Now that you have found the ideal home where your roots can be laid down in Texas, your belongings and property need to be protected. Be it Dallas, Houston, Arlington or any other city in the state of Texas; you can now safeguard your property from theft, damages and more.

Texas is the second largest state in the United States by population and size. The insurance costs here are high too. An average annual premium ranges at $1,661 statewide. This rate is approximately $600 above the nationwide average, hence making this state the 3rd most expensive in home insurance rates.

But, because of the population distribution and size, there are great differences among the cities and the rate you will be charged will depend on where your property is located. With all this in mind, let’s take a look at the best homeowners insurance Houston companies in Texas.

Allied Mutual

Allied Mutual is a strong competitor in the home insurance market in Texas. Nationwide owns this company, although the products and service are distributed by independent brokers and agents. Up to date, this company has been receiving four stars for general customer satisfaction.

This company offers the cheapest options you can find, with their annual premiums ranging from about $1200. Their policy offers coverage and home repair from the general range of damage caused by theft of natural disaster. Additionally, this insurer also offers customized plans for those who reside in specific areas like the flood zones, mainly to ensure that they get the adequate protection they need. They also have a policy that covers things like amplified living expenses in case your home is rendered inhabitable.


Texas homeowners can now get exclusive home and house policy. Standard policy coverage protects you against property damages and damages from your personal belongings. Such a plan also includes protection on liability, and it can be modified easily depending on what you would like to insure.

With Allstate, you will get multiple discounts options that can be discussed in their offices or with a local agent. Their world-class online portal consists of educational tools and resources that assist you to make informed decisions. For instance, you can use their premium gauge to see how different variables affect the premium rates. They have been doing this business for the past 80 years, so you are sure that your interests are covered.

The Hartford

By making Hartford your insurer, you will get the rare opportunity to customize your policy so that it can match your needs and budget. This coverage also comes with added options like a green rebuilding initiative that helps you to rebuild using materials that are environmentally friendly, and coverage for valuables.

Homeowners insurance in Houston keeps getting better by the day. The Hartford have special packages like a 100% protection plan that will insure the repair cost up to 125% and replace items once they are damaged or lost. Even though they do not have great discount packages like their competitors, you can save up when you bundle up policies.

Compare the coverages for different companies so that you can choose a policy that suits you. This is the best way to save upon on your homeowner’s insurance.