7 carriers raised and 2 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 | Change | Effective | Source |
|---|---|---|---|
| Safeco Safeco / Liberty | +1.7% | — | TX TDI open data. |
| State Farm State Farm Lloyds | +19.1% | Aug 15, 2025 | TX TDI open data |
| Texas Farm Bureau Texas Farm Bureau Mutual | +29.8% | Sep 22, 2025 | TX TDI open data (data.texas.gov iubg-btfs) |
| USAA USAA / USAA Texas Lloyd's | +7.3% | Apr 19, 2026 | TX TDI open data. |
| Allstate Allstate Texas Lloyd's / entities | +8.7% | Apr 20, 2026 | TX TDI open data. |
| Farmers Farmers Lloyds of Texas | +4.8% | Jun 30, 2026 | TX TDI open data |
| Chubb Chubb (ACE) | +2.9% | Aug 8, 2026 | TX TDI open data. |
Carriers that cut Texas home rates in 2026
| Carrier | Change | Effective | Source |
|---|---|---|---|
| Travelers Travelers Lloyds of Texas | −5% | — | TX TDI open data. |
| Homeowners of America Homeowners of America Insurance Company | −4.9% | Jun 5, 2026 | TX TDI open data |
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). Individual rates vary by home, roof age, and risk. Each filing links to its source. Not a quote.