Best Homeowners Insurance in Texas (2025)

State Farm earned our top rating for most Texas homeowners due to its low costs and solid coverage. Although Texas home insurance premiums are high on average, State Farm offers affordable average rates in the state of $4,457 per year, which is 35% below the state average cost of $6,854. It also earns a positive score in the J.D. Power 2025 U.S. Home Insurance Study, beating the industry average. State Farm's local agent network provides in-person support during claims, which can be particularly valuable after hurricane or hail damage. 

State Farm offers extensive coverage customization through endorsements that address Texas-specific risks. You can add water backup coverage for storm flooding, service line protection for underground utilities and umbrella insurance for increased liability limits. Across the board, State Farm offers quality coverage for affordable prices for Texas homeowners.

State Farm charges $4,457 annually for Texas homeowners, 35% below the state average of $6,854. It also offers some of the most affordable average rates for homeowners with good credit at $1,991 per year. 

State Farm has a great discount selection to help homeowners save even more. The insurer offers the best bundling discounts for homeowners combining home and auto policies, with the cheapest bundle at $2,559 annually and a 25% discount that saves customers an average of $847 compared to other providers. Senior homeowners can find additional savings through discounts as well.

State Farm scored 657 out of 1,000 in J.D. Power's 2025 U.S. Home Insurance Study, exceeding the industry average. Homeowners appreciate State Farm's local agent network for personalized service and face-to-face support when filing claims. The claims process works efficiently for straightforward claims, though complex cases take longer according to many customer reviews.

State Farm's digital tools fall short of competitors. The mobile app handles basic tasks like viewing policies and making payments but lacks advanced claim tracking features. You'll likely need to contact your agent for policy changes or detailed claim updates. Despite digital limitations, State Farm's responsive local agents and above-average satisfaction scores make it reliable for homeowners valuing personal relationships over technology.

State Farm offers extensive customization through endorsements and separate policies:

• Flood Insurance: Separate policy for flood damage not covered by standard homeowners policies
• Earthquake Insurance: Optional endorsement or separate policy for earthquake damage
• Water Backup/Sewer Backup: Covers water damage from sewers or drains backing up
• Service Line Coverage: Repairs or replaces underground utility lines to your home
• Personal Articles Policy: Separate policy for jewelry, electronics and firearms beyond standard limits
• Identity Fraud Protection: Covers costs to restore your identity if stolen
• Umbrella Insurance: Higher liability limits beyond your home insurance policy
• Full Replacement Cost Coverage: Replaces damaged home and contents at current cost, not depreciated value
• Home Systems Protection: Additional protection for home systems and appliances that break down over time

USAA earned a perfect 5.0 MoneyGeek rating and our Best for Military Families designation, combining the lowest premiums among top-rated insurers with exceptional customer service. The company's $4,243 average annual premium sits 38% below Texas's $6,854 state average, delivering substantial savings for eligible military families. USAA's J.D. Power score of 737 out of 1,000 leads all insurers, though the company isn't formally ranked due to eligibility restrictions limiting membership to military members, veterans and their families.

USAA excels in digital experience and claims handling, offering military-focused benefits that competitors can't match. The company's mobile app and online portal provide advanced features for policy management, claim tracking and coverage adjustments without contacting an agent. USAA's generous discount program lets you stack savings through bundling, protective devices, connected home technology and loyalty rewards. The insurer understands deployment challenges and offers specialized support for military families, including coverage adjustments during relocations and deployments.

USAA charges $4,243 annually for Texas homeowners, 38% below the state average of $6,854 and often ranking as one of the cheapest options for military families who qualify for coverage. USAA's stacking discounts can reduce your premium when combined. Bundle your home and auto policies to save 10%, add a monitored security system for another 5% off, and qualify for up to 15% savings with five years of claims-free history. These discounts help eligible military families secure comprehensive coverage at rates that other insurers struggle to match, making USAA's already-low premiums even more affordable.

USAA scored 737 out of 1,000 in J.D. Power's 2025 U.S. Home Insurance Study, the highest score among all insurers though not formally ranked due to eligibility restrictions. Military families praise USAA's understanding of deployment-related challenges, flexible coverage adjustments during relocations and responsive claims handling. The company's claims process works efficiently for both straightforward and complex claims, with dedicated support teams familiar with military life and unique coverage needs during overseas assignments.
USAA's digital tools set the industry standard for online policy management and claims tracking. The mobile app handles everything from filing claims with photo uploads to adjusting coverage limits and requesting policy documents. You can chat with representatives, track claim status in real-time and access coverage details 24/7 without calling customer service. USAA's combination of cutting-edge technology and military-focused customer service makes it the clear choice for eligible families, though civilian homeowners must look elsewhere.

USAA offers specialized endorsements that address Texas-specific risks and military family needs. Standard policies cover dwelling, personal property and liability protection, while add-ons provide enhanced coverage for electronics, earthquake damage and water-related incidents.

• Home Protector: Provides 25% more toward dwelling and other structures coverage limits when building costs increase after a covered loss
• Water Backup: Covers damage from water or sewage backing up through plumbing, plus sump pump overflow
• Earthquake: Protects your home and belongings from earthquake damage, shock waves or tremors
• Technology Coverage Endorsement: Enhanced protection for computers, tablets, mobile phones, wearable tech, gaming systems and TVs beyond standard policy limits
• Personal Injury: Covers accusations of libel, slander, defamation or other reputation-damaging actions

Mercury earned our Best for Affordable Rates designation with a MoneyGeek rating of 4.3 out of 5.0, delivering the lowest premiums among top-rated Texas insurers at $3,025 annually. The company consistently offers the cheapest rates across various homeowner profiles, including young and older homeowners, large and small homes, those with recent claims and those with poor credit. Mercury's 56% savings compared to Texas's $6,854 state average makes it the clear choice for budget-conscious homeowners willing to accept below-average customer satisfaction scores.
Mercury balances rock-bottom premiums with solid coverage options, though customer experience trails competitors like State Farm and USAA. The insurer's J.D. Power score of 575 out of 1,000 falls below the industry average, reflecting slower claims processing and limited digital tools compared to higher-rated providers. Mercury compensates for this gap with generous bundling discounts up to 17.9% and affordable endorsements like home systems protection and cyber coverage. If saving money matters more than premium customer service, Mercury delivers exceptional value for Texas homeowners.

Mercury charges $3,025 annually for Texas homeowners, which is 56% below the state average of $6,854. The insurer consistently ranks as the cheapest option across many Texas homeowner profiles, including young and old homeowners, large and small homes, those with a recent claim and those with poor credit. 
On top of its low average rates, Mercury's bundling discount saves up to 17.9% on home coverage when you combine policies with auto insurance, which also nets you up to 14.5% off your auto premium. Additional discounts for new homes under 10 years old, fire and theft protective devices, water leak detection systems and three-plus years claims-free further reduce your already-low premiums.

Mercury scored 575 out of 1,000 in J.D. Power's 2025 U.S. Home Insurance Study, below the industry average but reflecting the company's focus on keeping premiums low rather than investing in premium service features. Texas homeowners report that Mercury's claims process works efficiently for straightforward incidents like fire, theft and wind damage, with simple procedures that resolve common claims without unnecessary complexity. Complex claims involving multiple perils or extensive damage seem to require more patience and follow-up, according to customer reviews.
Mercury's limited agent network means most interactions happen by phone or online rather than in-person meetings. Budget-conscious Texas homeowners appreciate Mercury's no-frills approach.

Mercury offers affordable endorsements that extend protection beyond standard homeowners policies. The company focuses on practical add-ons like appliance protection and cyber coverage rather than extensive customization options.

• Home Systems Protection: Covers repairs or replacement of critical systems, appliances and electronics when they break down
• Home Cyber Protection: Protects against data compromises on computers, mobile devices and connected home technology, plus software and operating system damage
• Service Line Protection: Covers repair and replacement of underground service lines connecting your property to municipality lines
• Identity Management Services: Provides identity protection, management and restoration services for you and family members for less than $3 monthly

Chubb is known for its exceptional customer service and coverage, earning our Best Customer Experience award in our 2025 review. The company ranked second in the J.D. Power 2025 Home Insurance Study, highlighting its focus on superior customer care. Chubb's approach includes complimentary home appraisals to assess hurricane preparedness for coastal Texas homes and wildfire risks for Hill Country properties while also providing security advice.

Chubb's A++ AM Best rating demonstrates outstanding financial stability, giving Texas homeowners confidence their hurricane or hail damage claims get paid reliably. The company goes beyond standard coverage with innovative HomeScan technology that detects hidden problems before they cause damage, plus comprehensive replacement cost coverage that rebuilds your home exactly as it was. While Chubb's $9,358 average annual premium sits 37% above Texas's $6,854 state average, the combination of white-glove service, extended replacement cost and unique benefits makes it ideal for homeowners who value superior protection and personalized attention over basic coverage.

Chubb's average annual premium of $9,358 for Texas homeowners is 37% above the state average of $6,854, reflecting the company's focus on comprehensive coverage and superior service. This premium includes extensive features and personalized services that other insurers either don't offer or charge extra for, such as complimentary home appraisals, HomeScan technology and extended replacement cost coverage that rebuilds your home exactly as it was even when costs exceed policy limits.

Chubb earned our best-customer-experience award and ranked second in the J.D. Power 2025 Home Insurance Study with a score of 677, having held the top spot in 2024. The company's personalized approach includes risk consultants who conduct complimentary home appraisals, assessing hurricane preparedness for coastal Texas properties and wildfire risks for Hill Country homes while providing security and fire prevention advice. During claims, Chubb helps arrange comfortable temporary housing, including finding homes in your school district when possible—particularly valuable for Texas families displaced by hurricanes or severe storms.
Chubb's A++ AM Best rating confirms strong financial stability and prompt claims handling, critical for Texas homeowners facing costly hurricane or hail damage. The insurer's white-glove service includes HomeScan technology that uses infrared detection to find hidden problems like water leaks or electrical issues before damage occurs. Texas homeowners appreciate Chubb's flexibility during the claims process, with options to take cash settlements instead of rebuilding after total losses. The premium service justifies Chubb's higher costs for homeowners who value exceptional customer experience and comprehensive coverage.

Chubb offers comprehensive coverage with unique features that address Texas-specific risks and high-value home needs. The company's extended replacement cost and innovative technology set it apart from standard insurers.

• Extended Replacement Cost: Pays full rebuilding costs even if they exceed policy limits, including building code upgrades required after Texas storms
• Cash Settlement Option: Flexibility to take cash payment instead of rebuilding after total loss
• Replacement Cost Coverage: Replaces custom details like upgraded appliances, cabinets and flooring with exact or latest models available
• HomeScan Technology: Uses infrared detection to find hidden problems like leaks or electrical issues before damage occurs
• Risk Consulting: Complimentary home appraisals and security consultations from trained specialists who assess Texas-specific risks like hurricane exposure and foundation concerns
• Temporary Living Assistance: Help finding comfortable accommodations during repairs, including homes in your school district
• Comprehensive Extras: Coverage for situations like tree removal after Texas storms and lock replacement

Nationwide earned our Best Coverage Options award because of its wide variety of endorsement options that address Texas homeowner needs. The company's dwelling replacement cost coverage pays up to twice your dwelling limit if rebuilding costs exceed your policy after a covered loss, which is valuable protection given Texas's volatile construction costs and severe weather risks. Nationwide's J.D. Power score of 641 out of 1,000 matches the industry average, reflecting solid but unexceptional customer satisfaction compared to leaders like USAA and Chubb.

Nationwide stands out for customization options rather than rock-bottom premiums or exceptional service. Texas homeowners can add water backup coverage for sewer and drain overflow, equipment breakdown protection for appliances, service line coverage for underground utilities and separate earthquake and flood policies. The company's Valuables Plus coverage protects high-value items like jewelry and art beyond standard limits, while umbrella insurance extends liability protection. Nationwide works well for homeowners who prioritize comprehensive coverage options and don't mind paying slightly above-average premiums for flexibility.

Nationwide charges $7,306 annually for Texas homeowners, 7% above the state average of $6,854. This premium reflects Nationwide's extensive coverage options and established national presence, though budget-conscious homeowners can find cheaper alternatives with State Farm at $4,457 or Mercury at $3,025.

Nationwide matched the industry average for customer satisfaction in the J.D. Power Home Insurance Study, scoring 641 out of 1,000. Texas homeowners report mixed experiences with claims processing, with straightforward claims handled efficiently while complex cases involving multiple perils or extensive damage require more follow-up. Nationwide's local agent network provides personalized service in major Texas cities, though availability varies in rural areas where phone and online support become primary contact methods.

Nationwide offers extensive endorsements and separate policies that address Texas-specific risks and high-value property needs. The company's dwelling replacement cost coverage and equipment breakdown protection stand out among competitors.

• Dwelling Replacement Cost: Pays up to two times your dwelling coverage limit if rebuilding costs exceed your policy after a covered loss
• Water Backup: Covers damage from water backing up through sewers, drains or sump pump overflow
• Equipment Breakdown Coverage: Provides repair or replacement coverage for electrical, mechanical or pressure system breakdowns in appliances
• Service Line: Protects against damage to exterior, underground service lines bringing water, gas and electricity to your home
• Roof Replacement: Additional coverage ensuring your roof gets fully covered if replacement becomes necessary
• Flood Insurance: Separate policy protecting your house and contents from flood damage with its own deductible
• Earthquake: Provides coverage for earthquake damage with a separate deductible
• Valuables Plus: Additional coverage for high-value items like jewelry, watches, antiques and fine art beyond standard limits
• Umbrella Insurance: Extended liability coverage for medical expenses and legal fees if accidents occur on your property
• Identity Theft: Helps keep personal data secure amid growing cybercrime risks