Home Insurance in Texas
Texas homeowners insurance premiums average 50% to 80% above the national average, making the Lone Star State one of the most expensive markets for home coverage in the country. The primary culprits are the state's extraordinary exposure to natural disasters and the frequency with which they occur.
Hailstorms are the single largest driver of home insurance claims in Texas. The DFW metroplex, North Texas, and the Texas Panhandle sit in "Hail Alley," where severe convective storms regularly produce golf ball-sized or larger hail. A single major hailstorm can generate billions of dollars in insured losses across a metro area. As a result, most Texas carriers apply percentage-based wind/hail deductibles — typically 1% to 2% of the dwelling coverage amount — rather than flat-dollar deductibles.
This means on a home insured for $400,000 with a 2% wind/hail deductible, the homeowner pays the first $8,000 of any wind or hail claim out of pocket. Understanding your wind/hail deductible is critical when comparing Texas home insurance policies, and it is one of the key areas where we help homeowners make informed decisions.
Along the Gulf Coast — from Houston to Corpus Christi to the Rio Grande Valley — hurricane and tropical storm exposure adds another layer of risk and cost. Coastal properties may face windstorm exclusions from standard carriers and need coverage through the Texas Windstorm Insurance Association (TWIA) or specialized surplus lines carriers.
Tornadoes affect a wide swath of Texas, from the Red River Valley in the north through Central Texas. The state consistently ranks first or second nationally in tornado frequency. Severe thunderstorms, often accompanying hail and tornado events, produce damaging straight-line winds that can cause significant roof and structural damage.
We compare home insurance from Travelers, Safeco, Nationwide, Progressive, Openly, Homeowners of America, Universal Property, Branch, and more. Our 22+ carrier approach is especially valuable in Texas, where rate differences between carriers can be dramatic — sometimes thousands of dollars per year for the same property.
Auto Insurance in Texas
Texas requires minimum liability coverage of 30/60/25 — $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $25,000 for property damage. Texas is an at-fault state, meaning the driver who causes an accident bears financial responsibility for damages. While these minimums are higher than many states, they are often insufficient to cover the costs of a serious accident in major Texas metros.
Auto insurance rates in Texas vary significantly by location. The major metropolitan areas — Houston, Dallas-Fort Worth, San Antonio, and Austin — have the highest rates due to traffic congestion, accident frequency, and vehicle theft. Houston, in particular, consistently ranks among the most expensive cities in the nation for auto insurance, driven by population density, flooding risk, and a high percentage of uninsured drivers.
Uninsured and underinsured drivers are a significant problem in Texas. Despite the legal requirement to carry insurance, an estimated 14% to 20% of Texas drivers are uninsured. This makes uninsured/underinsured motorist (UM/UIM) coverage critically important — though it is optional in Texas. We strongly recommend adding UM/UIM coverage to protect yourself from the financial consequences of an accident with an uninsured driver.
Hail damage is also a major factor for Texas auto insurance. Comprehensive coverage — which protects against hail, theft, flooding, and other non-collision events — is especially important in hail-prone areas of North Texas. Without comprehensive coverage, you bear the full cost of any hail damage to your vehicle.
We compare auto insurance from Progressive, Safeco, National General, GEICO, Gainsco, Bristol West, Clearcover, and more to find Texas drivers the best combination of coverage and price.
Bundle Your Home & Auto Insurance in Texas
Given the high baseline costs of both home and auto insurance in Texas, bundling your policies is one of the most impactful ways to save. Multi-policy discounts from our carrier partners typically range from 10% to 25%, translating to potential savings of $500 to $1,500 per year for Texas families.
Beyond the premium discount, bundling simplifies your insurance management and often qualifies you for additional benefits like claim forgiveness, higher liability limits, or enhanced coverage endorsements at reduced or no additional cost.
We compare bundled packages across all 22+ carriers to ensure you get the best total value — not just the cheapest individual policy, but the combination that provides the strongest coverage at the lowest total premium.
Cities We Serve in Texas
We serve homeowners and drivers throughout the major Texas metropolitan areas and beyond:
- Dallas — North Texas metroplex hub with diverse neighborhoods and significant hail exposure
- Fort Worth — Western DFW anchor with growing suburban communities
- Austin — State capital with a booming housing market and rapidly rising insurance costs
- San Antonio — Alamo City with a mix of historic and modern housing
- Houston — Largest city in Texas with hurricane, flood, and hail risks
- Plano — Affluent North Dallas suburb with high property values
- Frisco — One of the fastest-growing cities in the nation
- McKinney — Rapidly expanding Collin County community
- Arlington — Central DFW city between Dallas and Fort Worth
- Round Rock — Fast-growing Austin suburb in Williamson County
We serve all of Texas. Get a free quote or call (847) 908-5665 to speak with an agent about your Texas insurance needs.
Why Choose Better Choice Insurance Group in Texas?
- 22+ carriers Compared: Including Travelers, Safeco, Progressive, Homeowners of America, Universal Property, and more
- Texas Market Expertise: We understand wind/hail deductibles, percentage-based deductibles, and coastal exposure
- Average Savings of $900+/Year: Especially impactful in a high-cost state like Texas
- Independent & Unbiased: We shop the market on your behalf — no loyalty to any single carrier
- Claims Advocacy: When hail season hits, we help you navigate the claims process
- 4.8-Star Google Rating: Trusted by clients across multiple states
- Bundle Savings: Multi-policy discounts of 10-25% across all carrier partners
- Fast, Free Quotes: Get a no-obligation Texas insurance quote online or by phone
Frequently Asked Questions — Texas Insurance
Texas has some of the highest home insurance rates in the nation — typically 50% to 80% above the national average. The primary drivers are the state's extreme exposure to natural disasters: hurricanes along the Gulf Coast, hailstorms across North Texas and the DFW metroplex, tornadoes throughout Tornado Alley, and severe thunderstorms statewide. Texas also has higher-than-average construction costs and a competitive litigation environment that adds to insurer expenses. By comparing 22+ carriers, Better Choice Insurance Group helps Texas homeowners find the most competitive rates despite the challenging market.
In Texas, most home insurance policies use a percentage-based deductible for wind and hail claims rather than a flat dollar amount. Common wind/hail deductibles range from 1% to 2% of the dwelling coverage amount. For example, on a home insured for $400,000 with a 2% wind/hail deductible, you would pay $8,000 out of pocket before insurance covers the rest of a hail damage claim. Some carriers offer flat-dollar deductible options or lower percentage deductibles at a higher premium. We compare these options across carriers to help you find the right balance.
Texas requires minimum liability coverage of 30/60/25: $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $25,000 per accident for property damage. Texas is an at-fault state, meaning the driver who causes an accident is financially responsible. While these are the legal minimums, they are often insufficient to cover the costs of a serious accident. We recommend higher limits and typically suggest adding uninsured/underinsured motorist coverage, which is optional in Texas but highly recommended given the state's high rate of uninsured drivers.
No, standard Texas homeowners insurance does not cover flood damage. Flood insurance must be purchased separately, either through the National Flood Insurance Program (NFIP) or a private flood insurance carrier. This is especially important in Texas, where flooding from hurricanes, tropical storms, and heavy rainfall events is a significant risk — not just along the Gulf Coast but also in inland areas. Houston, Austin, San Antonio, and DFW have all experienced devastating flood events. We can help you secure flood coverage alongside your standard homeowners policy.
Yes, bundling is one of the best ways to reduce your total insurance cost in Texas. Multi-policy discounts from our carrier partners typically range from 10% to 25%. Given that Texas already has high baseline rates for both home and auto insurance, these bundle savings can be substantial — often $500 to $1,500 per year. We compare bundled packages across all 22+ of our carriers to find the combination that delivers the best total value for Texas families.