Insurance

The Best and Cheapest Home Insurance Companies in Texas – ValuePenguin

Best Texas Home Insurance Overall: Farmers

our recommendation for most homeowners in texas is farmers. At an average of $1,443 per year, farmers’ fees are 43% below the statewide median price. the company has solid customer service reviews. According to the National Association of Insurance Commissioners (NAIC), farmers receive far fewer complaints than expected for a company of its size.

farmers offers three levels of home insurance coverage, so most homeowners can find an option that fits their needs. The premier package, Premier, allows homeowners to add Guaranteed Replacement Cost coverage, which pays 100% of the cost of rebuilding your home in the event of a total loss, regardless of your coverage limits.

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Other optional coverages include identity theft protection, replacement cost of personal property, and Green Rebuild coverage, which provides additional funds to upgrade your home with green materials after a covered loss.

Best for Combining Auto and Home Insurance: Texas Farm Bureau

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texas farm bureau offers some of the lowest homeowners insurance rates in the state. At $1,661 per year, a farm bureau policy is 34% cheaper than the state average. In addition, it offers a 15% discount on the companion policy for combining a home and car insurance policy.

While your home insurance policy lacks bells and whistles, homeowners looking for additional coverage can choose from a number of add-ons, including glass coverage, boat liability, and windstorm coverage.

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The company also offers excellent customer service. The Texas Farm Bureau scored 0.52 on the NAIC Complaint Index, meaning it receives only half of the expected complaints relative to its size and other insurers.

best for high value homes: chubb

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chubb is well known for its excellent customer service, financial strength, and coverage tailored to high-value homes. For example, Chubb policies include extended replacement cost, which will help repair or replace your items even if they’re worth less than when you bought them. policyholders can also opt for cash settlements if their homes are completely destroyed. In other words, Chubb will give you a check if you decide not to rebuild your house. It also offers higher personal liability limits than most insurers – homeowners can get up to $100 million in coverage.

plus, chubb offers the cheapest homeowners insurance in texas and has rave reviews for customer service. a policy costs $1,362 per year, which is $1,170 less than the state average.

best customer service company: amica

amica offers the best customer service experience for homeowners in texas. got top marks in j.d. power’s customer satisfaction survey and only receives about half as many complaints as a typical insurer of its size, according to the naic.

A home insurance policy from Amica costs $2,643 per year, which is $1,281 more than the cheapest insurer, Chubb. however, the company offers a handful of discounts to help lower premiums, including an auto payment discount, an alarm system discount, and credit for new or remodeled homes.

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