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Best Homeowners Insurance Houston

Homeowners around the country are seeking the best insurance with the most value, the most reliable coverage, the lowest deductible and the cheapest price. Fortunately in large cities such as Houston, homeowners insurance policies have many palatable options. In Houston, Homeowners insurance policies should cover a few main areas such as weather damage, theft and deterioration of the home. There are a few companies at the top of the list that every homeowner should consider. In addition, there are a few special features to think about.

Liberty Mutual is one of the largest companies providing homeowners insurance policies in Houston. Deductibles are fairly low and the variety of home insurance options is very large. However, the company is outside of Houston and does not appeal the same way as more local insurers do. On the other hand, the firm has decades of experience in Texas so it should be perfectly capable of providing all insurance services required. The company also provides auto and life insurance to diversify its portfolio.

Chart of Insurance Rates by Companies Serving Houston, Tx – Coverage: $150,000

The data shown below fits the following criteria:

  • County & ZIP Code: HARRIS 77002
  • Age of Residence: 10 years old (1-34)
  • Type of Construction: Brick Veneer
  • Claim History: Claim free 5 years
  • Credit Rating: Good Credit
  • Policy: Homeowners
  • Coverage Amount: 150000​

 

Company Name Annual Sample Rate WITH wind coverage A.M. Best Rating Complaint Index % Rate Change WITH Wind Coverage
12mo 24mo 36mo
AIG PROPERTY CASUALTY COMPANY $953 A 0 0 3.14 3.14
ALLIED PROPERTY AND CASUALTY INSURANCE COMPANY $1,548 A+ 0 -4.97 -2.7 -4.85
ALLSTATE VEHICLE AND PROPERTY INSURANCE COMPANY $1,148 A+ 0 -2.71 -2.71 -2.81
AMERICAN MERCURY LLOYD’S INSURANCE COMPANY $1,374 A- 0 8.1 20.1 9.14
AMICA MUTUAL INSURANCE COMPANY $1,761 A++ 0.7554 -.23 4.66 n/a
ASI LLOYDS $972 A 0.8769 -51.1 -51.1 -46.5
AUTO CLUB INDEMNITY COMPANY $1,716 A+ 0.9339 0 6.19 9.23
CHUBB LLOYDS INSURANCE COMPANY OF TEXAS $1,626 A++ 0 4.16 8.18 8.18
CONSOLIDATED LLOYDS $1,910 0 0 0 35.46
ENCOMPASS INDEMNITY COMPANY $3,325 A+ 2.1905 33.11 54.37 64.44
LIBERTY INSURANCE CORPORATION $2,817 A 0.916 20.08 38.91 65.22
METROPOLITAN LLOYDS INSURANCE COMPANY OF TEXAS $1,318 A 0.7247 n/a n/a n/a
NATIONAL SPECIALTY INSURANCE COMPANY $1,349 A 0 0 9.05 3.6
NATIONAL SURETY CORPORATION $1,498 A+ 0 18.79 41.99 38.44
NATIONWIDE GENERAL INSURANCE COMPANY $1,459 A+ 1.2996 9.12 -9.71 -6.29
SAFECO INSURANCE COMPANY OF INDIANA $2,794 A 1.3324 54.88 80.96 84.54
STATE FARM LLOYDS $3,672 B++ 1.2578 -.38 4.08 18.23
TEXAS FAIR PLAN ASSOCIATION $1,697 1.1742 0 18.01 18.01
TEXAS FARM BUREAU MUTUAL INSURANCE COMPANY $2,328 A- 0.9991 3.15 12.63 20.5
TEXAS FARMERS INSURANCE COMPANY $2,816 A 0.9926 -5.15 21.65 50.92
TRAVELERS HOME AND MARINE INSURANCE COMPANY, THE $1,618 A++ 0 6.94 n/a n/a
UNITED PROPERTY & CASUALTY INSURANCE COMPANY $2,090 0 1.7 n/a n/a
UNITED SERVICES AUTOMOBILE ASSOCIATION $1,986 A++ 0.4783 2.64 25.62 23.21
UNITRIN SAFEGUARD INSURANCE COMPANY $1,894 A- 4.1828 1.34 20.26 20.26
USAA TEXAS LLOYD’S COMPANY $1,980 A++ 0.3401 2.75 25.8 23.44

 

 

Chart of Insurance Rates by Companies Serving Houston, Tx – Coverage : $200,000

The data shown below fits the following criteria:

  • County & ZIP Code: HARRIS 77002
  • Age of Residence: 10 years old (1-34)
  • Type of Construction: Brick Veneer
  • Claim History: Claim free 5 years
  • Credit Rating: Good Credit
  • Policy: Homeowners
  • Coverage Amount: 200000

 

Annual Sample Rate WITH wind coverage A.M. Best Rating Complaint Index % Rate Change WITH Wind Coverage
12mo 24mo 36mo
$4,343 B++ 1.2578 -1.96 2.1 15.58
$4,301 A+ 2.1905 34.11 54.48 64.65
$3,576 A 0.9926 -5.15 21.71 52.42
$3,263 A 0.916 19.88 38.45 68.12
$3,095 A 1.3324 47.1 71.84 73.87
$2,942 A- 0.9991 3.16 12.64 20.48
$2,549 0 1.7 n/a n/a
$2,414 0 0 0 35.54
$2,354 A++ 0.4783 2.66 26.9 24.81
$2,347 A++ 0.3401 2.76 27.07 25.04
$2,199 A+ 0.9339 0 6.13 9.19
$2,181 A- 4.1828 1.3 21.16 21.16
$2,144 A++ 0 4.08 12.73 12.73
$2,139 1.1742 0 17.98 17.98
$2,096 A++ 0.7554 -2.83 1.93 n/a
$1,956 A++ 0 7.24 n/a n/a
$1,878 A+ 0 -5.06 -3.45 -5.77
$1,817 A+ 1.2996 9.13 -12.2 -8.89
$1,800 A+ 0 34.13 60.43 56.26
$1,687 A 0 0 9.19 3.73
$1,612 A- 0 6.4 14.57 2.35
$1,567 A 0.7247 n/a n/a n/a
$1,409 A+ 0 -3.16 -3.16 -3.26
$1,270 A 0 0 3.08 3.08
$1,176 A 0.8769 -51.6 -51.6 -47.1

 

 

Chart of Insurance Rates by Companies Serving Houston, Tx – Coverage: $350,000

The data shown below fits the following criteria:

  • County & ZIP Code: HARRIS 77002
  • Age of Residence: 10 years old (1-34)
  • Type of Construction: Brick Veneer
  • Claim History: Claim free 5 years
  • Credit Rating: Good Credit
  • Policy: Homeowners
  • Coverage Amount: Homeowners ​

 

Company Name Annual Sample Rate WITH wind coverage A.M. Best Rating Complaint Index % Rate Change WITH Wind Coverage
12mo 24mo 36mo
AIG PROPERTY CASUALTY COMPANY $2,224 A 0 0 3.15 3.15
ALLIED PROPERTY AND CASUALTY INSURANCE COMPANY $2,807 A+ 0 -4.13 -4.13 -6.5
ALLSTATE VEHICLE AND PROPERTY INSURANCE COMPANY $2,166 A+ 0 -3.99 -3.9 -4
AMERICAN MERCURY LLOYD’S INSURANCE COMPANY $2,396 A- 0 11.81 17.4 1.52
AMICA MUTUAL INSURANCE COMPANY $3,541 A++ 0.7554 1.9 6.89 n/a
ASI LLOYDS $1,790 A 0.8769 -52.4 -52.4 -47.9
AUTO CLUB INDEMNITY COMPANY $3,310 A+ 0.9339 0 6.12 8.91
CHUBB LLOYDS INSURANCE COMPANY OF TEXAS $3,178 A++ 0 4.06 14.85 14.85
CONSOLIDATED LLOYDS $3,810 0 0 0 35.68
ENCOMPASS INDEMNITY COMPANY $6,615 A+ 2.1905 36.03 55.65 58.82
LIBERTY INSURANCE CORPORATION $4,641 A 0.916 17.73 35.81 79.67
METROPOLITAN LLOYDS INSURANCE COMPANY OF TEXAS $2,120 A 0.7247 n/a n/a n/a
NATIONAL SPECIALTY INSURANCE COMPANY $2,612 A 0 0 9.29 3.83
NATIONAL SURETY CORPORATION $2,806 A+ 0 27.55 52.42 48.7
NATIONWIDE GENERAL INSURANCE COMPANY $2,878 A+ 1.2996 8.24 -16.2 -13.0
SAFECO INSURANCE COMPANY OF INDIANA $4,303 A 1.3324 53.19 79.08 77.82
STATE FARM LLOYDS $6,541 B++ 1.2578 -4.32 4.88 23.9
TEXAS FAIR PLAN ASSOCIATION $3,331 1.1742 0 18.04 18.04
TEXAS FARM BUREAU MUTUAL INSURANCE COMPANY $4,637 A- 0.9991 3.18 12.71 20.57
TEXAS FARMERS INSURANCE COMPANY $7,141 A 0.9926 -5.15 22.7 60.61
TRAVELERS HOME AND MARINE INSURANCE COMPANY, THE $3,051 A++ 0 7.17 n/a n/a
UNITED PROPERTY & CASUALTY INSURANCE COMPANY $3,928 0 1.7 n/a n/a
UNITED SERVICES AUTOMOBILE ASSOCIATION $3,569 A++ 0.4783 2.65 28.81 27.29
UNITRIN SAFEGUARD INSURANCE COMPANY $3,103 A- 4.1828 1.31 19.44 19.44
USAA TEXAS LLOYD’S COMPANY $3,559 A++ 0.3401 2.74 28.99 27.47

 

 

Farmers Insurance is another Houston homeowners insurance option. The firm prides itself on its quick turn-around time on all claims and its excellent customer service and support. The firm will go out of its way to provide the full amount of insurance claim that you deserve. Deductibles and monthly premium payments are a little higher but in exchange you are more likely to win a claim when you submit it. For example, if a contractor damages your home while they are repairing or renovating it, you can get coverage from Farmers for that damage that is a part of your overall plan and does not require an additional add on. Furthermore, Farmer’s provides a whole suite of investment, business, life and vehicle insurance products.

Nationwide is one of the most well-known insurers in the area. They provide a range of services and have a very strong financial backing. Nationwide has a very strong marketing plan and has a presence on TV, radio and online. However, they focus on auto insurance so the their providing of homeowners insurance in Houston is not quite as strong. Premiums are a bit high vs. the value they provide for claims.

Allstate is another insurance company that provides services in the region. Different homeowners insurance policies from Allstate vary in scope. For example, if you would like a relatively less expensive option, you can forego ice damage coverage. While the risk of ice damage in Houston is very low, it is not out of the question. Storm and hurricane damage is much more common, and is a more standard feature of policies. The firm has a prominent renters insurance offering as well that protects from theft or weather damage to personal property.

Consumers living in Houston with a homeowners insurance option often have homes with landscaping and gardens. Many wonder whether there current policies cover damage. Things like falling trees are covered as long as they damage a part of the property, if they fall without any damage, the removal may not be covered. There are additional Homeowners Insurance Houston policy coverage options that would pay for the removal of such items as trees or other landscaping failures.

For those with pools in their backyard, there are additional options for good insurance coverage in Houston. Not only for repair and emergency cleaning, but also in the case where there is an injury due to your own liability. All of the major companies listed above have options for pool insurance.

The Homeowners Insurance Houston market continues to grow and expand. As the region’s economy diversifies and expands, the insurance market also continues to grow. Homes are still sprouting up all around the region both from Downtown, to Katy, to Sugarland, to Pearland, to Pasadena. Transactions for new and old homes alike continues to grow and with each transaction, a new Houston homeowners insurance policy is required. For more information, please review the following money site. It provides more info an smart financial decision making.

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