TEXAS HOMEOWNERS INSURANCE

With a Farmers^® home policy, you have the freedom to create a policy that reflects how you live and what matters most to you.

Get a quote

Have more questions?

Get in touch with a Farmers agent in Texas

Home Insurance Coverage Options in Texas

Farmers Smart Plan Home^® in Texas gives you three highly customizable packages as a starting point:

Standard — Reduced coverage for a reduced price
Enhanced — Provides higher coverage limits and extra features
Premier — Comes with the highest coverage limits and greatest choice of features

Within each package, you have the flexibility to adjust coverage types and limits so that your home is covered the way you want.

Typical home insurance policies in Texas offer coverage for damage caused by:

Windstorms
Hail
Lightning strikes
Fire
Vandalism and theft
Explosion
Falling objects
Water damage from burst pipes

Texas home insurance discounts

Farmers^® builds value into every policy —but you may be eligible for even more savings.

We offer a variety of discounts for our home insurance customers based in Texas. For example:

Multi-policy

Protective devices

Non-smoker

See a list of potential home insurance discounts. Not all listed discounts are available in Texas.

View more coverage options in Texas

Auto 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

Learn From Experience

Expand your knowledge base with articles relevant to you.

A Home Addition Can Mean Extra Income, More Room for Family — Or Even a Dream Home

She Plays Drums, and the Downstairs Neighbors Have a New Baby: How Soundproofing Helped This Family (and Others) Restore Peace and Quiet

If a Tree Falls on My Home, What Do I Do?

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, Civic Property and Casualty Company, Exact Property and Casualty Company, Neighborhood Spirit Property and Casualty 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, Mid-Century Insurance Company or Farmers New Century Insurance Company. Home office, Los Angeles, CA.

Each of following insurers who transact business in California are domiciled in California and have their principal place of business in Los Angeles, CA: Farmers Insurance Exchange (#R 201), Fire Insurance Exchange (#1267-4), Truck Insurance Exchange (#1199-9), Mid-Century Insurance Company (#1428-2), Civic Property and Casualty Company (#4241-6), Exact Property and Casualty Company (#4240-8), Neighborhood Spirit Property and Casualty Company (#4242-4).

Life insurance issued by Farmers New World Life Insurance Company, a Washington domestic company: 3120 139^th Ave. SE, Ste. 300 Bellevue, WA 98005 (CA#: 0378-0). Farmers New World Life is not licensed and does not solicit or sell in the state of New York.

Securities offered through Farmers Financial Solutions, LLC, (In NY: Farmers Financial Solutions and Insurance Agency), 31051 Agoura Road, Westlake Village, CA 91361. Member FINRA & SIPC

Each insurer has sole financial responsibility for its own insurance. List of all insurers at farmers.com. Not all insurers are authorized in all states. Not all products, coverages, features and discounts are available in every state and may vary by state. Restrictions, exclusions, limits, and conditions apply. See agent for details.