Top 5 Best Homeowners Insurance Companies In Texas, USA 2023

In this article, we are going to talk about the top 5 homeowners insurance companies in Texas. If you are also searching for homeowners insurance companies for yourself, you can read this article until the end.

Home insurance is called homeowners insurance in ordinary language. Homeowners insurance is done mainly for any of your property or house.

If there is any damage to your home due to any natural calamity or accident, then the insurance company will compensate for the loss. Along with this, companies also provide a lot of coverage.

If you have a house or property, then it is essential to have home insurance to avoid the loss of natural calamities in the future. Below we have listed the 5 best home insurance companies that you can check out.

Average annual premium by carrier

Average annual home insurance premium based on a 40-year-old homeowner with a clean claim history and good credit.

top 5 homeowners insurance companies in texas

Top 5 best homeowners insurance companies in Texas

Home insurance company Average annual premium for $250k dwelling coverage J.D. Power score
Allstate $1,846 829/1,000
Amica Mutual $3,547 853/1,000
Farmers $2,189 814/1,000
State Farm $1,722 829/1,000
USAA $1,198 889/1,000


Allstate is a vast and well-known insurance company providing its best service to people for many years. Apart from home insurance, it provides auto, motorcycle, off-road, renters, and term life insurance services. To keep your property safe, first, choose the coverage and apply for the policy.

This company provides policy cover related to Theft, Fire and smoke, Windstorm or hail, Falling objects, Frozen plumbing, Water damage from plumbing, water heater, appliances, and heating or cooling systems.

For more information visit the official site – Allstate

Amica Mutual

This is a very old and reliable insurance company of America, which started in 1960 and provided its services till date. It’s J.D. It has been appreciated by massive rating platforms like Power, AM Best. It also comes with satisfying individual customer reviews. It is mainly known for its Auto, Home, and Life Insurance.

It is highly preferred for its unique feature dividend policy. Policyholders opting for this option are eligible to get an average return of up to 20% of their annual premium. This is a good home insurance option across the U.S., including Texas.

For more information visit the official site – Amica matual


Farmers is a well-known insurance provider providing its services throughout the United States for the past several years. It exclusively offers home, auto, renter, business, condo and life insurance. It provides three customizable home insurance plans, Standard, Enhanced, and Premier, to its members, which you can customize according to your needs.

You can go with its Declining Deductibles program, which reduces up to $50 of the deductible amount for each year the policy is in force. Also, its Farmers Mobile App makes it easy to manage insurance policy anytime, anywhere.

For more information visit the official site – Farmers

State Farm

State Farm offers its best home insurance as well as many insurance products across the globe. It is primarily known for providing car insurance, motorcycle insurance, life insurance, boat insurance. Policyholders purchasing more than one policy with State Farm can avail the multi-policy discount.

It offers the solution to customize your home insurance plan and the freedom to choose coverage. Also, its full features mobile application makes managing insurance policy much more effortless. This is a good home insurance option across the U.S., including Texas.

For more information visit the official site – State Farm


USAA is a very well-known insurance company throughout the U.S., including Texas. It provides insurance only to active or ex-servicemen members and their families. If you are from a military family, USAA may be an excellent option for you. It offers all types of vehicle, property, health, and life insurance.

You can bundle and save and choose from various coverage options here, just like any other company. Also, you can manage all your insurance policies through the mobile app. USAA provides a specific type of protection to border members such that active duty or deployed service members can be sure that their military uniform is covered.

For more information visit the official site – USAA

Last Word

I believe that you must have got to know a lot from the above 5 homeowners insurance companies in Texas, and now you will be able to choose a good home insurance company for yourself. If yes, then definitely share it with all your friends and relatives.

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