Texas homeowners insurance

Texas homeownership is trending at an all-time high, which means more people than ever before have assets to protect in the Lone Star State. And because Texas is subject to major weather threats all year round — from hail, thunderstorms, and tornado damage in the spring to high-wind damage in the fall, protecting those assets becomes even more important. Learn how easily Texans can obtain a homeowners insurance policy with customized coverage limits to stay protected against Mother Nature's most common perils.

3 min to read

How you're covered

A typical policy in Texas may include the following homeowners insurance coverages:

  • Dwelling Coverage (Coverage A) protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
  • Other Structures Coverage (Coverage B) protects detached structures, such as a fence, shed, or detached garage.
  • Personal Property Coverage (Coverage C) protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed, also known as "adding a rider."
  • Loss of Use Coverage (Coverage D) may help cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.
  • Personal Liability Coverage (Coverage E) protects you financially if you're legally responsible for another person's injuries or damage to their property.
  • Medical Payments to Others (Coverage F) may pay for medical expenses due to a covered occurrence.

Keep in mind coverage under your policy is subject to exclusions and conditions within your policy. It is important to read your policy to understand the coverage provided.

Did you know?

Texas ranks as the top state for hail-related damage. According to the Insurance Information Institute, there were 1,123 hail events recorded in 2023 — more than in any other state. Learn how to prepare your home for a hailstorm.

Additional coverages to consider for Texas

In some cases, you can buy extra protection by adding coverage to your homeowners policy or purchasing a separate standalone policy for specific perils and hazards not typically covered on a standard homeowners policy. If available, Texans may want to consider:

  • Flood: Flooding is not typically covered under a homeowners policy. If you're concerned about flooding in your area, a private flood insurance policy or NFIP, where available, may help protect your property and belongings against flood damage.
  • Umbrella: An umbrella policy, where available, may help protect your assets if you exceed the personal liability coverage on your homeowners policy.
  • Sump pump: Sewage back-up or sump pump overflows aren't typically one of the standard coverages automatically included with homeowners insurance. Adding water back-up coverage as on optional coverage, if available, may help in the event of sewage back-up or sump pump overflow due to heavy storms.

How much is homeowners insurance in Texas?

Progressive homeowners policies in Texas had an average cost of $1,890.30 or $157.52 per month for an annual policy in 2023.* Remember that your cost for homeowners insurance in Texas varies based on many factors, including your location, type of home, and coverage limits, so that average price may not necessarily be what you end up paying for your unique policy.

Helping you save on homeowners insurance in Texas

There are lots of Progressive discounts on homeowners insurance available, including discounts for quoting in advance, bundling your new home policy with an existing auto policy, and installing a home security system. Get a homeowners insurance quote for your Texas home to see your potential savings.

Compare homeowners insurance rates in Texas

Progressive's HomeQuote Explorer® lets you instantly compare homeowners insurance rates and coverages from multiple companies.

Is homeowners insurance required by law in Texas?

Homeowners insurance is not required in the state of Texas, but if you're financing your home through a mortgage lender, they'll probably require it as part of your loan terms. Note that even if your home is paid off, you'll still want to consider homeowners insurance because your home is likely your most valuable asset and should be protected.


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Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.