Homeowners in Texas face some of the highest insurance premiums in the nation—thanks to weather risks like hurricanes, hailstorms, and wildfires. The average homeowner expense in the state reaches $4,585/year, or around $382/month . If you’re on the hunt for cheap home owner insurance Texas, here’s a detailed look at the five best affordable options—with real pricing, reasons for value, and who each provider suits best.
5. Nationwide
Why It’s Affordable in Texas
- Nationwide offers competitive rates especially for newer homes, with annual premiums dipping as low as $3,682 .
- Additional savings come through multi-policy bundling, smart home discounts, and claims-free loyalty programs.
Best For: Homeowners with newer construction who want low cost homeowners insurance Texas with flexible coverage.
4. Cincinnati Insurance
Why It’s Worth Considering
- While specific Texas pricing isn’t widely published, Cincinnati is known for designed plans tailored to high-risk areas—such as those prone to tornadoes or hailstorms.
- Customization options and strong local agent support often translate into better long-term affordability.
Best For: Homeowners in high-risk zones seeking affordable homeowners insurance Texas with tailored coverage.
3. Auto Club Group (AAA)
Why It’s Budget-Friendly in Texas
- When bundled with auto insurance, AAA provides substantial savings and often includes additional member perks.
- Well-known for reliability and strong customer service—helping reduce long-term claim costs.
Best For: AAA members wanting dependable service and affordable homeowners insurance Texas through bundling.
2. Chubb
Why Chubb Offers Value (and Why It’s Surprisingly Cheap)
- Per MoneyGeek, Chubb delivers the lowest average nationwide premiums—$991/year for $100K dwelling coverage.
- Bankrate ranks Chubb among top providers for satisfaction and claims, making it a prime pick for excellent service at a strong value.
Best For: Texas homeowners seeking premium features and still aiming for best cheap homeowners insurance Texas—especially those valuing top-tier service.
1. Amica Mutual Insurance
Why It Tops the List
- While NerdWallet doesn’t list Amica’s exact Texas rate, it consistently earns top satisfaction rankings and offers dividend-paying policies—reducing net cost over time.
- Even if your premium edges above the average, dividends and reliability make it a strong overall value.
Best For: Those who prioritize service quality, transparency, and long-term affordability—even under the label of cheap homeowners insurance Texas.
FAQ — What Texas Homeowners Want to Know
Q1: How expensive is home insurance in Texas compared to the U.S.?
A: Texas averages around $4,585/year, well above the $2,110 national average (.
Q2: Who offers the cheapest homeowner’s insurance Texas?
A: Among widely recognized insurers, Mercury offers some of the lowest average premiums—around $1,254/year for $350K coverage . Among national carriers, Chubb consistently delivers best value .
Q3: How can I lower my Texas home insurance costs?
A: Consider increasing your deductible, bundling policies, installing home safety upgrades, or shopping around. Switching providers and higher deductibles have cut premiums by about 12% for some homeowners .
Q4: Are Texas home insurance premiums rising further?
A: Yes. From 2022 to 2023, premiums surged by nearly 40% in Texas. Weather risks and inflation drive the increases .
Q5: Why does Amica cost more yet still rank the best cheap option?
A: Because of its reputation—top-tier customer satisfaction and dividend rebates consistently offset higher sticker prices over time.
Final Thoughts
If you’re searching for cheap home owner insurance companies in Texas, USA, here’s what stands out:
- Chubb offers surprisingly low prices with high service—making it a top value play.
- Amica leads for service quality and long-term cost-effectiveness.
Nationwide, Cincinnati Insurance, and AAA each bring unique advantages—from bundled discounts to customizable plans—while staying more affordable than the Texas average.