Anyone know any good home insurance company in the Houston, TX are for a good price?

Question

Looking to get home insurance on new home. Looking for a good rate.

Answer 1

Nationwide is a good company. Used them for the last 10 years.

Answer 2

Being from TX I can understand your concern about "price". But keep in mind that you get what you pay for. This is sooo true with Homeowner Insurance.

I would start with:

1. State Farm

2. Germania

3. USAA (if you qualify...they are #1 by a long shot)

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You may pay a little less for companies like Allstate, Nationwide or Farmers...but I have seen their customers get underpaid for the claim time & time again. I would feel uncomfortable having them as my insurer. Good luck!

Answer 3

We use State Farm.  I never have had a home claim but I know someone who did and they received excellent service.  I've used them for car claims and they are very helpful.

Answer 4

We use Allstate because we also get a slight discount for having our cars with them.

I doubt there's much cost difference in policy's only quality of service and if they'll be there for you when you need them. You won't know that until something happens.

Allstate has always been there for us, but I can find 10 people who will tell you they had Allstate and screwed them over.

Get an agent that will actually do more then sell you and evaporate. When you need red tape cut at the company a good agent is indispensable. We have one that takes care of us when the company drags their feet.

Answer 5

Rates can vary by hundreds of dollars based on where you live in Texas, distance to the fire department, type of home, etc, etc.

Really the only way for you to know for sure which company would be best for you is to get multiple quotes.

According to one of the sites that I use to research a lot of my answers the average on line shopper saves 30% - 40% by shopping on line.  One of the main reasons is because by using a free on line quoting service you fill out a quote request and then they forward it to multiple companies and agents.

I have used their site to save money on both my home and auto.  I requested quotes from each of the links that they listed in both categories and ended up saving about $600 in all.  It took a little time to fill out the quote request through each service and to compare all the quotes but to me $600 was well worth it.