Comparison of the Best Texas Homeowners Insurance Companies

In order to find the best Texas homeownersFarmers Insurance Company popular among
insurance company it is important to do yourcustomers.
research and compare rates, policies, andThe company itself is quite large, falling into the
discounts from a number of different home$2 Billion or greater category, with a stable
insurance companies in TX. Here is a Texasoutlook for its financial future. Filed customer
homeowners insurance company review of someservice complaints are virtually nonexistent for
of the top home insurers in Texas:this company, as compared to the industry
AIG Advantage Insurance Companyaverage. Texas Farmers Insurance Company was
AIG Advantage Insurance Company prides itselfalso rated excellent, an "A" grade, by the
on offering high quality insurance plans at aregulating agency A.M. Best, which makes it a
competitive rate. AIG offers customizable plansreliable company.
depending on each individual client's needs. WithTravelers of Texas Insurance Company
various options in the homeowners' insuranceTravelers Insurance Company's homeowners
plans, clients are able to select the coverage theypolicy is unique because it not only provides the
need, while avoiding paying for things they don'tall-inclusive aspect of typical policies, but it also
need. AIG offers typical homeowners insuranceallows clients to choose extra options to fit the
coverage such as theft, fire, and water damage,policy best with their own needs. For example,
but also offers additional options such as rebuildingsome coverage options offered by Travelers
costs, additional living expenses, landscapinginclude identity theft protection, valuable items
coverage, lock replacement, etc. These additionalprotections, flood coverage (not covered under
features are appealing to many clients who wishmany homeowners policies), and boat insurance
to customize their insurance plan.for small personal watercrafts. These options can
AIG Advantage falls into the "XI" category basedcome at large costs with other insurance
on financial size, meaning it is a $750 Million to $1companies, but are offered as an additional option
Billion company with a financial outlook for yearswith a Travelers of Texas Insurance Company
to come as "stable." AIG Advantage received anpolicy.
"A+," or superior, rating from the regulatingIt is important to know, however, that according
agency A.M. Best. Overall, AIG Advantage is anto NAIC.org, Travelers did receive a small amount
excellent homeowners insurance provider basedof customer service complaints for the year
on its ratings, financial stability, and customization2006, mainly regarding delays in claim handling and
of plans.unsatisfactory settlements. Overall, though,
Universal Insurance Company of TexasTravelers of Texas Insurance Company did
Universal Insurance Company of Texas is areceive an "A+," superior, rating according to A.M.
subsidiary of Universal Insurance Holdings of NorthBest, and was given a stable financial outlook for
America, owned by Universal Group, Inc. Basedfuture years.
out of San Antonio, Texas, this insuranceSF Insurance of Texas
company provides homeowners insurance toSF Insurance may be one of the most common,
consumers. Types of homeowner coveragewell-known insurance companies, insuring over 15
include burglary, theft, fire, and other damages tomillion homes today. SF's viewpoint is that the
a home, depending on the selected insurancebroad protection of a Texas homeowners
policy.insurance policy doesn't have to come at an
Universal Insurance Company recently earned aexpensive price. Reasonable rates, as well as
rating of "A," or excellent, by A.M. Best, as well aspremier customer service makes SF a common
the same rating from the regulating agencychoice for an insurance provider. An interesting
Demotech, Inc. Universal Insurance Company ofaspect of SF is that they also provide coverage
Texas has maintained great customer serviceto manufactured homes, which many insurance
ratings, as they received no reported complaintscompanies ignore. Owners of manufactured
as compared to the national median. Universalhomes may find SF to be one of the most
Insurance Company of Texas is a very financiallyaccommodating insurance providers for this type
stable company, with a unique Reinsuranceof coverage.
program in place to continue its financial stability inSF did receive customer service complaints for
the future.the past year, mainly regarding claim handling
Texas Farmers Insurance Companydelays. SF Insurance - Texas falls into the "XIII"
Based out of Austin, Texas Farmers Insurancefinancial size category, a $1.25 Billion to $1.5 Billion
Company is a large provider of homeowner'scompany. Its financial outlook is stable, and it was
insurance policies to residents of Texas. Therecently rated "B++," or good, by A.M. Best. The
insurance policies of this provider consist of threebroad range of options and coverage, though,
main areas: dwellings and structures, personalmay outweigh the slightly lower ratings of this
property, and personal liability. Customers withcompany.
Texas Farmers Insurance plans receive coverageCompare Texas Homeowners Insurance
for their home and other detached properties,Companies Now!
personal belongings within their home, as well asNo one insurance company is best for every
coverage for someone who gets injured on theTexas resident so shop around and see which
property and damages to the property. Thisone will best meet your needs.
comprehensive, all-inclusive aspect makes Texas