Best Texas Home Insurance Companies
Texas is a vast and diverse state that faces many unique obstacles, making it essential to get the best home insurance available. Fortunately, there are numerous providers within Texas offering competitively priced policies with excellent customer service.
Texas home insurance companies that offer discounts, and protection for various risks, and are highly rated by J.D. Power and other third-party sources are considered the best to choose from. Based on these criteria, you can determine which insurer best meets your needs while offering adequate coverage at an affordable price point.
Chubb came out on top in our affordability analysis, scoring 92 out of 100 in MoneyGeek's evaluation. It offers some unique features such as cash settlement options and risk consultants that make it a good option for those seeking to save on homeowners insurance costs while still getting adequate protection for their property.
Allstate had the highest premiums of any Texas-based insurer, which can be a deterrent for some customers. On the other hand, it offers numerous discount opportunities to reduce policy costs such as discounts for bundling your coverage with an auto policy or signing up for paperless billing.
Lemonade:
Lemonade is one of the few insurance companies that allow customers to purchase and manage their home policies entirely online, making it convenient for customers to compare quotes, file claims and connect with customer service from their smartphones. This has made Lemonade a go-to choice among homeowners who want more control over their policy management process while staying connected to their insurers.
USAA:
USAA offers a host of benefits to current and former military members, such as its no-deductible option for active or deployed service members. Plus, it has an impressive MoneyGeek score and a reputation for offering top-notch customer service.
Amica Mutual:
Rated the top Texas home insurance company for customer satisfaction, Amica Mutual provides a variety of options and discounts to help reduce your premiums. Plus, it's an ideal option for homeowners living in expensive homes.
State Farm:
State Farm has an excellent reputation for customer service and has a large presence in Texas, but its deductibles can be high. State Farm offers discounts that help you save on your policy, plus it has various options to reduce your deductibles such as wind mitigation or earthquake endorsements.
GEICO:
This company is known for its competitive rates and excellent customer service, but it doesn't offer the most comprehensive coverage options. Deductibles may be high, but GEICO still offers some of the lowest prices in California.
Farmers:
Farmers offer a wide range of discounts, but their rates aren't the most competitive. Their coverage options may be more limited than others, but it does have some unique features that could help you save on your homeowners' policy.
Before making a final decision on your home insurance, it's essential to shop around. Different insurers offer various rates and coverages for different types of homes, so getting quotes will help you determine which company offers the most value for both your house and your budget.
Before making a final decision on your home insurance, it's essential to shop around. Different insurers offer various rates and coverages for different types of homes, so getting quotes will help you determine which company offers the most value for both your house and your budget.
