Compare the best homeowners insurance companies and rates in Texas for 2026. Find affordable coverage for your home, personal property, and liability protection.
Homeowners insurance in Texas averages $2,700 per year, with the median home valued at $300,000. Texas has higher-than-average home insurance costs, making it especially important to compare quotes. Your specific premium will depend on your home's age, construction, location, and claims history.
Key factors to evaluate when comparing home insurance in texas options:
Get a replacement cost estimate for your home rather than relying on market value. Rebuilding costs are often different from purchase price.
Document your belongings with photos and a home inventory to streamline the claims process if disaster strikes.
Install security systems, smoke detectors, and impact-resistant roofing to qualify for premium discounts of 5% to 20%.
Review your policy annually to ensure coverage keeps pace with home improvements and rising construction costs.
Consider an umbrella policy if your net worth exceeds your homeowners liability limits for additional protection.
Use these free tools to crunch the numbers for your specific situation in Texas:
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