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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 FlexSM Personal Home insurance policy, you can choose quality coverage for your lifestyle today. New discounts can help you save even more.

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Find a Farmers agent in Texas

How much does homeowners insurance generally cost in Texas?

The average premium for home insurance coverage in Texas is $1,982 per year, according to a 2019 report (the most recent data available) by 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

electronics device insurance

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
  • Multi-Policy Discount
  • Loyalty Discount
  • Claim Free Discount

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

Northern Mockingbird

Texas legislators picked the northern mockingbird as the state bird because of its resilience and because it’s fierce in protecting its territory, qualities they thought epitomized every good Texan. — BirdFact

More coverage options in Texas

Texas car insurance

Find out minimum state requirements for auto insurance in Texas, available discounts, information on our Signal app and more.

View car insurance details and discounts for Texas

Texas renters insurance

Renters insurance can help cover what your landlord’s insurance policy doesn’t, such as furniture, electronics and other personal belongings.

View renters insurance details and discounts for Texas

Learn more about home insurance

Learn From Experience

Read real-life stories about insurance, renovations, home safety and more from pros and homeowners like you.

A home warranty can cover service, repairs or replacement of your home’s major appliances and mechanical systems. Home insurance covers your house itself and your belongings in the event of sudden and accidental damage.

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

To plan a perfect renovation, homeowners can spend hours curating dreamy inspiration boards of trendy designs and spectacular finishes.

1Based on average premium for HO-3 type open perils homeowners policies.

* Farmers® Device Protection products are repair and replacement services. The loss and theft insurance policy is underwritten by Universal Underwriters Insurance Company, which is not affiliated with the Farmers Insurance Group®. Likewize Agency, LLC is the licensed agent and Likewize Device Protection, LLC administers the program. In California, the Agent is Likewize Agency, LLC d/b/a Likewize Insurance Agency, LLC. The Service Contract covers Accidental Damage from Handling and Mechanical and Electrical Failure. Unless stated otherwise, the Provider of the Plan is Likewize Device Protection, LLC, 1900 W. Kirkwood Blvd., Suite 1600C, Southlake, TX 76092. The Administrator of the Plan is Likewize Device Protection, LLC 1900 Kirkwood Blvd, Suite 1600C, Southlake, TX 76092 1-866-277-6325 (TX License Number 501). 

2Savings are based on the combined monthly price of home device protection and phone protection plans offered by third parties as listed on their official websites as of January 24, 2025. Pricing comparisons were verified using rates advertised on their official websites and may vary by location.