |
| Duval | $3,226 | $269 |
| Eastland | $4,204 | $350 |
| Ector | $3,399 | $283 |
| Edwards | $2,868 | $239 |
| El Paso | $2,149 | $179 |
| Ellis | $3,793 | $316 |
| Erath | $4,175 | $348 |
| Falls | $3,104 | $259 |
| Fannin | $3,993 | $333 |
| Fayette | $3,354 | $279 |
| Fisher | $4,117 | $343 |
| Floyd | $4,237 | $353 |
| Foard | $4,383 | $365 |
| Fort Bend | $6,180 | $515 |
| Franklin | $3,527 | $294 |
| Freestone | $3,496 | $291 |
| Frio | $2,754 | $230 |
| Gaines | $3,514 | $293 |
| Galveston | $5,114 | $426 |
| Garza | $4,115 | $343 |
| Gillespie | $2,672 | $223 |
| Glasscock | $3,623 | $302 |
| Goliad | $4,467 | $372 |
| Gonzales | $3,275 | $273 |
| Gray | $4,349 | $362 |
| Grayson | $4,354 | $363 |
| Gregg | $3,114 | $260 |
| Grimes | $3,685 | $307 |
| Guadalupe | $2,839 | $237 |
| Hale | $4,002 | $334 |
| Hall | $4,384 | $365 |
| Hamilton | $3,832 | $319 |
| Hansford | $4,258 | $355 |
| Hardeman | $4,521 | $377 |
| Hardin | $4,338 | $362 |
| Harris | $5,829 | $486 |
| Harrison | $3,397 | $283 |
| Hartley | $3,925 | $327 |
| Haskell | $4,498 | $375 |
| Hays | $2,613 | $218 |
| Hemphill | $4,329 | $361 |
| Henderson | $3,497 | $291 |
| Hidalgo | $3,334 | $278 |
| Hill | $3,737 | $311 |
| Hockley | $3,682 | $307 |
| Hood | $4,212 | $351 |
| Hopkins | $3,649 | $304 |
| Houston | $3,358 | $280 |
| Howard | $3,678 | $307 |
| Hudspeth | $2,360 | $197 |
| Hunt | $3,846 | $321 |
| Hutchinson | $4,233 | $353 |
| Irion | $3,627 | $302 |
| Jack | $4,550 | $379 |
| Jackson | $4,923 | $410 |
| Jasper | $3,996 | $333 |
| Jeff Davis | $2,271 | $189 |
| Jefferson | $4,065 | $339 |
| Jim Hogg | $2,777 | $231 |
| Jim Wells | $3,712 | $309 |
| Johnson | $3,990 | $333 |
| Jones | $4,193 | $349 |
| Karnes | $3,559 | $297 |
| Kaufman | $3,912 | $326 |
| Kendall | $2,714 | $226 |
| Kenedy | $4,394 | $366 |
| Kent | $4,292 | $358 |
| Kerr | $2,637 | $220 |
| Kimble | $3,023 | $252 |
| King | $4,648 | $387 |
| Kinney | $2,487 | $207 |
| Kleberg | $3,561 | $297 |
| Knox | $4,400 | $367 |
| La Salle | $2,800 | $233 |
| Lamar | $3,778 | $315 |
| Lamb | $3,759 | $313 |
| Lampasas | $2,849 | $237 |
| Lavaca | $3,764 | $314 |
| Lee | $2,963 | $247 |
| Leon | $3,395 | $283 |
| Liberty | $4,837 | $403 |
| Limestone | $3,483 | $290 |
| Lipscomb | $4,531 | $378 |
| Live Oak | $4,119 | $343 |
| Llano | $2,925 | $244 |
| Loving | $2,699 | $225 |
| Lubbock | $3,937 | $328 |
| Lynn | $3,874 | $323 |
| Madison | $3,353 | $279 |
| Marion | $3,589 | $299 |
| Martin | $3,648 | $304 |
| Mason | $3,043 | $254 |
| Matagorda | $5,247 | $437 |
| Maverick | $2,423 | $202 |
| Mcculloch | $3,687 | $307 |
| Mclennan | $3,315 | $276 |
| Mcmullen | $3,008 | $251 |
| Medina | $2,805 | $234 |
| Menard | $3,197 | $266 |
| Midland | $3,397 | $283 |
| Milam | $2,983 | $249 |
| Mills | $3,694 | $308 |
| Mitchell | $3,880 | $323 |
| Montague | $4,380 | $365 |
| Montgomery | $4,095 | $341 |
| Moore | $4,022 | $335 |
| Morris | $3,477 | $290 |
| Motley | $4,360 | $363 |
| Nacogdoches | $3,205 | $267 |
| Navarro | $3,614 | $301 |
| Newton | $3,815 | $318 |
| Nolan | $4,021 | $335 |
| Nueces | $4,556 | $380 |
| Ochiltree | $4,517 | $376 |
| Oldham | $4,065 | $339 |
| Orange | $5,190 | $433 |
| Palo Pinto | $4,520 | $377 |
| Panola | $3,211 | $268 |
| Parker | $4,296 | $358 |
| Parmer | $3,738 | $311 |
| Pecos | $2,759 | $230 |
| Polk | $3,926 | $327 |
| Potter | $4,201 | $350 |
| Presidio | $2,340 | $195 |
| Rains | $3,691 | $308 |
| Randall | $4,192 | $349 |
| Reagan | $3,391 | $283 |
| Real | $2,761 | $230 |
| Red River | $3,628 | $302 |
| Reeves | $2,695 | $225 |
| Refugio | $4,557 | $380 |
| Roberts | $4,366 | $364 |
| Robertson | $3,106 | $259 |
| Rockwall | $3,993 | $333 |
| Runnels | $3,910 | $326 |
| Rusk | $3,289 | $274 |
| Sabine | $3,364 | $280 |
| San Augustine | $3,273 | $273 |
| San Jacinto | $4,011 | $334 |
| San Patricio | $4,489 | $374 |
| San Saba | $3,231 | $269 |
| Schleicher | $3,066 | $256 |
| Scurry | $4,184 | $349 |
| Shackelford | $4,296 | $358 |
| Shelby | $3,122 | $260 |
| Sherman | $4,125 | $344 |
| Smith | $3,308 | $276 |
| Somervell | $4,163 | $347 |
| Starr | $2,721 | $227 |
| Stephens | $4,323 | $360 |
| Sterling | $3,657 | $305 |
| Stonewall | $4,378 | $365 |
| Sutton | $2,868 | $239 |
| Swisher | $4,033 | $336 |
| Tarrant | $4,237 | $353 |
| Taylor | $4,041 | $337 |
| Terrell | $2,545 | $212 |
| Terry | $3,824 | $319 |
| Throckmorton | $4,325 | $360 |
| Titus | $3,475 | $290 |
| Tom Green | $3,657 | $305 |
| Travis | $2,621 | $218 |
| Trinity | $3,378 | $281 |
| Tyler | $3,852 | $321 |
| Upshur | $3,379 | $282 |
| Upton | $3,592 | $299 |
| Uvalde | $2,721 | $227 |
| Val Verde | $2,609 | $217 |
| Van Zandt | $3,642 | $303 |
| Victoria | $5,135 | $428 |
| Walker | $3,720 | $310 |
| Waller | $5,142 | $428 |
| Ward | $3,242 | $270 |
| Washington | $3,614 | $301 |
| Webb | $2,514 | $209 |
| Wharton | $5,831 | $486 |
| Wheeler | $4,536 | $378 |
| Wichita | $4,456 | $371 |
| Wilbarger | $4,712 | $393 |
| Willacy | $3,587 | $299 |
| Williamson | $2,698 | $225 |
| Wilson | $2,818 | $235 |
| Winkler | $3,209 | $267 |
| Wise | $4,390 | $366 |
| Wood | $3,553 | $296 |
| Yoakum | $3,686 | $307 |
| Young | $4,450 | $371 |
| Zapata | $2,287 | $191 |
| Zavala | $2,472 | $206 |
Average home insurance rates in Texas' largest cities
The following are average rates for some of the state's largest cities for a policy with $300,000 dwelling coverage, a $1,000 deductible, and $100,000 in liability protection.
Among the cities listed below, Houston has the most expensive home insurance rates in Texas at an average of $6,008 a year, largely due to it's proximity to the coast and vulnerability to hurricanes. El Paso has the cheapest home insurance in Texas at an average of $2,144.
| City | Avg annual premium | % of state average | % of national average |
|---|---|---|---|
| Arlington | $4,244 | 10% more | 63% more |
| Austin | $2,609 | 32% less | >1% more |
| Corpus Christi | $4,862 | 23% more | 82% more |
| Dallas | $4,129 | 7% more | 59% more |
| El Paso | $2,144 | 44% less | 18% less |
| Fort Worth | $4,226 | 10% more | 62% more |
| Houston | $6,008 | 52% more | 125% more |
| Lubbock | $3,911 | 2% more | 50% more |
| Plano | $4,090 | 6% more | 57% more |
| San Antonio | $2,721 | 29% less | 5% more |
How to lower homeowners insurance rates in Texas
There are several ways to reduce your Texas home insurance costs. Bundling your home and auto, for example, can cut your costs by 18% on average, according to our analysis of the best home insurance discounts.
You can also cut costs by making your home more disaster-resistant and doing upgrades. Installing a new roof, updating wiring or plumbing, and installing hurricane glass or accordion shutters might net you a discount.
Home insurance discounts in Texas for 2025
Home insurance discounts are one of the best ways to save on homeowners insurance in Texas. Discounts vary by carrier; take a look at the available discounts and average savings for top companies below.
| Company | Discount category | Premium before discount | Premium after discount | Discount percentage |
|---|---|---|---|---|
| Farmers Insurance | Age of home | $5,830 | $5,249 | 10% |
| Farmers Insurance | All Perils Deductible | $5,441 | $4,529 | 18% |
| Farmers Insurance | Automatic payments | $4,721 | $4,627 | 2% |
| Farmers Insurance | Bundle | $5,319 | $5,042 | 5% |
| Farmers Insurance | Burglar Alarm | $5,108 | $4,785 | 6% |
| Farmers Insurance | Construction type | $5,486 | $4,924 | 10% |
| Farmers Insurance | Deadbolt | $5,357 | $5,071 | 5% |
| Farmers Insurance | Fire Alarm | $5,267 | $5,148 | 2% |
| Farmers Insurance | Insurance Score Alignment | $5,419 | $4,532 | 19% |
| Farmers Insurance | Loyalty | $4,721 | $4,696 | 1% |
| Farmers Insurance | New Home | $5,449 | $3,255 | 40% |
| Farmers Insurance | Separate Wind-Hail Deductible | $5,247 | $4,660 | 14% |
| Farmers Insurance | Sprinklers | $5,357 | $4,899 | 9% |
| Farmers Insurance | Upgrades | $5,391 | $5,009 | 8% |
| Farmers Insurance | Water Safety System | $4,721 | $4,647 | 2% |
| Nationwide | Age of home | $6,242 | $4,520 | 24% |
| Nationwide | All Perils Deductible | $5,497 | $5,256 | 8% |
| Nationwide | Bundle | $5,497 | $5,165 | 7% |
| Nationwide | Burglar Alarm | $5,497 | $5,495 | 0% |
| Nationwide | Construction type | $6,743 | $6,468 | 4% |
| Nationwide | Fire Alarm | $5,497 | $5,468 | 1% |
| Nationwide | Gated Community | $5,497 | $5,481 | 1% |
| Nationwide | Insurance Score Alignment | $5,497 | $4,777 | 14% |
| Nationwide | New Home | $5,497 | $1,150 | 70% |
| Nationwide | Sprinklers | $5,497 | $5,399 | 3% |
| Nationwide | Upgrades | $5,841 | $4,796 | 13% |
| Progressive | Advance Purchase | $6,657 | $6,542 | 2% |
| Progressive | Age of home | $6,676 | $5,299 | 21% |
| Progressive | All Perils Deductible | $6,657 | $5,696 | 15% |
| Progressive | Bundle | $6,657 | $6,329 | 5% |
| Progressive | Burglar Alarm | $6,657 | $6,645 | 0% |
| Progressive | Construction type | $6,657 | $5,997 | 10% |
| Progressive | Fire Alarm | $6,657 | $6,647 | 0% |
| Progressive | Gated Community | $6,657 | $6,630 | 0% |
| Progressive | Insurance Score Alignment | $6,657 | $6,260 | 6% |
| Progressive | New Home | $6,657 | $1,695 | 74% |
| Progressive | Paid in Full | $6,657 | $6,449 | 3% |
| Progressive | Separate Wind-Hail Deductible | $6,657 | $5,593 | 16% |
| Progressive | Sprinklers | $6,657 | $6,646 | 0% |
| Progressive | Upgrades | $6,657 | $5,644 | 15% |
| Progressive | Water Safety System | $6,657 | $6,580 | 1% |
| State Farm | Age of home | $4,411 | $3,832 | 13% |
| State Farm | All Perils Deductible | $4,411 | $4,122 | 7% |
| State Farm | Bundle | $4,411 | $3,187 | 28% |
| State Farm | Construction type | $4,411 | $3,702 | 16% |
| State Farm | Insurance Score Alignment | $4,411 | $3,401 | 23% |
| State Farm | Loyalty | $4,411 | $4,061 | 8% |
| State Farm | New Home | $4,411 | $2,122 | 52% |
| State Farm | Separate Wind-Hail Deductible | $4,411 | $4,006 | 9% |
| State Farm | Sprinklers | $4,411 | $4,198 | 5% |
| State Farm | Upgrades | $4,411 | $3,443 | 22% |
| USAA | Advance Purchase | $3,977 | $3,412 | 14% |
| USAA | Age of home | $3,777 | $3,303 | 12% |
| USAA | All Perils Deductible | $3,977 | $3,315 | 18% |
| USAA | Bundle | $3,977 | $3,827 | 4% |
| USAA | Burglar Alarm | $3,978 | $3,976 | 0% |
| USAA | Construction type | $3,977 | $3,630 | 8% |
| USAA | Fire Alarm | $3,977 | $3,970 | 0% |
| USAA | Insurance Score Alignment | $3,977 | $3,636 | 10% |
| USAA | Loyalty | $3,977 | $3,808 | 4% |
| USAA | New Home | $3,977 | $2,102 | 48% |
| USAA | Separate Wind-Hail Deductible | $3,977 | $3,512 | 12% |
| USAA | Sprinklers | $3,977 | $3,963 | 0% |
| USAA | Upgrades | $3,977 | $3,548 | 11% |
Texas home insurance: Frequently asked questions
Why is home insurance so expensive in Texas?
Texas home insurance rates are higher than average due to the many weather risks in the state, from hurricanes to tornadoes and even, in recent years, winter storms.
How much is flood insurance in Texas?
The average annual cost of a National Flood Insurance Program (NFIP) policy in Texas is $698 a year. You can also buy flood insurance through a private flood insurance company; rates vary. A separate flood insurance policy is the only way to cover flood damage.
What if I have trouble getting home insurance in Texas?
The Fair Access to Insurance Requirements (FAIR) Plan is a state-mandated program that can provide insurance for individuals who are having trouble protecting their property because insurers consider them high risk. In Texas, the Texas Fair Plan Association (TFPA) provides homeowners insurance when no one else will.
How do I file a complaint about a Texas insurance company?
If you have a dispute that you cannot resolve, you can file a complaint with the Texas Department of Insurance. To file a complaint, use the Texas Department of insurance (TDI) online complaint system. The system allows you to attach up to 24 pages of supporting documents.
If you have questions, call the TDI Help Line at 800-252-3439 from 8 a.m. to 5 p.m. Central time.
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