If you’re searching for the best homeowners insurance in Austin, read on to find out our top picks.
A homeowners insurance policy can protect you from serious expenses if your home gets damaged or destroyed. Instead of paying thousands out of pocket to repair or rebuild your home’s structure and replace your personal property, you can rely on your monthly premium to help safeguard your finances.
Unfortunately, it can be difficult to choose the best home insurance company for you. There are many providers that service Austin, Texas, but they are not all equal. They can differ in terms of overage, cost, and customer service quality.
Austin’s Top 4 Homeowners Insurance Companies
The highest-rated homeowners insurance companies in Austin include:
- Allstate: Best Overall
- Amica: Best Customer Service
- Travelers: Most Experience
- Lemonade: Quickest Sign-Up
The best home insurance providers in Austin offer extensive coverage, including a variety of endorsements to customize your coverage, and affordable monthly premiums. Below is a breakdown of how the companies compare to one another.
Compare the Best Homeowners Insurance Companies
See how the top homeowners insurance companies in Austin stack up on key metrics.
*Cost may be calculated for homes of slightly varying values
Most home insurance companies provide six basic forms of coverage—dwelling, other structures, personal property, loss of use/additional living expenses, personal liability, and medical payments to others. Each of our top picks offers these standard coverages. You can find a breakdown below.
Allstate is one of the largest home insurance providers in the entire country and sets itself apart with its many customization options and its 24/7 customer service center. Unlike some of its competitors, Allstate has a 24/7 center for all home insurance questions—not limiting communication with representatives to just claims. This makes it a convenient choice for homeowners who prefer to speak directly with customer service representatives in real time.
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 2,200-square-foot home in Austin valued at roughly $240,000. The monthly premium came out to $122.
Allstate offers a variety of discounts to help reduce your premium:
- Early signing
- Home alarm
- Storm shutter
- Easy Pay Plan
- Age 55 and retired
- Welcome and loyalty
Here you can see a sample of Allstate’s endorsements. Add-on coverages can vary depending on the state, so you should confirm which ones are available in your personalized quote.
Amica offers extensive protections and special features like Contractor Connection. This program connects vetted, experienced contractors with homeowners within as little as 24 hours for repairs. Homeowners can track the repair progress online, and all the workmanship comes with a five-year warranty.
Weigh the pros and cons of Amica below.
Plans and Pricing of Amica
We received an instant quote for a new construction, single-family, roughly 2,200-square-foot home in Austin valued at approximately $240,000. The monthly premium came out to $187.
Amica offers a range of discounts:
- Alarm system
- Automatic detection devices
- New and remodeled homes
Amica offers a variety of optional endorsements.
Travelers is a reliable home insurance company with more than 160 years of experience in the industry. The insurer provides a wide variety of add-on endorsements, with eco-friendly options like Green home, an endorsement that allows you to reconstruct your home after a covered loss with environmentally friendly materials in the event of a covered disaster.
Weigh the pros and cons of Travelers below.
Plans and Pricing of Travelers
We received an instant quote for a new construction, single-family, approximately 2,200-square-foot home in Austin valued at approximately $240,000. The monthly premium came out to $89.
Travelers offers several discounts to help you reduce the cost of your home insurance:
- Protective device
- Green home
Travelers offers multiple add-on coverage options.
Lemonade is a newcomer to the home insurance industry, offering a technology-driven approach and a focus on charity. The provider pools all of the money for premiums and donates whatever is left over at the end of the year to charity. To file claims, homeowners upload videos to a convenient mobile app, and nearly a third of claims are handled instantly.
Weigh the pros and cons of Lemonade below.
Plans and Pricing of Lemonade
We got an instant quote for a single-family, new construction, roughly 2,200-square-foot home in Eureka, California. The premium came out to the affordable rate of $60.75. You can get a free quote online to find out how much it would cost to cover your Austin home.
Lemonade offers several discounts:
- Fire protection
- Protective devices
- Gated community
Lemonade offers a selection of endorsements.
Each of the homeowners insurance companies we selected stands out in its own way. Allstate is the best overall option, with a wide range of endorsements allowing you to customize your policy and a 24/7 customer service center available to answer any questions. Amica has impressive customer service, including the Contractor Connection program. Travelers has a proven track record and more than 160 years of experience, and Lemonade offers a technology-forward approach and gives back to charity, so you can know that your company is supporting a good cause.
Frequently Asked Questions
What is the average cost of homeowners insurance in Texas?
Texas is the fifth-most expensive state for homeowners insurance, with an average cost of $3.249 per year, according to Zillow.
Who offers the best home insurance rates in Texas?
This will depend on a variety of factors, including the age and size of your home, the materials it was constructed with, the deductible you select, and more. Of the companies we’ve evaluated, Lemonade has some of the best homeowners insurance rates in Texas.
Who has the best homeowners insurance in Texas?
We believe that Allstate has the best overall homeowners insurance in Texas, and Travelers, Amica, and Lemonade are top options as well. Other top choices include Liberty Mutual, USAA, and State Farm.
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 firstname.lastname@example.org.