The Best Homeowners Insurance in Texas

The Best Homeowners Insurance in Texas


The Best Homeowners Insurance in Texas

 

If you’re looking to buy homeowners insurance from a well-rated national brand, consider one of these insurers from Loancalculator's list of the Best Homeowners Insurance Companies.

 

Company

Average annual rate

Chubb

$2,082

Amica

$4,155

Nationwide

$4,919

USAA*

$2,615

*USAA homeowners policies are available only to active military, veterans and their families.

                                                                                                              

                                                  

More about the best home insurance companies in Texas


Chubb: Chubb homeowners insurance policies come with lots of extras. For example, they’ll cover water damage from backed-up sewers and drains, and pay to bring your home up to the latest building codes during reconstruction after a claim. (Many insurers charge more for these types of coverage.)

 

Chubb offers policyholders a free HomeScan service, which uses infrared technology to check your house for potential problems such as leaks or lack of insulation. Texas homeowners can also sign up for complimentary Wildfire Defense Services. These services include an assessment of your home’s risk and deployment of firefighters to your home if a wildfire is approaching.

 

High net worth homeowners will appreciate Chubb’s lofty coverage limits, including personal liability coverage up to $50 million.

 

Learn more with our Chubb homeowners insurance review.

 

Amica: Rhode Island-based Amica stands out for its customer service and broad range of coverage options. The company has drawn significantly fewer consumer complaints to state regulators than expected for an insurer of its size, according to the National Association of Insurance Commissioners, or NAIC.

 

You can customize your policy with extra coverage above your dwelling limit, in case your house costs more to rebuild than expected. You may also want to add coverage for identity theft expenses or valuable items such as jewelry.

 

Amica offers several homeowners insurance discounts. You may be able to save by bundling your home and auto policies, having a newer roof and setting up autopay on your policy.

 

Get more information in our Amica homeowners insurance review.


Nationwide: This company may not be your cheapest option in Texas, on average, but you might still want to consider it if you’re looking for an insurer with broad coverage and a robust online presence.

 

Nationwide’s standard homeowners policies include “ordinance or law” coverage, which pays to bring your home up to the latest building codes after a covered claim. They also include coverage for unauthorized credit or debit transactions. For an extra cost, you can add coverage for things like water backup, identity theft and stronger materials to replace your roof.

 

The Nationwide website offers plenty of ways to manage your policy, including filing and tracking claims, paying bills and getting quotes. It’s also got educational articles on a variety of insurance topics.

 

Learn more with our Nationwide homeowners insurance review.

 

USAA: USAA serves the military community, including active members, veterans and their families. If you fall into one of these categories, you may want to give USAA home insurance policies a look.

 

Standard USAA homeowners policies include replacement cost coverage for your personal belongings. That means if your stuff is stolen or destroyed, the company will pay enough for you to buy brand-new replacements. (Many companies pay less for older, less valuable items.) USAA also covers military uniforms with no deductible for active or deployed members.

 

Beyond coverage, USAA generally keeps its policyholders happy. The company drew significantly fewer complaints to state regulators than expected for an insurer of its size, according to the NAIC.

USAA homeowners insurance review. 

 

Also Read:

Best 6 Health Insurance in Texas

Top 10 Car Insurance in Texas (2022)

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