Best Homeowners Insurance in Houston

Best Homeowners Insurance in Houston

Adobe If this guide, we go in-depth on the top providers to consider if you’re in the market for homeowners insurance in Houston.

Homeowners insurance policies can give you peace of mind. If you own a home in Houston, you have likely thought about the worst-case scenario—fire, storm damage, flooding, and more. Your home insurance policy can help protect your wallet when these incidents occur, covering some of your repairing, rebuilding, and replacement costs.

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.

To get free home insurance quotes from companies in your area, call 855-948-5219 or enter your zip code in the tool below:

Houston’s Top 4 Homeowners Insurance Companies The highest-rated homeowners insurance companies in Houston include: 1.

2.

3.

4.

Allstate: Best Overall Amica: Best Customer Service Farmers: Most Customizable Coverage Lemonade: Quickest Sign-Up

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.

Before you purchase a homeowners insurance policy in Houston, we recommend getting a free quote from all four providers by calling 855-948-5219 or using the tool below:

Frequently Asked Questions 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.