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They say everything's bigger in Texas, even the perks of living there! Houston's bustling gulf-side communities, the proud Texan culture of Dallas, Austin's lively music scene, San Antonio's rich history – there's plenty to love no matter which Texan city you call home.
Protect the home you love with coverage from Nationwide. Nationwide helps homeowners like you safeguard the things that matter most from covered damages, theft and more. See how you can save even more before starting your Texas home insurance quote today.
Texas homeowners coverages and discounts
What we can cover
Homeowners insurance can protect your home against theft, fire, lawsuits, weather damage and other covered losses.Explore coverages & options
Brand New Belongings®
Repair or replace your covered possessions, regardless of age or condition.Get Brand New Belongings®
Homeowners insurance discounts
Making your policy more affordable.See how you can save
Bundle your insurance policies and save money
The savings can be bigger in Texas too. Bundling your home and auto policies with Nationwide can save you up to 20 percent on your coverage. That's more money for an extra trip to one of San Antonio's famous amusement parks or to hit more live shows on Austin's 6th Street. You can also bundle other coverages such as boat and auto, multicar, and auto, home and life insurance. Get all the coverage you need in one place and save more of your money for enjoying everything Texas has to offer.
What factors go into determining a homeowners insurance rate?
While the average cost of homeowners insurance varies based on a number of components, these are common factors that insurance companies use to assess risk and determine your rate:
Location includes the state, ZIP code, and claims history of the area.
The materials that were used to build the house. If a custom home is being built additional coverage may be required to cover the construction site.
Age of the house
How new or old the house is, and the upgrades that were made to an older home.
The replacement cost is the cost of fully rebuilding the same house. This is typically assessed by an appraiser.
Owning a swimming pool may increase your liability coverage to cover possible injuries.
If you a run a business out of your home your premium may increase to cover the inventory, equipment, and supplies.
The type of coverage you choose and how much personal property and liability protection you want your home insurance policy to cover.
Find Nationwide Insurance near you in Texas
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Free homeowners insurance review
- Increase or decrease your deductible(s)
- Determine the home insurance coverage options that are right for your budget and situation. For instance, did you recently build a garage or gazebo you need covered? Have you installed a protective device that could qualify you for a discount? The On Your Side® Review is a great time to make these types of updates to your policy.
- Review our responsive home insurance claim policy
Nationwide coverage in Texas
 Water Backup is an optional feature. Exclusions and limits apply. Details vary by state and policy language. Please consult your policy for the specifics of your selected coverages.
Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.