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Best Homeowners Insurance in Texas for 2020 + Rates and Tips!

I'm sure you can agree that buying homeowners insurance can be difficult, it can also be tricky to find best homeowners insurance in Texas .

But guess what, you're lucky:

Not only can buying homeowners insurance be extremely easy, but the best homeowners insurance company in Texas also allows you to apply online for coverage in minutes.

In today's post I will cover which insurance company is best for homeowners in TX, how their product works, and how to get Texas home insurance online.

What Does Homeowners Insurance In Texas Cost [19659006] The Average Annual Premium In Texas Is – $ 1,947

How We Chose The Best Home Insurance In Texas

One Of The Biggest Investments You Will Ever Make of buying a home.

Unfortunately, most of us do not shop when it comes to homeowners insurance but we shop for items that do not need anywhere so close to an investment.

To make it easier for you, we found the best home insurance provider in the state based on a few factors:

  • Pricing
  • Company Financial Ratings
  • Baseline Coverage Options
  • Application Process Speed ​​
  • How Quickly You Can Be Approved [19659015] While no two insurance companies are the same, we all based on basic coverage options along with the other above factors to choose the best company.

Home insurance is made easy.

Agents not required.

Get a quote and register online without talking to an agent. But we're here if you need us.

Undistributed, expert advice.

Get impartial insurance training from licensed experts and also avoid dubious sales calls.

Coverage in minutes.

You can get home insurance. coverage within minutes of receiving your offers and application.

Why Hippo is the Best Home Insurance in Texas

Hippo has come out of the corner and turns and literally beats the competition with his new view of Texas homeowners. [19659002] Although Hippo was founded in 2015, they are supported by some of the largest insurance companies in the world, such as Topo, which has an A (excellent) rating from AM Best.

Hippo takes a more modern view of Texas home insurance by offering things like:

  hippo insurance logo

About Hippo Home Insurance

Hippo is the newest player in the home insurance world but is supported by TOPA Insurance Company.

As of today, TOPA has an A (excellent) rating with AM Best.

Hippo believes that large homeowners should be affordable, smart, comfortable and fast.

Hippo wants to make sure you can get a homeowner's insurance policy that covers you for the most relevant things today.

  • Coverage for your home office
  • Available in: AL, AR, AZ, CA, CO, CT, DE, GA, IL, KS, KY, IN, MD, MN, MO, MS, NH, NE, NJ , NM, NV, OH, PA, SC, TN, TX, UT, VA, WA, WI
  • Free water leakage sensor For home
  • Share insurance available
  • Quotation of 60 seconds
  • Mortgage protection
  • A simple, 100% online application and E-signature process

A free (Ro ost Water Leak Sensor) With Every Policy

With each policy, Hippo offers a free Roost water leak sensor that has a value of $ 50.00 . According to Roost, you can outsmart water with their smart water leak and freeze detector. So it works is that you place it wherever there is a risk of flooding or leakage and if it senses water, it sends a warning to your smartphone.

Simply insurance thinks

Hippopotamus has come out of the gates and turns against its competitors with an average of 25% lower premiums. They also have a much faster application and approval process that does not require an agent to complete. Hippopotamus is the best answer if you need quick quotes and quick coverage.

Want to learn more? Check out our full Hippo Homeowners Insurance Review.

Why Homeowners Insurance in Texas Is Different

  Home Insurance Texas

This was over $ 700.00 more per year than the national average for home insurance listings in Texas.

Because Texas is so huge, part of it is based on your location in the state and the other part is based on the large numbers and levels of natural disasters that occur in Tx.

According to US Tornadoes, about 147 Tornadoes touchdown in Texas each year.

Just look at the map below they created:

  homeowners insurance around texas

These tornadoes cause damage in the form of:

  • Fire & Smoke
  • Freezing Of Plumbers
  • ] Wind Damage
  • Weight on Snow, Ice and Snow
  • Hail Damage
  • Freezing Air Conditioning

The good news is that your Texas home insurance through Hippo will cover all of these things and more. [19659061] Homeowners Insurance Texas Survival Guide

The cost of your home insurance will be determined by the coverage levels you purchase as well as the value of your home and the part of Texas you live in. [19659063] Know your deductibles (wind and hail or hurricane ) [19659064] Hippopotamus offers separate deductibles for both Wind & Hail and hurricane coverage, so it is extremely important to know what each deductible will be for each type of covered loss.

The reason why this is important is that all deductibles must be paid separately.


If you paid your general deductible for the year and your home is damaged by Wind or Hail, you must pay that deductible in full before the insurance company covers the rest.

Have an Inventory of Your Home Somewhere

The Texas Department of Insurance created this nifty home inventory checklist for everyone to print and use.

You can go room by room and record each item along with the price and date of purchase.

A list like this is important when it comes to filing to find out what has been lost and especially to file a claim.

Keep in mind that number 6, nationwide for home insurance claims, was theft, so having that emissary list of your things is a great idea.

Have A Plan & A Survival Kit

If you had seen the latest episodes of 911 (shouts to Angela Bassett), you would have seen the entire "Earthquake" series of episodes.

The biggest thing that stood out was that her family had survival rates, the only thing they lacked was a definite place to meet.

It will be just as important if a disaster occurs.

Also try to keep a copy of all your important documents in your Survival Kit or somewhere online.

What is the average homeowner's insurance rate in Texas?

Your annual premium will depend on several factors such as the size and address of your home and whether you add additional coverage options.

Texans, however, pay on average about twice (twice) the national average.

According to the Insurance Information Institute the average cost of homeowners insurance is about $ 1,937 in Texas.

Can You Get Flood Insurance in Texas?

You can get flood insurance if you live in Texas.

You will probably need to go through the National Flood Insurance Program a government-supported service that provides flood insurance.

How to Find the Best Homeowners in Texas
[19659025] As with everything, once you know how a product or service works, the next question is where to find it and how to buy your home insurance.

When it comes to buying homeowners in Texas, there are only two places to search:


Buying online through a site like ours will be one of the best places to find homeowners in Texas.

When you shop online, you can get the fastest quote and easy comparisons from Texas homeowners.

You can go directly to companies like Hippo by clicking on our link to the right or check out our review here .

When shopping online for coverage, give yourself the opportunity to buy on your own pace, and you can usually be quoted and covered in minutes and not days.

As previously mentioned, you can also get much lower prices by joining companies like Hippo that send more savings to customers.

Through an Agent

Talking to an agent is also a great option to find Texas homeowners insurance information and get covered.

If you think you want to be free and have someone to guide you through the process, there is no better option for you.

Home insurance easy.

Agents not required.

Get a quote and sign up online without talking to an agent. But we're here if you need us.

Undistributed, expert advice.

Get impartial insurance training from licensed experts and also avoid questionable sales calls.

Coverage in minutes.

You can get home insurance. coverage within minutes of receiving your quotes and application.


We must stop taking what the mortgage lenders or realtors are proposing when it comes to getting homeowners in Texas . ] As I mentioned above, according to Hippo, over 70% of the population stated that they do not research or shop for home insurance during their most recent study.

This is the worst number ever, and you should not be part of the 70+ percent of the population.

You can click here to start your journey to coverage now or check out our review of Hippo which we have found to be one of the best Texas home insurance companies 2020.

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