15 carriers raised and 7 carriers cut Texas homeowners rates in 2026. Homeowners rate hikes hit at renewal — the fastest way to stop overpaying is to compare carriers for your ZIP.
Carriers that raised Texas home rates in 2026
| Carrier | Filed avg | Effective | Source |
|---|---|---|---|
| Safeco Safeco / Liberty | +1.7% | — | SERFF #LBPM-134955492 ↗ |
| Progressive ASI Lloyds (Progressive/ASI home) | +18.0% | Aug 6, 2025 | SERFF #AMSI-134402892 ↗ |
| The Hartford Hartford Insurance Company of the Southeast | +9.9% | Aug 14, 2025 | SERFF #HART-134609036 ↗ |
| State Farm State Farm Lloyds | +19.1% | Aug 15, 2025 | SERFF #SFMA-134605527 ↗ |
| Texas Farm Bureau Texas Farm Bureau Underwriters | +29.8% | Sep 22, 2025 | SERFF #TXFB-134671895 ↗ |
| Amica Amica Mutual Insurance Company | +10.1% | Jan 1, 2026 | SERFF #AMMA-134668220 ↗ |
| Foremost Foremost Insurance Company (Farmers) | +17.2% | Jan 15, 2026 | SERFF #FORE-134723042 ↗ |
| Allstate Allstate Vehicle And Property Insurance Company | +8.0% | Jan 26, 2026 | SERFF #ALSE-134802108 ↗ |
| USAA USAA Casualty / Garrison | +8.5% | Apr 19, 2026 | SERFF #USAA-134863482 ↗ |
| Allstate Allstate entities (Texas Lloyd's et al.) | +8.7% | Apr 20, 2026 | SERFF #ALSE-134902795 ↗ |
| Farmers Texas Farmers Insurance Company (dominant of 4 entities; +2.2% to +6.2%) | +6.2% | May 26, 2026 | SERFF #FARM-134961095 ↗ |
| Farmers Farmers Lloyds of Texas | +4.8% | Jun 30, 2026 | SERFF #FAIG-134980611 ↗ |
| Chubb Chubb (ACE) | +2.9% | Aug 8, 2026 | SERFF #ACEH-134781856 ↗ |
| Texas FAIR Plan Texas Fair Plan Association | +16.9% | Sep 1, 2026 | SERFF #TWIA-134850628 ↗ |
| Horace Mann Horace Mann Insurance Company (dominant of 2 entities; +4.4% to +4.4%) | +4.4% | Dec 1, 2026 | SERFF #HRMN-134962356 ↗ |
Carriers that cut Texas home rates in 2026
| Carrier | Filed avg | Effective | Source |
|---|---|---|---|
| Travelers Travelers Lloyds of Texas | −5.0% | — | SERFF #TRVD-G134788404 ↗ |
| Homebound Homebound Insurance Exchange | −14.0% | Feb 20, 2026 | SERFF #NLGA-134978400 ↗ |
| Mercury Mercury Insurance Company Of Texas | −3.3% | Feb 25, 2026 | SERFF #MERY-134700067 ↗ |
| Vault Vault Reciprocal Exchange | −29.7% | Mar 26, 2026 | SERFF #SPIS-134789592 ↗ |
| Homeowners of America Homeowners of America Insurance Company | −4.9% | Jun 5, 2026 | SERFF #HAIC-134956525 ↗ |
| Texas FAIR Plan Texas FAIR Plan Association | −25.0% | Sep 1, 2026 | SERFF #TWIA-134850673 ↗ |
| Texas FAIR Plan Texas Fair Plan Association | −7.5% | Sep 1, 2026 | SERFF #TWIA-134850657 ↗ |
Are you actually getting the new rate?
Approved changes are statewide averages, and they reach your policy at renewal. A cut often reaches new buyers first; a hike lands on your next renewal notice. Re-shopping is the only way to know you’re on the best current price for your home.
Figures are filed/approved statewide-average changes from each state’s Department of Insurance (CA via CDI, TX via data.texas.gov, others via SERFF). Individual rates vary by home, roof age, and risk. Each filing links to its source. Not a quote.