The saying "everything's bigger in Texas" doesn't just apply to a plot of land or a rib-eye steak. It turns out it's true for homeowners insurance, too.

The average cost of home insurance in Texas is $3,875 per year, or about $323 per month, according to a NerdWallet rate analysis. Texas is the second most expensive state for homeowners insurance in the U.S., trailing only Oklahoma.

NerdWallet analyzed rates from insurers across the state to find the best home insurance in Texas.

Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

Why you can trust NerdWallet
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 NerdWallet’s list of the Best Homeowners Insurance Companies.

Company

NerdWallet star rating

Average annual rate

Chubb

5.0NerdWallet rating 
$2,250 

State Farm

5.0NerdWallet rating 
$3,125 

Farmers

5.0NerdWallet rating 
$3,680 

Amica

4.5NerdWallet rating 
$4,565 

Nationwide

4.5NerdWallet rating 
$4,685 

USAA*

5.0NerdWallet rating 
$2,700 

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

More about the best home insurance companies in Texas
See more details about each company to help you decide which one is best for you.

insurance-product-card-logo
Chubb
5.0

NerdWallet rating 
Perks and high coverage limits for affluent homeowners.

OVERVIEW

PROS & CONS

WHY WE PICKED IT
Coverage options
About average
Discounts
Great set of discounts
NAIC complaints
Far fewer than expected
Chubb serves mostly affluent policyholders with high-value homes, offering lofty coverage limits and lots of perks. For example, the company covers water damage from backed-up sewers and drains, and pays to bring your home up to the latest building codes during reconstruction after a claim. (Many insurers charge more for these types of coverage.)

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.

Learn more with our Chubb homeowners insurance review.

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State Farm
5.0

NerdWallet rating 
Well-established insurer with a lengthy list of coverage options.

OVERVIEW

PROS & CONS

WHY WE PICKED IT
Coverage options
More than average
Discounts
Average set of discounts
NAIC complaints
Fewer than expected
As America’s largest insurer, State Farm stands out for its long list of coverage options. Its policies generally include extra dwelling coverage in case it costs more than expected to rebuild your home after a covered disaster. You may also be able to add coverage for things like utility lines, damage from backed-up drains and the breakdown of major appliances.

State Farm offers a free Ting device as a perk for home insurance policyholders. Ting is a smart plug that monitors your home’s electrical network to help prevent fires. 

Learn more with our State Farm home insurance review.

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Farmers
5.0

NerdWallet rating 
Those seeking benefits like diminishing deductibles and claims forgiveness may want to consider Farmers.

OVERVIEW

PROS & CONS

WHY WE PICKED IT
Coverage options
More than average
Discounts
Average set of discounts
NAIC complaints
Fewer than expected
Homeowners policies from Farmers may include two valuable types of insurance: extended dwelling and replacement cost coverage. Extended dwelling coverage gives you extra insurance for the structure of your house, while replacement cost coverage offers higher reimbursement for stolen or destroyed belongings.

Some Farmers policies also come with perks that can save you money. For example, with Declining Deductibles you can get a $50 credit toward your deductible for each year you renew your policy. And with claim forgiveness, Farmers won’t raise your rate for a claim as long as you haven’t filed one within the past five years.

Check out our Farmers home insurance review for more details.

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Amica
4.5

NerdWallet rating 
Well-established insurer known for great customer service.

OVERVIEW

PROS & CONS

WHY WE PICKED IT
Coverage options
About average
Discounts
Average set of discounts
NAIC complaints
Far fewer than expected
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 damage from water backups or recovery from identity theft.

Get more information in our Amica homeowners insurance review.

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Nationwide
4.5

NerdWallet rating 
For shoppers seeking a broad range of coverage options, Nationwide may fit the bill.

OVERVIEW

PROS & CONS

WHY WE PICKED IT
Coverage options
More than average
Discounts
Great set of discounts
NAIC complaints
Close to expected
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.

Learn more with our Nationwide homeowners insurance review.

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USAA
5.0

NerdWallet rating 
Offers perks and affordable rates for the military community.

OVERVIEW

PROS & CONS

WHY WE PICKED IT
Coverage options
Below average
Discounts
Average set of discounts
NAIC complaints
Far fewer than expected
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.

Get more info in our USAA homeowners insurance review.

How much does homeowners insurance cost in Texas?
The average annual cost of home insurance in Texas is $3,875. That’s 113% more than the national average of $1,820.

In most U.S. states, including Texas, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score. 

In Texas, those with poor credit pay an average of $6,855 per year for homeowners insurance, according to NerdWallet’s rate analysis. That's 77% more than those with good credit.

» MORE: What’s the average cost of homeowners insurance?

Average cost of homeowners insurance in Texas by city
How much you pay for home insurance depends on where in the state you live. For example, the average cost of homeowners insurance in Houston is $4,595 per year, while homeowners in Dallas pay $4,255 per year, on average. Meanwhile, home insurance is much cheaper in El Paso at just $2,250 per year, on average.

City

Average annual rate

Average monthly rate

Amarillo

$4,935

$411

Arlington

$4,525

$377

Austin

$2,580

$215

Brownsville

$3,045

$254

Conroe

$3,795

$316

Corpus Christi

$4,260

$355

Cypress

$4,400

$367

Dallas

$4,255

$355

El Paso

$2,250

$188

Fort Worth

$4,535

$378

Frisco

$4,220

$352

Garland

$4,295

$358

Grand Prairie

$4,675

$390

Houston

$4,595

$383

Irving

$4,595

$383

Katy

$4,635

$386

Laredo

$2,905

$242

Lubbock

$4,395

$366

McKinney

$4,060

$338

Mission

$3,720

$310

Plano

$4,010

$334

Richmond

$5,175

$431

Round Rock

$2,520

$210

San Antonio

$2,900

$242

Spring

$4,060

$338

The cheapest home insurance in Texas
Texans have plenty of home insurance companies to choose from. Below are the insurers we found with average annual rates below the Texas average of $3,875.

Company

NerdWallet star rating

Average annual rate

Chubb

5.0NerdWallet rating 
$2,250 

Texas Farm Bureau

4.0NerdWallet rating 
$2,370 

State Farm

5.0NerdWallet rating 
$3,125 

Farmers

5.0NerdWallet rating 
$3,680 

USAA*

5.0NerdWallet rating 
$2,700 

*USAA homeowners insurance is available only to active military, veterans and their families.

What to know about Texas homeowners insurance
Homeowners in Texas should be aware of several different types of severe weather that could put their homes at risk.

Hurricanes
Texas' long coastline means it's vulnerable to hurricanes, with the second-highest number of landfalls in the U.S., behind only Florida. Homeowners insurance typically covers damage caused by wind, but in Texas you may pay a separate insurance deductible for any wind or hail damage.

Depending on where you live, your insurer may decline to provide windstorm coverage as part of your homeowners insurance policy. Should that happen, you can purchase separate windstorm insurance. If a private insurer rejects you, you can usually get coverage from the Texas Windstorm Insurance Association as long as you live in a designated coastal county.

Hurricanes can also cause flood damage, which a standard homeowners insurance policy won’t cover. To check your flood risk, put your address into the Federal Emergency Management Agency's flood maps or visit RiskFactor.com, a website from the nonprofit First Street Foundation. 

Learn more about flood insurance and how to buy it.

» MORE: Complete guide to hurricane insurance

Hail
Hailstorms can wreak havoc on roofs, but fortunately for homeowners, a typical home insurance policy will pay for hail damage. It's a good thing, too: Texas easily leads the U.S. in hail-related insurance claims.

As noted above, some Texas policyholders may not be able to get wind and hail coverage with their homeowners insurance, depending on where they live. In these cases, the Texas Windstorm Insurance Association may be able to help.

When the time comes to replace your roof, you may want to consider choosing impact-resistant materials that are less likely to be damaged by hail. In addition to preventing damage, this could also earn you a discount from your insurer.

Tornadoes
Texas' unique geography makes it especially prone to tornadoes. A standard homeowners insurance policy covers damage from a tornado, along with any additional living expenses you might have if you're temporarily displaced from home because of tornado damage.

But as with hurricanes and hail, you may need extra insurance to cover tornado damage if your homeowners insurance doesn’t cover windstorms in your area.

Wildfires
Texas experiences thousands of wildfires each year. A standard home insurance policy will cover wildfire damage and pay for you to live elsewhere if you’re unable to stay in your own house during repairs.

» MORE: Insurance for wildfires: What to know

Texas Department of Insurance
Got a complaint about your insurer or a question about your policy? Turn to the Texas Department of Insurance, which oversees the state’s insurance industry. You can call the department at 800-252-3439.

Your insurance company is required to give you a copy of the TDI’s Consumer Bill of Rights when it issues you a homeowners policy. Among other things, this document explains how the claims process works and under which circumstances an insurer can cancel your policy.