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Homeowners Insurance recs

882 Views | 5 Replies | Last: 9 days ago by Red Pear Felipe
aggiegolf86
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9:58a, 2/24/26
AG
Currently have USAA but moving soon and wanting to shop around for best rates.

What are some good ones to look into?
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inozips
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4:45p, 2/24/26
AG
1) Find an independent agent in your area, they can shop several carriers on your behalf.
2) Don't be afraid to solicit direct writers, State Farm for example.
3) Maybe there is a mutual company in your area? If the loss experience is good, most mutuals will return a percentage of your premium.

I left USAA years go, since have been with Federal National, Allstate & State Farm. Claim experience with Allstate was below average. Typically but not always having your homeowners and auto coverage with one carrier provides a discount. Party on!!!
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DfwAg11
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In reply to aggiegolf86 • 8:43p, 2/24/26
Sent you a DM
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The Silverback
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6:55a, 2/25/26
AG
More than happy to see what I can do for you, I own an Independent Agency in Austin but write all over Texas.

Matt@Dimitexas.com
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FightinTAC08
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12:20a, 2/28/26
AG
There's no right answer. Shop them all. For years USAA has valued my dwelling at 800-900k and wanted 2% deductible and 8,000 premium.

This year State Farm finally forced me to 2% and 6,000 premium.

I just switched to usaa this week because they now are at 670k, 2%, and 2,900. All the other direct quote and agent quotes couldn't compete on home this year. My auto is staying at State Farm because they've been cheapest for 5 years now.


It really all depends on your insurance score, actuarial tables, your home details and zip code.

You will get a drastically differ t answer than the guy next door
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Red Pear Felipe
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7:14p, 2/28/26
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Call Liere. I've been a proud customer for about 15 years now.
Sponsor Message: We Split Commissions. Full Service Agents in Austin, Bryan-College Station, Dallas-Fort Worth, Houston and San Antonio. Red Pear RealtyAustin Monthly
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