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The average cost of home insurance in Garland, TX, is $1,649, which is comparatively higher than the national average premium of $1,438. Garland homeowners choose home insurance companies based on how reasonably priced their quotes are. However, homeowners should also consider other factors such as claims processing speed, customer service, and availability of discounts before choosing the best home insurance company. Below are the top 5 home insurance companies in Texas according to market share.

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State Farm

State Farm is the most prominent company in Texas, occupying the majority of the market share with 19.55%. The renowned home insurance company has written direct premiums worth $1,847,041. It has earned direct premiums worth $1,842,124. State Farm holds a financial strength rating of A++ from A.M. Best for its superior financial capacity to grant potential claims of current Garland policyholders. It also received a customer satisfaction score of 4/5 from J.D. Power based on the feedback collected from policyholders.

Allstate

Allstate comes second to State Farm in terms of market share, occupying 13.08% of the home insurance market. Allstate has written direct premiums of $1,236,065 and earned direct premiums of $1,178,535. Allstate has the superior financial ability in granting potential claims of current Garland policyholders and has been awarded a rating of A+ from A.M. Best. It received a customer satisfaction score of 3/5 from J.D. Power’s customer feedback survey.

Farmers

Farmers is another major player in the insurance segment, holding a market share of 10.39% in Texas. The company has direct premiums written for a total value of $981,914. It has earned direct premiums worth $964,870. Farmers holds a financial strength rating of A+ for their superior financial ability to grant claims of current policyholders. According to customer feedback curated by J.D. Power, Farmers received a customer satisfaction rating of 3/5.

USAA

Even though USAA only offers its services to veterans, active, and retired military personnel, it has managed to hold a market share of 9.70%. It has direct premiums written worth $916,464, and direct premiums earned worth $881,961. USAA is the only home insurance company other than State Farm to receive a financial strength rating of A++ for its superior financial ability in granting claims of current Garland policyholders. It also holds a perfect customer satisfaction score of 5/5 from J.D. Power.

Liberty Mutual

According to NAIC, Liberty Mutual holds a market share of 7.37% in Texas. The home insurance company has direct premiums written worth $696,450 and direct premiums earned worth $706,863. A.M. Best rated Liberty Mutual with an A for its excellent ability to grant potential claims of current policyholders. In terms of overall customer satisfaction, Liberty Mutual received a score of 3/5 from J.D Power.