Best Homeowners Insurance in Texas (2026)

State Farm is our top pick for most Texas homeowners. It charges $4,457 yearly, 35% below the state average of $6,854. Texas home insurance premiums run high. State Farm keeps costs down. It beats the industry average in the J.D. Power 2025 U.S. Home Insurance Study. Local agents give you in-person help during claims. This matters after hurricane or hail damage.

Add endorsements for Texas-specific risks. Water backup coverage handles storm flooding. Service line protection covers underground utilities. Umbrella insurance raises liability limits. State Farm delivers quality coverage at prices Texas homeowners can afford.

State Farm charges $4,457 annually, 35% below the state average of $6,854. Good credit gets you even cheaper rates at $1,991 yearly.

State Farm stacks discounts well. Bundle home and auto for the cheapest combo at $2,559 yearly. The 25% discount saves you $847 versus other providers. Seniors get extra discounts too.

State Farm scored 657 out of 1,000 in J.D. Power's 2025 U.S. Home Insurance Study, beating the industry average. Customers like the local agent network for face-to-face help when filing claims. Simple claims close fast. Complicated ones drag on per customer reviews.

Digital tools lag. The mobile app covers viewing policies and making payments. It can't track claims well. You'll call your agent for policy changes or claim details. Local agents respond quickly though. Above-average satisfaction scores show State Farm works for homeowners who want personal relationships over slick technology.

State Farm customizes coverage through endorsements and separate policies:

• Flood Insurance: Separate policy for flood damage (standard policies exclude floods)
• Earthquake Insurance: Optional endorsement or separate policy for earthquake damage
• Water Backup/Sewer Backup: Pays for water damage from sewers or drains backing up
• Service Line Coverage: Fixes or replaces underground utility lines to your home
• Personal Articles Policy: Separate policy for jewelry, electronics and firearms beyond standard limits
• Identity Fraud Protection: Pays costs to restore your identity if stolen
• Umbrella Insurance: Higher liability limits beyond your home policy
• Full Replacement Cost Coverage: Replaces damaged home and contents at current cost, not depreciated value
• Home Systems Protection: Extra 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 pick. It has the lowest premiums among top-rated insurers with exceptional customer service. USAA charges $4,243 yearly, 38% below Texas's $6,854 average. Military families save big. USAA's J.D. Power score of 737 out of 1,000 beats all insurers. It's not formally ranked because only military members, veterans and their families can join.

USAA leads in digital experience and claims. Military-focused benefits beat competitors. The mobile app and online portal handle policy management, claim tracking and coverage adjustments. No need to contact an agent. Stack discounts through bundling, protective devices, connected home technology and loyalty rewards. USAA knows deployment challenges. It adjusts coverage during relocations and deployments for military families.

USAA charges $4,243 yearly, 38% below the state average of $6,854. It's one of the cheapest for military families who qualify. Stack discounts to cut your premium more. Bundle home and auto to save 10%. Add a monitored security system for another 5% off. Five years claims-free? Save up to 15%. Military families get comprehensive coverage at rates other insurers can't compete with. USAA's low premiums drop even lower.

USAA scored 737 out of 1,000 in J.D. Power's 2025 U.S. Home Insurance Study. That's the highest among all insurers. It's not formally ranked because of eligibility restrictions. Military families love how USAA handles deployment challenges, adjusts coverage during relocations and responds to claims. Claims close efficiently whether simple or complicated. Support teams know military life and coverage needs during overseas assignments.

USAA's digital tools set the industry standard. The mobile app does everything: file claims with photo uploads, adjust coverage limits, request policy documents. Chat with reps, track claim status in real-time, access coverage details 24/7. No phone calls needed. Cutting-edge technology plus military-focused service make USAA the clear pick for eligible families. Civilians need to shop elsewhere.

USAA sells specialized endorsements for Texas risks and military family needs. Standard policies cover dwelling, personal property and liability. Add-ons boost coverage for electronics, earthquake damage and water incidents.

• Home Protector: Adds 25% more toward dwelling and other structures coverage when building costs jump after a covered loss
• Water Backup: Pays for damage from water or sewage backing up through plumbing, plus sump pump overflow
• Earthquake: Pays for home and belongings damaged by earthquakes, shock waves or tremors
• Technology Coverage Endorsement: Boosts protection for computers, tablets, mobile phones, wearable tech, gaming systems and TVs beyond standard limits
• Personal Injury: Pays for accusations of libel, slander, defamation or other reputation damage

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 earned our Best Customer Experience award in our 2025 review for exceptional service and coverage. Chubb ranked second in the J.D. Power 2025 Home Insurance Study for superior customer care. Chubb sends experts to your home for free appraisals. They check hurricane preparedness for coastal Texas homes and wildfire risks for Hill Country properties. They give security advice too.

Chubb's A++ AM Best rating proves outstanding financial stability. Texas homeowners trust their hurricane or hail damage claims get paid fast. Chubb beats standard coverage with HomeScan technology. It spots hidden problems before they wreck your home. Comprehensive replacement cost coverage rebuilds your home exactly as it was. Chubb charges $9,358 yearly, 37% above Texas's $6,854 average. White-glove service, extended replacement cost and unique benefits justify the premium for homeowners wanting superior protection and personalized attention over bare-bones coverage.

Chubb charges $9,358 yearly for Texas homeowners, 37% above the state average of $6,854. You're paying for comprehensive coverage and superior service. This includes features other insurers don't have or charge extra for: free home appraisals, HomeScan technology and extended replacement cost coverage that rebuilds your home exactly as it was even when costs blow past 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. It held the top spot in 2024. Risk consultants visit your home for free appraisals. They check hurricane preparedness for coastal Texas properties and wildfire risks for Hill Country homes. They give security and fire prevention advice. During claims, Chubb finds you comfortable temporary housing. They'll even find homes in your school district when possible. This helps Texas families kicked out by hurricanes or severe storms.

Chubb's A++ AM Best rating proves strong financial stability and fast claims payments. This matters for Texas homeowners hit by costly hurricane or hail damage. White-glove service includes HomeScan technology. It uses infrared detection to spot hidden problems like water leaks or electrical issues before damage hits. Texas homeowners like Chubb's flexibility during claims. Take a cash settlement instead of rebuilding after total losses. Premium service justifies Chubb's higher costs for homeowners wanting exceptional experience and comprehensive coverage.

Chubb has comprehensive coverage with unique features for Texas risks and high-value homes. Extended replacement cost and innovative technology separate it from standard insurers.

• Extended Replacement Cost: Pays full rebuilding costs even when they blow past policy limits, including building code upgrades required after Texas storms
• Cash Settlement Option: Take cash instead of rebuilding after total loss
• Replacement Cost Coverage: Replaces custom details like upgraded appliances, cabinets and flooring with exact or latest models
• HomeScan Technology: Uses infrared detection to spot hidden problems like leaks or electrical issues before damage hits
• Risk Consulting: Free home appraisals and security consultations from trained specialists who check Texas-specific risks like hurricane exposure and foundation problems
• Temporary Living Assistance: Helps find comfortable places to stay during repairs, including homes in your school district
• Comprehensive Extras: Pays for tree removal after Texas storms and lock replacement

Nationwide earned our Best Coverage Options award for its wide variety of endorsements addressing Texas homeowner needs. Dwelling replacement cost coverage pays up to twice your dwelling limit if rebuilding costs blow past your policy after a covered loss. This protects you given Texas's wild construction costs and severe weather risks. Nationwide's J.D. Power score of 641 out of 1,000 matches the industry average. Solid but unexceptional customer satisfaction compared to leaders like USAA and Chubb.

Nationwide wins on customization, not 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. Valuables Plus coverage protects high-value items like jewelry and art beyond standard limits. Umbrella insurance boosts liability protection. Nationwide works for homeowners wanting comprehensive coverage options who don't mind paying slightly above-average premiums for flexibility.

Nationwide charges $7,306 yearly, 7% above the state average of $6,854. You're paying for extensive coverage options and an established national presence. Budget-conscious homeowners can find cheaper options 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. Simple claims close fast. Complicated cases involving multiple perils or extensive damage need more follow-up. Nationwide's local agents provide personalized service in major Texas cities. Rural areas have fewer agents. Phone and online support become your main contact methods there.

Nationwide sells extensive endorsements and separate policies for Texas risks and high-value property. Dwelling replacement cost coverage and equipment breakdown protection stand out among competitors.

• Dwelling Replacement Cost: Pays up to two times your dwelling coverage if rebuilding costs blow past your policy after a covered loss
• Water Backup: Pays for damage from water backing up through sewers, drains or sump pump overflow
• Equipment Breakdown Coverage: Fixes or replaces electrical, mechanical or pressure system breakdowns in appliances
• Service Line: Pays for damage to exterior, underground service lines bringing water, gas and electricity to your home
• Roof Replacement: Extra coverage so 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: Separate policy for earthquake damage with its own deductible
• Valuables Plus: Extra 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 happen on your property
• Identity Theft: Keeps personal data secure amid growing cybercrime risks