Once you’ve decided you want a homeowners insurance policy, you have to do some research. There are many home insurance companies that serve Houston, but they can differ in terms of factors like coverage, cost, and customer service quality. In this guide, we examine the top providers in the area so you can find the one that’s right for you.
Houston’s Top 4 Homeowners Insurance Companies
The highest-rated homeowners insurance companies in Houston include: The best homeowners insurance companies in Houston have strong reputations and offer comprehensive coverage along with a variety of endorsements to customize your coverage. Read on to learn about the differences between our top four picks.
Compare the Best Homeowners Insurance Companies
See how the top homeowners insurance companies in Houston stack up on key metrics. *Cost may be calculated for homes of slightly varying values
Industry-Standard Coverage
Most home insurance companies provide six basic forms of coverage—dwelling, other structures, personal property, loss of use/additional living expenses, personal liability, and medical payments to others. Each of our top recommendations offers these protections. You can find a breakdown below.
1. Allstate
Allstate is our top choice for homeowners insurance, earning it the ranking of best overall. As the second-largest home insurer in the country, Allstate has strong financial backing. Its long list of endorsements makes it a great choice, along with its 24/7 customer service center that handles concerns and questions in addition to claims. Weigh the pros and cons of Allstate below.
Plans and Pricing of Allstate
We received an instant quote for a new construction, single-family, approximately 2,000-square-foot home in Houston valued at roughly $230,000. The monthly premium came out to $210.
Discounts
Allstate offers a variety of discounts to help reduce your premium:
Multi-policy Early signing Claim-free Home alarm Roof Smoke-free Storm shutter Homebuyer Easy Pay Plan Age 55 and retired Welcome and loyalty
Allstate Endorsements
Below is a sampling of Allstate’s add-on coverage options. Homeowners insurance add-on coverages can vary depending on the location, so you’ll need to check your personalized quote to find out which ones are available in your area.
2. Amica
Amica® offers accessible and high-quality customer service. The home insurer has the valuable feature Contractor Connection to connect homeowners with pre-approved contractors within as little as 24 hours to work on repairs. Customers can keep track of their progress online, and the contractors come with a five-year workmanship warranty. Weigh the pros and cons of Amica below.
Plans and Pricing of Amica
Our instant quote was for a new construction, single-family, roughly 2,000-square-foot home in Houston valued at roughly $230,000. The monthly premium came out to $213.
Discounts
Amica offers a variety of discounts:
Multi-policy Claim-free E-discount Autopay Loyalty Alarm system Automatic detection devices New and remodeled homes
Amica Endorsements
Amica offers a range of optional add-on protections.
3. Farmers
Farmers is a respected brand name with comprehensive coverage as well as some impressive perks that aren’t common among homeowners insurance providers. Claims forgiveness waives your surcharge if you go five or more years without filing a claim. Another stand-out feature, declining deductibles, means that every year your policy is in force, Farmers will take $50 off of your deductible. Weigh the pros and cons of Amica below.
Plans and Pricing of Farmers
Our instant quote was for a new construction, single-family, roughly 2,000-square-foot home in Houston valued at roughly $250,000. The monthly premium came out to $258.
Discounts
Farmers offers several discounts to lower your monthly premium:
Claim-free Non-smoking Multi-policy Protective devices New home Roofing materials
Farmers Endorsements
Farmers offers relatively few endorsements to help you round out your coverage.
4. Lemonade
Lemonade has only been in the industry for a few years, but its forward-thinking approach has made it a popular provider. The insurer has a focus on technology with a mobile app that allows customers to upload video explanations of their issues, and almost a third of claims are handled instantly.
Plans and Pricing of Lemonade
We received an instant quote for a single-family, new construction, roughly 2,200-square-foot home in Eureka, California. The premium came out to a very affordable rate—$60.75. To find out how much it would cost to cover your home, get a free quote from Lemonade by visiting the company’s website.
Discounts
Lemonade offers several discounts:
Fire protection Protective devices Gated community Multi-policy
Lemonade Endorsements
Lemonade offers a variety of add-on protections.
Our Conclusion
Each of these top home insurance companies stands out with positive features, from technology to customer service. Allstate is the best overall with many customization options and a 24/7 call center that isn’t restricted to claims issues. Amica has high-quality customer service, including the Contractor Connection program that speeds up the repair process. Farmers is known for its declining deductibles and claims forgiveness policies, and Lemonade offers a convenient solution to claims.
How much is homeowners insurance in Houston?
The amount you pay for homeowners insurance in Houston will depend on a variety of factors, including where you live, the age and size of your home, the materials it was constructed with, the deductible you choose, and more.
Why is home insurance so expensive in Texas?
Texas has the fifth-most expensive home insurance rates in the country, according to Insurance.com. The high costs are attributed to weather-related risks like hurricanes, tornados, and windstorms.
Is it better to have a high or low deductible for homeowners insurance?
This will depend on your priorities and finances. In general, the higher your deductible, the lower your premium. The most common insurance deductible is $1,000, according to American Family Insurance. Our Methodology The This Old House Reviews Team values accuracy, transparency, and trust. With that in mind, we created a thorough, objective rating system to score each home insurance company based on the following six factors:
Coverage (30) State availability (7.5) Customer service (15) Technology (12.5) Reputation (20) Additional benefits (15)
Our Reviews Team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability. Read more on our methodology here. To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.
