Best Home Insurance in Dallas


If you’re looking for home insurance in Dallas, read this guide on the top providers that serve the area.

Home insurance policies help you rest easy at night. If you’re dealing with the aftermath of an unexpected disaster like a fire or windstorm, your home insurance policy can help cover the costs of rebuilding or repairing your home’s structure and replacing your personal property.

With several companies offering home insurance in Dallas, finding the right provider for you requires a lot of research. That’s why we’ve done the homework for you, researching factors like coverage, cost, and the customer service quality of each major player in the industry and compiling this list of the top homeowners insurance companies in the area.

To get free quotes from providers near you, call 855-948-5219 or enter your zip code in the tool below:

Top 4 Home Insurance Companies in Dallas

The highest-rated homeowners insurance companies in Dallas include:

  1. Allstate: Best Overall
  2. Farmers: Most Customizable Coverage
  3. Amica: Best Customer Service
  4. Lemonade: Best Value

The best home insurance companies in Dallas offer comprehensive coverage and a variety of endorsements to customize your coverage. Learn about what makes each provider stand out.

Compare the Best Homeowners Insurance Companies in Dallas

See how the top homeowners insurance companies in Dallas stack up on key metrics.

*Cost may be calculated for homes of slightly varying values

Industry-Standard Coverage

Most home insurance companies offer six basic types of coverage—dwelling, other structures, personal property, loss of use/additional living expenses, personal liability, and medical payments to others. All of our top picks offer these protections. You can find a breakdown below.

1. Allstate

Allstate is the second-largest home insurance in the country, with a longstanding reputation and proven track record. The company offers a wide variety of endorsement options, along with impressive customer service. Its 24/7 customer service center is available to answer all home insurance questions and is not restricted to claims questions, like many of Allstate’s competitors’.

Weigh the pros and cons of Allstate below.

Plans and Pricing of Allstate

We received an instant quote for a new construction, single-family, approximately 2,000-square-foot home in Dallas valued at roughly $210,000. The monthly premium came out to $168.


Allstate offers many discounts to help reduce your premium:

  • Multi-policy
  • Early signing
  • Claim-free
  • Home alarm
  • Roof
  • Smoke-free
  • Storm shutter
  • Homebuyer
  • Easy Pay Plan
  • Age 55 and retired
  • Welcome and loyalty

Allstate Endorsements

Here you’ll find a sample of Allstate’s add-on coverage options. Add-on coverages can vary depending on the state, so you’ll need to check your personalized quote to find out which ones are available in your area.

2. Farmers

Farmers has a solid reputation in the homeowners insurance industry, offering comprehensive coverage and some standout features. Claim forgiveness will waive your surcharge if you go for five years or longer without filing a claim, and the declining deductibles policy that means every year your policy is in force, Farmers will reduce your deductible by $50.

Weigh the pros and cons of Farmers below.

Plans and Pricing of Farmers

We received an instant quote for a new construction, single-family, approximately 2,000-square-foot home in Dallas valued at roughly $220,000. The monthly premium came out to $62.75.


Farmers offers several discounts to help reduce your monthly premium:

  • Claim-free
  • Non-smoking
  • Multi-policy
  • Protective devices
  • New home
  • Roofing materials

Farmers Endorsements

Farmers offers relatively few endorsements to customize your coverage.

3. Amica

Amica is our top choice for customer service, offering extensive coverage and perks like the Contractor Connection program. This feature connects experienced, vetted contractors with homeowners within 24 hours for repairs. All workmanship comes with a five-year warranty guarantee, and homeowners can track the repair progress online.

Weigh the pros and cons of Amica below.

Plans and Pricing of Amica

We received an instant quote for a new construction, single-family, approximately 2,000-square-foot home in Dallas valued at roughly $220,000. The monthly premium came out to $214.


Amica offers a range of discount opportunities:

  • Multi-policy
  • Claim-free
  • E-discount
  • Autopay
  • Loyalty
  • Alarm system
  • Automatic detection devices
  • New and remodeled homes

Amica Endorsements

Amica offers a variety of optional add-on protections.

4. Lemonade

Lemonade is a new home insurance company with an emphasis on technology and charity. Its convenient mobile app allows homeowners to upload videos explaining their claim, and nearly a third of claims are handled instantly. All of the money for Lemonade premiums is pooled into one pot. Any leftover money at the end of the year is donated to charity.

Plans and Pricing of Lemonade

We got an instant quote for a single-family, new construction, approximately 2,200-square-foot home in Eureka, California. The premium came out to the affordable rate of $60.75. You can request a quote online to find out how much it would cost to cover your Dallas home.


Lemonade offers several discounts:

  • Fire protection
  • Protective devices
  • Gated community
  • Multi-policy

Lemonade Endorsements

Lemonade offers a variety of add-on protections.

Our Conclusion

All of the homeowners insurance companies we chose stand out in different ways. Allstate has proven to be the best overall option, with a 24/7 customer service center available to answer any questions and an extensive range of endorsements. Amica has impressive customer service, including the Contractor Connection program that can speed up the process for repairs. Farmers offers perks like claim forgiveness and declining deductible, and Lemonade offers a technology-forward approach that simplifies the process of filing and resolving claims.

Before you purchase a home insurance policy in Dallas, we recommend getting a free quote from all four providers by calling 855-948-5219 or using the tool below:

Frequently Asked Questions

What is the average monthly cost for homeowners insurance?

According to Zillow, on average, people pay roughly $35 per month for every $100,000 of home value, but it can vary broadly depending on city, state, and by insurance company.

How can I lower my homeowners insurance?

There are several ways to lower your homeowners insurance. You can increase your deductible, improve your home security to qualify for a protective devices discount, shop around, and bundle policies.

Is Geico a good homeowners insurance company?

We believe Geico is a solid homeowners insurance company with decent rates and comprehensive coverage. However, the company does not underwrite its own policies, adding a layer of complexity to its customer service.

Our Methodology

The This Old House Reviews team values accuracy, transparency, and trust. With that in mind, we created a thorough, objective rating system to score each home insurance company based on the following six factors:

  • Coverage (30)
  • State availability (7.5)
  • Customer service (15)
  • Technology (12.5)
  • Reputation (20)
  • Additional benefits (15)

Our Reviews team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability. Read more on our methodology here.

To share feedback or ask a question about this article, send a note to our Reviews team at

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