Texas Homeowners Insurance Coverage

Whether you own a ranch house outside Austin, a restored Prairie-style home in Dallas or a brand-new four-bedroom in Houston, with a Farmers Flex^SM Personal Home insurance policy, you can choose quality coverage for your lifestyle today. New discounts can help you save even more.

How much does homeowners insurance generally cost in Texas?

The average premium for home insurance coverage in Texas is $2,397 per year¹, according to 2022 data (the most recent available) from the National Association of Insurance Commissioners (NAIC). However, insurance costs in most states have changed since then. Also, the amount you pay may be different depending on things like the value and age of your home, how much personal property you want to cover, what deductible you choose and risks specific to your area.

Is homeowners insurance required in Texas?

No, homeowners insurance is not required by law in Texas. However, in order to get a home loan, your mortgage lender will likely require you to obtain a certain amount of insurance coverage.

What does homeowners insurance cover in Texas?

Every policy is different, but home insurance policies in Texas typically come with several standard coverages.

Dwelling (Coverage A). This coverage helps you pay for damage to your home from a covered event, such as a fire, windstorm, lightning or hail.
Other structures (Coverage B). This coverage is intended to cover structures that aren’t connected to your home, like a fence or shed.
Personal property (Coverage C). This coverage helps you repair or replace your personal belongings if they are stolen or damaged.
Loss of use, or additional living expense coverage (Coverage D). This coverage can help you pay to stay somewhere else if your home is uninhabitable due to covered damage.
Personal liability (Coverage E). This coverage helps pay for accidental property damage or injuries you cause through negligence.

Typical home insurance policies in Texas cover damage caused by:

Fire
Vandalism and theft
Lightning strikes
Wind
Hail
Explosions
Falling objects
The weight of snow or ice

Flooding, a common risk in parts of Texas, is not covered. However, special flood insurance through the National Flood Insurance Program (NFIP) may be available.

Farmers Flex Personal Home coverage in Texas

Beyond the basic coverages, Farmers Flex Personal Home offers a wide range of options that let you customize your policy, such as:

Guaranteed Replacement Cost
Water Backup and Sump Overflow
Emergency Mortgage Assistance
Declining Deductibles^®
Claim Forgiveness

Learn more about Farmers Flex Personal Home policies

Smart home? Smart coverage with Farmers^® Device Protection

Switch and save as much as 50%² on coverage for cell phones, laptops and other home electronics that keep you connected. Learn more.

Texas home insurance discounts

Farmers^® offers a variety of savings opportunities for eligible home insurance customers in Texas, including:

Welcome Discount
Home Buyer Discount
Bundling Discount
Loyalty Discount
Claim Free Discount

See more information and additional discounts that may be available in Texas.

Northern Mockingbird

More coverage options in Texas

Learn more about home insurance

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Home Warranty vs. Home Insurance Difference

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Why Did My Homeowners Insurance Go Up?

Inflation, construction costs, climate change and other trends that impact rising home insurance premiums.

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Advertisement produced on behalf of the following specific insurers and seeking to obtain business for insurance underwritten by Farmers Insurance Exchange, Fire Insurance Exchange, Truck Insurance Exchange, Mid-Century Insurance Company, Farmers Insurance Company of Washington (Bellevue, WA) or affiliates. In TX: insurance is underwritten by Farmers Insurance Exchange, Fire Insurance Exchange, Truck Insurance Exchange, Mid-Century Insurance Company, Farmers Texas County Mutual Insurance Company, Mid-Century Insurance Company of Texas or Texas Farmers Insurance Company. In NY: insurance is underwritten by Farmers Insurance Exchange, Truck Insurance Exchange, MidCentury Insurance Company or Farmers New Century Insurance Company. Home office, Los Angeles, CA. Each insurer has sole financial responsibility for its own insurance. List of all insurers and states where licensed at farmers.com/companies/state/. Not all insurers are authorized in all states. Not all products, coverages, and discounts are available in every state and may vary by state. Restrictions, exclusions, limits and conditions apply. See agent for details.