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Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent. Amy Sims is a managing editor for Bankrate, leading a team responsible for creating educational insurance content. Steve Ellis, CPCU, AIC, MBA, is a 30 year veteran of the insurance industry. His experience extends into training, operations, quality improvement, audit, compliance, claims technology, and data & analytics. Updated Nov 07, 2022 Find your perfect provider
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Collapse Caret Up The average annual cost of Texas homeowners insurance is $1,860 for $250,000 in dwelling coverage, or about $155 per month, much higher than the national average of $1,383 per year for the same coverage. And while the price is an important consideration, Bankrate knows there's more to a home insurance policy than just the cost. Our insurance editorial team, which includes four licensed agents with a combined 47 years of industry experience, conducted extensive research into the Texas home insurance market. To help you find the best policy, Bankrate analyzed premium data from Quadrant Information Services for dozens of Texas homeowners insurance companies. Weighing the average rates, along with information about customer service rankings, financial strength ratings, and policy options may help you find the best Texas homeowners insurance for your needs. Collapse On This Page
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Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We've maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we're putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most - price, customer service, policy features and savings opportunities - so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we're putting accuracy first. On This Page
The average annual cost of Texas homeowners insurance is $1,860 for $250,000 in dwelling coverage, or about $155 per month, much higher than the national average of $1,383 per year for the same coverage. And while the price is an important consideration, Bankrate knows there's more to a home insurance policy than just the cost. Our insurance editorial team, which includes four licensed agents with a combined 47 years of industry experience, conducted extensive research into the Texas home insurance market. To help you find the best policy, Bankrate analyzed premium data from Quadrant Information Services for dozens of Texas homeowners insurance companies. Weighing the average rates, along with information about customer service rankings, financial strength ratings, and policy options may help you find the best Texas homeowners insurance for your needs. See more This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage Leaving so soon Your custom quotes are just minutes away
Return to form The average annual cost of Texas homeowners insurance is $1,860 for $250,000 in dwelling coverage, or about $155 per month, much higher than the national average of $1,383 per year for the same coverage. And while the price is an important consideration, Bankrate knows there's more to a home insurance policy than just the cost. Our insurance editorial team, which includes four licensed agents with a combined 47 years of industry experience, conducted extensive research into the Texas home insurance market. To help you find the best policy, Bankrate analyzed premium data from Quadrant Information Services for dozens of Texas homeowners insurance companies. Weighing the average rates, along with information about customer service rankings, financial strength ratings, and policy options may help you find the best Texas homeowners insurance for your needs. See more This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage Leaving so soon Your custom quotes are just minutes away
Return to form The average annual cost of Texas homeowners insurance is $1,860 for $250,000 in dwelling coverage, or about $155 per month, much higher than the national average of $1,383 per year for the same coverage. And while the price is an important consideration, Bankrate knows there's more to a home insurance policy than just the cost. Our insurance editorial team, which includes four licensed agents with a combined 47 years of industry experience, conducted extensive research into the Texas home insurance market. To help you find the best policy, Bankrate analyzed premium data from Quadrant Information Services for dozens of Texas homeowners insurance companies. Weighing the average rates, along with information about customer service rankings, financial strength ratings, and policy options may help you find the best Texas homeowners insurance for your needs. See more This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage Leaving so soon Your custom quotes are just minutes away
Return to form Compare rates and save on home insurance today! Get quotes Close X How Bankrate chose the best homeowners insurance in Texas
To find the in Texas, Bankrate first analyzed average homeowners insurance premiums obtained from Quadrant Information Services for the largest insurance providers in the state by market share. However, because the price is only one feature of a home insurance policy, we reviewed each company's coverage offerings, discounts, customer satisfaction scores, complaint indexes, financial strength ratings and digital tools. We combined each of these metrics into our proprietary Bankrate Score model. The Scores are on a scale from 0.0 to 5.0, with higher scores indicating that a company scored more highly within the individual metrics. Our methodology was specifically created to help you gain a well-rounded view of each company.
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits: Coverage A, Dwelling: $250,000 Coverage B, Other Structures: $25,000 Coverage C, Personal Property: $125,000 Coverage D, Loss of Use: $50,000 Coverage E, Liability: $300,000 Coverage F, Medical Payments: $1,000 The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).These are sample rates and should be used for comparative purposes only. Your quotes will differ.
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to an analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for homeowners to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support. To determine how well the best home insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moody's had the most impact on the companies' Bankrate Scores. As price is a common consideration for homeowners, we analyzed quoted premiums based on 40-year-old male and female homeowners with a home policy with $250,000 in dwelling coverage. This profile, assessed across nearly 35,000 ZIP codes in the U.S., provided a basis on which homeowners may compare each provider. While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer's online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores. Best home insurance companies in Texas
Our research shows that some of the best homeowners insurance in Texas include USAA, State Farm, Nationwide, Allstate and Farmers. These companies showcase a mix of low rates, high , strong financial strength ratings, robust coverage offerings and substantial discounts. When shopping for the best homeowners insurance, Texas property owners may want to consider getting quotes from these carriers. Insurance company J.D. Power AM Best Average monthly premium Average annual premium Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power 884 /1,000 AM Best A++ (Superior) Average monthly premium $119 Average annual premium $1,425 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power 829 /1,000 AM Best A++ (Superior) Average monthly premium $131 Average annual premium $1,572 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power 816 /1,000 AM Best A+ (Superior) Average monthly premium $115 Average annual premium $1,379 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power 815 /1,000 AM Best A+ (Superior) Average monthly premium $191 Average annual premium $2,296 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power 792 /1,000 AM Best A- (Excellent) Average monthly premium $120 Average annual premium $1,443 Powered by Coverage.com (NPN: 19966249) This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. *Premiums are for $250K in dwelling coverage **Not officially ranked by J.D. Power due to eligibility restrictions This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage Leaving so soon Your custom quotes are just minutes away
Return to form Key takeaways North Carolina homeowners pay an average of $1,317 per year for a policy with $250,000 in dwelling coverage. North Carolina Farm Bureau and Travelers offer some of the cheapest average rates in the state. You may want to consider the specific types of common damage in your area when shopping for North Carolina home insurance. J.D. Power: AM Best: ++ Avg. annual premium for 250k dwelling $ Company overview USAA only sells insurance to active or former military members and eligible families. If you are eligible, USAA may be a great option. Like many other insurance providers, you can choose from a variety of coverage options and manage your policy in the USAA mobile app. USAA offers unique protections to service members. For example, active-duty or deployed service members can rest assured that their military uniforms are covered. Pros and cons CheckmarkPros Low average premiums Superior AM Best financial strength rating Military-focused coverage options available Close XCons Only available to military-affiliated customers Fewer discounts than some other competitors Average annual premium by city Texas city USAA avg. annual premium for $250K dwelling Austin $1,148 Dallas $1,607 Fort Worth $1,604 Houston $2,436 San Antonio $1,152 J.D. Power: AM Best: ++ Avg. annual premium for 250k dwelling $ Company overview State Farm is a national insurance provider with a large network of local Texas agents. The provider also offers multiple insurance products along with homeowners insurance. For example, you can get auto insurance, motorcycle insurance, life insurance and boat insurance. Policyholders with more than one State Farm policy type may save with a multi-policy discount. If you want a company that offers discounts and convenient ways to access your account either online or via a mobile app, State Farm may be a good choice. Pros and cons CheckmarkPros Local agencies available Several types of insurance offered High third-party ratings Close XCons Fewer discounts than most competitors Higher-than-average overall NAIC complaint index Average annual premium by city Texas city State Farm avg. annual premium for $250K dwelling Austin $1,072 Dallas $1,805 Fort Worth $1,858 Houston $1,160 San Antonio $1,119 J.D. Power: AM Best: + Avg. annual premium for 250k dwelling $ Company overview Nationwide makes it easy to personalize your policy to your specific needs. With options like Valuables Plus, Replacement Cost Plus and Better Roof Replacement, Nationwide may help your insurance coverage go further during a claim. The carrier also offers a list of discounts and sells several other types of insurance. If you like bundling your policies with one company, Nationwide also offers auto, motorcycle, classic car and RV insurance, among other products. Pros and cons CheckmarkPros Numerous coverage options Several discounts Lower-than-average premium Close XCons Higher-than-average overall NAIC complaint index AM Best financial strength is lower than some competitors Lower-than-average J.D. Power customer satisfaction score Average annual premium by city Texas city Nationwide avg. annual premium for $250K dwelling Austin $1,019 Dallas $1,856 Fort Worth $1,982 Houston $885 San Antonio $1,135 J.D. Power: AM Best: + Avg. annual premium for 250k dwelling $ Company overview Allstate offers numerous coverage options and a variety of ways to save on your premium. One of Allstate's most unique features is its online presence. The carrier offers a variety of tools and free resources on its webpage for both members and non-members. Shoppers can learn more about Allstate's insurance products and learn how to make the most of their policies. Pros and cons CheckmarkPros Numerous digital tools available Several discounts offered Numerous coverage options Close XCons Higher-than-average premiums AM Best rating is lower than some competitors J.D. Power customer satisfaction is below average Average annual premium by city Texas city Allstate avg. annual premium for $250K dwelling Austin $1,827 Dallas $2,467 Fort Worth $2,711 Houston $2,130 San Antonio $1,940 J.D. Power: AM Best: - Avg. annual premium for 250k dwelling $ Company overview Farmers offers home, auto, renters, business, condo and life insurance. The homeowners insurance company offers three customizable plans to choose from: Standard, Enhanced and Premier. Farmers also offers unique features to help customize your policy. You can enroll in the Declining Deductibles program, which may lower your deductible each year that your policy is active. You may also want to consider the cosmetic damages option or claim forgiveness. Pros and cons CheckmarkPros Three customizable coverage levels make personalizing policies easy Long list of discounts Declining Deductibles available Close XCons Lowest AM Best rating on our list J.D. Power customer satisfaction score is well below average Fewer endorsements than some competitors Average annual premium by city Texas city Farmers avg. annual premium for $250K dwelling Austin $944 Dallas $1,173 Fort Worth $1,231 Houston $2,778 San Antonio $1,028 How much is homeowners insurance in Texas
Texas residents pay an average of $1,860 for $250,000 in dwelling coverage when it comes to home insurance. In Texas, homeowners insurance premiums are higher than in other states possibly due to the increased number of natural disasters. Insurance premiums are largely based on risk, and if an area has a greater likelihood of homes being damaged, the premiums are generally higher so that insurance companies can prepare for a potential claims payout. Texas homeowners pay 34 percent more than the national annual average cost of home insurance, which is $1,383 per year. This higher premium average could be due to the environmental hazards and geographic location, making claims more frequent. Average home insurance cost in Texas
The average annual homeowners insurance premium based on a 40-year-old homeowners with a clean claim history and good credit.
Texas city Average annual premium* $1,320 Dallas $2,181 $2,291 $1,991 $1,464 *Rates reflect $250,000 in dwelling coverage Bankrate insight Texas homeowners insurance costs an average of 34 percent more than the national average based on 2022 data. Texas experiences hurricanes, strong summer storms, hail and tornadoes, so the best companies include those with outstanding claims experience. Home insurance in Texas
When buying a home insurance policy, it can be helpful to understand what kinds of damage are common in your area. That way, you can craft your coverage to fit the unique needs of your location. Common causes of loss in Texas
In Texas, some claims are more common than others. Home damage caused by nature is a common occurrence and is one of the reasons why you should strongly consider buying home insurance. Common claims include: Hurricanes: Hurricanes represent one of the most significant sources of claim costs in certain areas of Texas. As the (NOAA) notes, "It is estimated that Hurricane Harvey alone had total costs of $125 billion." Wind: In addition to high winds from hurricanes along the coast, most of Texas also experiences high wind from summer storms and tornadoes. Fire: According to the Insurance Information Institute (Triple-I), Texas presents the , with over 717,000 properties at risk for damage. Flooding: According to the Federal Emergency Management Agency (FEMA), only a handful of Texas counties are at low-to-moderate risk of flooding. Most counties in the state have a for flood damage. Home insurance coverage options in Texas
In addition to the , Texas homeowners may want to consider some additional endorsements and even separate policies to gain more coverage: : If you live in or near a flood-prone area, you may want to consider buying a separate flood insurance policy to help repair damages if your home floods. You may be required to in some cases. Understanding your flood insurance requirements prior to moving could help you make informed decisions. : If you live near the coast or in another wind-prone area, your policy might exclude wind coverage due to the increased risk of related damage to your home. In cases where you cannot get coverage through your insurance company, the Texas Windstorm Insurance Association (TWIA) can help provide coverage. : This endorsement may cover damage from slow leaks or seepage from cracks. Additionally, insurance experts have noted a recent trend in Texas where insurance companies offer "ACV only" settlement clauses for wind and hail damage. ACV stands for , which means the market value of the item minus depreciation. While an ACV clause or policy will be less expensive than (RCV), it will also mean lower coverage for whatever items are covered under that clause or policy. Check for for roof damage caused by hail and consider purchasing additional coverage if needed. The state of Texas also has separate deductibles for certain losses. In this state, natural disasters, like hurricanes, wind and named storms, may have a separate deductible from your policy deductible. This is usually a percentage deductible of your dwelling coverage amount - typically between 1 and 5 percent. For example, if your home is insured with $250,000 in dwelling coverage and you have a 2 percent wind deductible, you are responsible for the first $5,000 of a wind damage claim before the insurer will pay toward the damage. If you have any questions about a policy, talking to an insurance agent may be a good idea. A licensed insurance professional can review your policy and help identify areas where you may need to purchase separate coverage or adjust your current coverage. Frequently asked questions
The cheapest insurance in Texas depends on a number of factors, including the value of your home, the area you live in, what type of home you live in and what type of coverage you select. Your deductibles and coverage limits will make up a portion of the cost. Getting quotes from several carriers might help you find the lowest-priced policy, but keep in mind that price isn't everything. The level of service, financial stability and types of coverage a company offers are also important. If you're wondering where to start, you may want to start by getting quotes from USAA, State Farm, Nationwide and Farmers, which all have lower-than-average premiums in Texas, according to Bankrate's research.
If you need to get homeowners insurance in Texas, you have a few different options for purchasing a policy. You may be able to get one by visiting a licensed insurance agent in person, or you may be able to obtain one online or over the phone. Whatever method you choose, it can be helpful to get several from different carriers so you can find the best company with the best rates on the coverage you need. After finding the right policy, you can apply for coverage. The coverage will typically be active once you make at least the first month's payment on your policy.
The best home insurance company depends on your individual needs and preferences. Knowing what factors matter most to you in a homeowners insurance company could help you to narrow down your options. Are you most concerned with price? You may want to research average premiums. Does financial stability matter to you? You may want to pay special attention to S&P and AM Best scores. What about customer reviews? If you care about getting great service, you may want to look at J.D. Power scores. If you are unsure where to start, a licensed insurance agent or financial advisor may be able to help you find the right policy for you.
Texas home insurance is expensive due to a variety of factors. First, Texas is at high risk of numerous types of natural disasters, including hurricanes, windstorms, fires and flooding. These disasters can be costly, which drives up the cost of homeowners insurance for all homeowners. But there are also other factors that are used to help determine how much you pay for home insurance. The size of your home, the coverage amounts you need, the types of coverage and the deductible you choose can also impact how much homeowners insurance in Texas.
If you can't find a company willing to insure you in Texas, you may still have options. The Texas FAIR Plan Association provides coverage to Texas homeowners who have already been turned down by at least two insurance companies that are licensed to sell insurance in Texas. You can get more information by calling the Texas FAIR Plan Association at 800-979-6440 or by visiting the website at www.texasfairplan.org. Learn more
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Written by Cate Deventer Insurance Writer & Editor Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent. Amy Sims is a managing editor for Bankrate, leading a team responsible for creating educational insurance content. Steve Ellis, CPCU, AIC, MBA, is a 30 year veteran of the insurance industry. His experience extends into training, operations, quality improvement, audit, compliance, claims technology, and data & analytics.