(800) 253-1482Who Has the Best Homeowners Insurance Rates in Texas?
Summary: The best homeowners insurance will vary from home to home due to personal factors, coverage needs, industry trends, but ultimately, will be from a top rated carrier and offer trusted, affordable coverage. Texas is home to many different home insurance carriers but the only way to know for sure which is the best for you is to shop and compare coverages and rates. Working with an insurance broker can help you pinpoint your options in less time for maximum protection and savings. Estimated Read Time: 6 mins
Table of Contents:
- Who Has the Best Homeowners Insurance Rates in Texas?
- Choosing the Best Auto and Home Insurance Companies for Texans
- The Best Companies Provide Bundles
- Auto and Home Insurance Quotes in Texas for Less
The insurance industry is a huge one. There are approximately 6,000 companies in total, and even when you narrow it down to home insurance brands in Texas, you'll still find quite a lot. Finding clarity through all the noise can feel overwhelming for homeowners. But everyone has the same goal, which is to find the best coverage for the lowest cost. Determining who has the best home insurance in Texas can become much clearer when you know where and how to look.
Who Has the Best Homeowners Insurance Rates in Texas?
If you’re shopping for coverage in Texas, the best homeowners insurance will look different for everyone. Rates are built on risk, and insurers calculate that risk in different ways. Even homeowners living in similar homes may face different rates because there are a lot of variables to consider.
Some factors are in your control, like your credit score or how much coverage you choose. Others depend on outside influences, such as weather patterns, local crime rates, and how many claims are filed in your area. More risk means higher premiums, while less risk can lower costs.
Similarly, each carrier is going to offer great features that may benefit some homeowners better than others. Your best bet is to shop around and compare your specific situation to the coverages available and find the lowest rates in your area.
Comparing the Best Homeowners Insurance Companies in Texas
| Company | Best For | Key Strength |
| Allstate | Bundling & discounts | Wide range of policies with multi-policy savings. |
| American Risk Insurance (ARI) | Niche & regional homes | Texas-focused coverage for harder-to-place risks. |
| Bristol West | Non-standard auto bundles | Works well for households needing both home & high-risk auto. |
| Conifer Insurance | Specialty risks | Tailored options for homes with unique or higher-risk profiles. |
| Encompass Insurance | Comprehensive packages | High-limit, customizable coverage bundled under one policy. |
| Foremost Insurance | Rental & manufactured homes | Known for insuring non-traditional properties. |
| GAINSCO | Budget-conscious auto add-ons | Often paired with low-cost auto; limited home focus. |
| GEICO | Competitive rates | Easy online quotes, strong discounts. |
| Infinity Insurance | Non-standard coverage | Options for homeowners with prior claims or unique risks. |
| Kemper Insurance | Variety of policies | Flexible home and auto insurance options. |
| National General Insurance | Broad availability | Affordable rates with many endorsement choices. |
| National Lloyds | Basic coverage | Provides affordable options for standard Texas homes. |
| Progressive | Flexible coverage | Telematics and broad bundle opportunities. |
| ROAMLY Insurance | Modern, digital-first | Strong for Airbnb/short-term rental properties. |
| Safeco (Liberty Mutual) | Independent agent network | Local service backed by national resources. |
| South & Western | Specialty Texas coverage | Regional company with custom options for local risks. |
| Steadily | Landlord insurance | Tailored coverage for rental property owners. |
| The General | High-risk auto bundles | Serves households needing accessible coverage. |
| Travelers Insurance | Long-standing reliability | Highly rated for financial strength and stability. |
| Texas Windstorm Insurance Association (TWIA) | Coastal wind/hail | State-backed option for homes in high-risk zones. |
| Wellington Insurance | Catastrophe-prone areas | Strong in hail- and storm-prone regions. |
Choosing the Best Auto and Home Insurance Companies for Texans
Finding the best auto and home insurance companies takes time in most cases. You’re going to need to search through a variety of brands imputing your coverage needs over and over then compare those rates among carriers.
Home insurance companies and auto coverage providers are not all the same, however, and besides dealing with coverage and price, you’re going to need reliability.
Though there are systems in place should your home insurance provider leave Texas or go out of business, it still presents a major hassle for homeowners.
During a major loss that affects a large region, you may find that not only do companies have difficulty dealing with the influx of claims, but brands that are not financially strong enough to overcome such situations may go under.
For these reasons and more, it’s critical that homeowners in Texas choose homeowners insurance companies that are highly rated.
Providers are independently assessed by agencies to determine the active financial health of a particular organization.
Better ratings mean that you can be sure that your home insurance provider can pay your claim if needed on time, and in full. Here are the major five rating agencies and their scales that look to assess insurance providers:
- AM Best (A++ to D-).
- Fitch Ratings (AAA to D).
- Kroll Bond Rating Agency (KBRA) (AAA to D).
- Moody’s (Aaa to C).
- S&P Global Ratings (AAA to D).
Your best bet for finding who has the best homeowners insurance in Texas needs to include searching among reliable brands that are ready to serve.
Here at Freedom Insurance Group, we deliver our clients a wealth of insurance products from only the best home insurance companies in the Lone Star State.
Our insurance center partners with more than 25 of the top-rated home insurance brands available to Texans. The Best Companies Provide Bundles
A popular method of saving on your coverage is using insurance bundles to reduce costs and receive a better form of protection.
Bundling is a powerful tool and a method we use often. The best homeowners insurance in Texas can be combined with an auto insurance policy to create affordable protection for your household.
This is just another reason that it pays to work with an insurance agency with your needs in mind rather than a singular brand.
Our agents are here to find you the best possible options and can do so more efficiently thanks to established relationships with brands and more bundles to choose from.
In the end, homeowners in Texas benefit heavily by gaining more options, better prices, and a stronger team around their insurance coverage.
Auto and Home Insurance Quotes in Texas for Less
Finding the best home and auto insurance can be simplified by using an insurance agency that doesn’t work with a singular brand but rather many brands all at once.
The result is a faster, more streamlined experience with extra customer care, the cheapest homeowners insurance on the market, and more coverage options overall.
By working with multiple companies, we put your needs first and can shop among various brands quickly. Our network allows our clients to enjoy more insurance products and better discounts.
Your FIG agent will compare your coverage through our reliable partnerships and provide a no-hassle price that is set to be the best in the market.
We can filter through the noise and work to pinpoint your best protection option built around closing coverage gaps and saving your money in the process.
Our agents work to provide our clients with serious savings. On average, our clients save 40% on their home insurance premiums because of our methods.
Who has the best homeowners insurance in Texas? Ask an agent to find out your best options today or get a free homeowners insurance quote with only a few clicks.
