Directory · Texas · Homeowners
Who writes homeowners in Texas
Ranked by direct premium written in 2025 from the Texas Department of Insurance market share report (every company, not a top-N list).
147 companies wrote homeowners in Texas in 2025, $20.02B in direct premium. State Farm Lloyds led with 20.0%; the top five hold 45%.
By Sam Alishahi, independent insurance broker · All lines in Texas
Homeowners · Texas
The companies
| # | Company | NAIC | Home state | Status here | Premium | Share |
|---|---|---|---|---|---|---|
| 1 | State Farm Lloyds | 43419 | TX | Admitted (licensed) | $4.01B | 20.03% |
| 2 | Allstate Vehicle and Property Insurance Company | 37907 | IL | Admitted (licensed) | $2.66B | 13.28% |
| 3 | Travelers Personal Insurance Company | 38130 | CT | Admitted (licensed) | $835.8M | 4.17% |
| 4 | Homesite Insurance Company | 17221 | MA | Admitted (licensed) | $783.7M | 3.91% |
| 5 | United Services Automobile Association, USAA Reciprocal, Attorney-in-fact | 25941 | TX | Admitted (licensed) | $766.7M | 3.83% |
| 6 | USAA Casualty Insurance Company | 25968 | TX | Admitted (licensed) | $648.5M | 3.24% |
| 7 | American Economy Insurance Company | 19690 | IN | Admitted (licensed) | $595.1M | 2.97% |
| 8 | Mid-Century Insurance Company of Texas | 28673 | TX | Admitted (licensed) | $590.5M | 2.95% |
| 9 | Texas Farmers Insurance Company | 21695 | TX | Admitted (licensed) | $562.8M | 2.81% |
| 10 | ASI Lloyds | 11059 | TX | Admitted (licensed) | $466.5M | 2.33% |
| 11 | USAA General Indemnity Company | 18600 | TX | Admitted (licensed) | $451.3M | 2.25% |
| 12 | Texas Farm Bureau Mutual Insurance Company | 25380 | TX | Admitted (licensed) | $428.7M | 2.14% |
| 13 | Auto Club Indemnity Company | 11008 | TX | Admitted (licensed) | $385.1M | 1.92% |
| 14 | Chubb Lloyd's Insurance Company of Texas | 27774 | TX | Admitted (licensed) | $350.8M | 1.75% |
| 15 | Garrison Property and Casualty Insurance Company | 21253 | TX | Admitted (licensed) | $350.1M | 1.75% |
| 16 | SureChoice Underwriters Reciprocal Exchange | 17030 | TX | Admitted (licensed) | $298.0M | 1.49% |
| 17 | Allstate Texas Lloyd's | 26530 | TX | Admitted (licensed) | $284.3M | 1.42% |
| 18 | Homeowners of America Insurance Company | 12536 | TX | Admitted (licensed) | $258.7M | 1.29% |
| 19 | Nationwide Mutual Insurance Company | 23787 | OH | Admitted (licensed) | $225.9M | 1.13% |
| 20 | Texas Fair Plan Association | 11543 | TX | Admitted (licensed) | $220.0M | 1.10% |
| 21 | Mercury Insurance Company of Texas | 25470 | TX | Admitted (licensed) | $213.8M | 1.07% |
| 22 | Safeco Insurance Company of Indiana | 11215 | IN | Admitted (licensed) | $205.1M | 1.02% |
| 23 | Foremost Insurance Company Grand Rapids, Michigan | 11185 | MI | Admitted (licensed) | $191.3M | 0.96% |
| 24 | Liberty Mutual Personal Insurance Company | 12484 | NH | Admitted (licensed) | $187.3M | 0.94% |
| 25 | Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact | 12873 | FL | Admitted (licensed) | $175.9M | 0.88% |
| 26 | Amica Mutual Insurance Company, The | 19976 | RI | Admitted (licensed) | $161.9M | 0.81% |
| 27 | Benchmark Insurance Company | 41394 | KS | Admitted (licensed) | $146.3M | 0.73% |
| 28 | American Risk Insurance Company, Inc. | 12898 | TX | Admitted (licensed) | $144.4M | 0.72% |
| 29 | Economy Preferred Insurance Company | 38067 | IL | Admitted (licensed) | $127.4M | 0.64% |
| 30 | Allied Trust Insurance Company | 15816 | TX | Admitted (licensed) | $122.5M | 0.61% |
| 31 | Liberty Mutual Insurance Company | 42404 | IL | Admitted (licensed) | $111.4M | 0.56% |
| 32 | OCCIDENTAL FIRE \u0026 CASUALTY COMPANY OF NORTH CAROLINA | 23248 | NC | Admitted (licensed) | $109.4M | 0.55% |
| 33 | American Bankers Insurance Company of Florida | 10111 | FL | Admitted (licensed) | $103.9M | 0.52% |
| 34 | Elevate Reciprocal Exchange | 17363 | TX | Admitted (licensed) | $101.3M | 0.51% |
| 35 | Travelers Home and Marine Insurance Company (The) | 27998 | CT | Admitted (licensed) | $100.9M | 0.50% |
| 36 | American Modern Property and Casualty Insurance Company | 42722 | OH | Admitted (licensed) | $99.1M | 0.50% |
| 37 | Allstate Fire and Casualty Insurance Company | 29688 | IL | Admitted (licensed) | $89.4M | 0.45% |
| 38 | Integon National Insurance Company | 29742 | IL | Admitted (licensed) | $86.6M | 0.43% |
| 39 | Lemonade Insurance Company | 16023 | NY | Admitted (licensed) | $84.1M | 0.42% |
| 40 | Auros Reciprocal Insurance Exchange | 17642 | MS | Admitted (licensed) | $78.7M | 0.39% |
| 41 | AIG Property Casualty Company | 19402 | IL | Admitted (licensed) | $78.5M | 0.39% |
| 42 | Cincinnati Casualty Company (The) | 28665 | OH | Admitted (licensed) | $72.3M | 0.36% |
| 43 | Travelers Lloyds of Texas Insurance Company | 41564 | TX | Admitted (licensed) | $71.5M | 0.36% |
| 44 | Spinnaker Insurance Company | 24376 | IL | Admitted (licensed) | $64.2M | 0.32% |
| 45 | Woodlands Insurance Company, The | 15545 | TX | Admitted (licensed) | $62.4M | 0.31% |
| 46 | Foremost Lloyds of Texas | 41688 | TX | Admitted (licensed) | $62.0M | 0.31% |
| 47 | Hartford Insurance Company of the Southeast | 38261 | CT | Admitted (licensed) | $61.3M | 0.31% |
| 48 | Peerless Insurance Company | 24198 | NH | Admitted (licensed) | $59.5M | 0.30% |
| 49 | Praetorian Insurance Company | 37257 | PA | Admitted (licensed) | $57.4M | 0.29% |
| 50 | Hartford Accident and Indemnity Company | 22357 | CT | Admitted (licensed) | $57.3M | 0.29% |
| 51 | Texas Farm Bureau Underwriters | 25399 | TX | Admitted (licensed) | $52.6M | 0.26% |
| 52 | Kin Interinsurance Nexus Exchange | 33987 | AZ | Admitted (licensed) | $52.0M | 0.26% |
| 53 | Allstate Indemnity Company | 19240 | IL | Admitted (licensed) | $51.7M | 0.26% |
| 54 | Allstate North American Insurance Company | 11110 | IL | Admitted (licensed) | $48.8M | 0.24% |
| 55 | Aventus Insurance Company | 22390 | TX | Admitted (licensed) | $47.7M | 0.24% |
| 56 | Farmers Lloyds Insurance Company of Texas | 13938 | TX | Admitted (licensed) | $46.6M | 0.23% |
| 57 | Tower Hill Prime Insurance Company | 11027 | FL | Admitted (licensed) | $45.2M | 0.23% |
| 58 | Builder Reciprocal Insurance Exchange | 17739 | TX | Admitted (licensed) | $44.6M | 0.22% |
| 59 | Berkley Assurance Company | 32603 | DE | Admitted (licensed) | $43.6M | 0.22% |
| 60 | Encompass Independent Insurance Company | 11251 | IL | Admitted (licensed) | $43.5M | 0.22% |
| 61 | Trisura Insurance Company | 22225 | OK | Admitted (licensed) | $41.0M | 0.20% |
| 62 | Cincinnati Insurance Company (The) | 10677 | OH | Admitted (licensed) | $40.8M | 0.20% |
| 63 | Palomar Specialty Insurance Company | 20338 | OR | Admitted (licensed) | $40.7M | 0.20% |
| 64 | National Summit Insurance Company | 15474 | TX | Admitted (licensed) | $39.2M | 0.20% |
| 65 | Southern Vanguard Insurance Company | 10925 | TX | Admitted (licensed) | $38.8M | 0.19% |
| 66 | Bankers Standard Insurance Company | 18279 | PA | Admitted (licensed) | $38.7M | 0.19% |
| 67 | American Modern Home Insurance Company | 23469 | OH | Admitted (licensed) | $37.3M | 0.19% |
| 68 | Agricultural Workers Mutual Auto Insurance Company | 18430 | TX | Admitted (licensed) | $36.2M | 0.18% |
| 69 | One Alliance North America Insurance Company | 10759 | TX | Admitted (licensed) | $32.4M | 0.16% |
| 70 | Aegis Security Insurance Company | 33898 | CA | Admitted (licensed) | $31.7M | 0.16% |
| 71 | SafePort Insurance Company | 36560 | FL | Admitted (licensed) | $30.7M | 0.15% |
| 72 | Horace Mann Insurance Company | 22578 | IL | Admitted (licensed) | $26.0M | 0.13% |
| 73 | Obsidian Insurance Company | 35602 | OH | Admitted (licensed) | $25.5M | 0.13% |
| 74 | Trusted Resource Underwriters Exchange | 16881 | FL | Admitted (licensed) | $24.6M | 0.12% |
| 75 | Standard Casualty Company | 12645 | TX | Admitted (licensed) | $24.2M | 0.12% |
| 76 | Safepoint Insurance Company | 15341 | FL | Admitted (licensed) | $24.0M | 0.12% |
| 77 | Imperial Fire and Casualty Insurance Company | 44369 | IL | Admitted (licensed) | $24.0M | 0.12% |
| 78 | Nationwide Property and Casualty Insurance Company | 37877 | OH | Admitted (licensed) | $23.7M | 0.12% |
| 79 | MS Transverse Insurance Company | 21075 | TX | Admitted (licensed) | $23.3M | 0.12% |
| 80 | Homebound Insurance Exchange | 17758 | TX | Admitted (licensed) | $22.5M | 0.11% |
| 81 | American Summit Insurance Company | 19623 | TX | Admitted (licensed) | $21.2M | 0.11% |
| 82 | Twin City Fire Insurance Company (The) | 29459 | IN | Admitted (licensed) | $20.5M | 0.10% |
| 83 | Cypress Property & Casualty Insurance Company | 10953 | FL | Admitted (licensed) | $20.1M | 0.10% |
| 84 | Western Mutual Insurance Company | 13625 | CA | Admitted (licensed) | $19.1M | 0.10% |
| 85 | Nationwide Insurance Company of America | 25453 | OH | Admitted (licensed) | $18.5M | 0.09% |
| 86 | Insurors Indemnity Company | 43273 | TX | Admitted (licensed) | $18.1M | 0.09% |
| 87 | ACUITY, A Mutual Insurance Company | 14184 | WI | Admitted (licensed) | $17.7M | 0.09% |
| 88 | U S Lloyds Insurance Company | 13781 | TX | Admitted (licensed) | $17.2M | 0.09% |
| 89 | Property and Casualty Insurance Company of Hartford | 34690 | IN | Admitted (licensed) | $16.2M | 0.08% |
| 90 | Trumbull Insurance Company | 27120 | CT | Admitted (licensed) | $16.0M | 0.08% |
| 91 | Columbia Lloyds Insurance Company | 20320 | TX | Admitted (licensed) | $15.3M | 0.08% |
| 92 | Farmers Insurance Exchange | 21652 | CA | Admitted (licensed) | $14.8M | 0.07% |
| 93 | Markel American Insurance Company | 28932 | VA | Admitted (licensed) | $13.8M | 0.07% |
| 94 | Ocean Harbor Casualty Insurance Company | 12360 | FL | Admitted (licensed) | $12.4M | 0.06% |
| 95 | Liberty Mutual Insurance Company | 23043 | MA | Admitted (licensed) | $12.3M | 0.06% |
| 96 | Liberty Lloyds of Texas Insurance Company | 11041 | TX | Admitted (licensed) | $11.6M | 0.06% |
| 97 | MIC General Insurance Corporation | 38660 | IL | Admitted (licensed) | $11.6M | 0.06% |
| 98 | MDOW Insurance Company | 12810 | TX | Admitted (licensed) | $11.4M | 0.06% |
| 99 | Stillwater Insurance Company | 25180 | CA | Admitted (licensed) | $10.7M | 0.05% |
| 100 | Sutton National Insurance Company | 25798 | OK | Admitted (licensed) | $10.2M | 0.05% |
| 101 | Esurance Insurance Company | 25712 | IL | Admitted (licensed) | $9.7M | 0.05% |
| 102 | Fire Insurance Exchange Fire Underwriters Association | 21660 | CA | Admitted (licensed) | $9.3M | 0.05% |
| 103 | Lyndon Southern Insurance Company | 10051 | DE | Admitted (licensed) | $9.1M | 0.05% |
| 104 | Branch Insurance Exchange, Branch Financial, Inc. as Attorney-in-Fact | 16825 | OH | Admitted (licensed) | $9.0M | 0.04% |
| 105 | Teachers Insurance Company | 22683 | IL | Admitted (licensed) | $7.6M | 0.04% |
| 106 | Zurich American Insurance Company | 16535 | NY | Admitted (licensed) | $7.6M | 0.04% |
| 107 | Travelers Commercial Insurance Company | 36137 | CT | Admitted (licensed) | $7.5M | 0.04% |
| 108 | Incline Casualty Company | 11090 | TX | Admitted (licensed) | $7.0M | 0.03% |
| 109 | Centauri Specialty Insurance Company | 12573 | FL | Admitted (licensed) | $6.7M | 0.03% |
| 110 | Armed Forces Insurance Exchange | 41459 | KS | Admitted (licensed) | $6.4M | 0.03% |
| 111 | Liberty Mutual Fire Insurance Company | 23035 | WI | Admitted (licensed) | $6.2M | 0.03% |
| 112 | Safeco Lloyds Insurance Company | 11070 | TX | Admitted (licensed) | $6.0M | 0.03% |
| 113 | Century-National Insurance Company | 26905 | IL | Admitted (licensed) | $5.9M | 0.03% |
| 114 | Progressive Casualty Insurance Company | 24260 | OH | Admitted (licensed) | $5.3M | 0.03% |
| 115 | American National Property and Casualty Company | 28401 | NE | Admitted (licensed) | $4.5M | 0.02% |
| 116 | Toggle Insurance Company | 44245 | DE | Admitted (licensed) | $4.4M | 0.02% |
| 117 | Hartford Lloyd's Insurance Company | 38253 | TX | Admitted (licensed) | $4.4M | 0.02% |
| 118 | Central Insurance Company | 20230 | OH | Admitted (licensed) | $4.3M | 0.02% |
| 119 | Homesite Indemnity Company | 20419 | MA | Admitted (licensed) | $3.5M | 0.02% |
| 120 | Vault Reciprocal Exchange, Vault Risk Management Services, LLC A/I/F | 16186 | FL | Admitted (licensed) | $3.5M | 0.02% |
| 121 | Independent Mutual Fire Insurance Company | 29831 | IL | Admitted (licensed) | $3.0M | 0.02% |
| 122 | Arbor Reciprocal Exchange Company | 17810 | TX | Admitted (licensed) | $2.8M | 0.01% |
| 123 | Homeowners Reciprocal Exchange, The | 17812 | TX | Admitted (licensed) | $2.3M | 0.01% |
| 124 | Sentinel Insurance Company, Limited | 11000 | CT | Admitted (licensed) | $2.1M | 0.01% |
| 125 | Allstate Insurance Company | 19232 | IL | Admitted (licensed) | $1.7M | 0.01% |
| 126 | Travelers Personal Security Insurance Company | 36145 | CT | Admitted (licensed) | $1.4M | 0.01% |
| 127 | American Hallmark Insurance Company of Texas | 43494 | TX | Admitted (licensed) | $1.2M | 0.01% |
| 128 | United States Liability Insurance Company | 25895 | NE | Admitted (licensed) | $1.1M | 0.01% |
| 129 | Germania Property & Casualty Insurance Company | 12598 | TX | Admitted (licensed) | $1.1M | 0.01% |
| 130 | American Security Insurance Company | 42978 | DE | Admitted (licensed) | $807,755 | 0.00% |
| 131 | Stillwater Property and Casualty Insurance Company | 16578 | NY | Admitted (licensed) | $780,782 | 0.00% |
| 132 | Peerless Indemnity Insurance Company | 18333 | IL | Admitted (licensed) | $675,926 | 0.00% |
| 133 | Unitrin Safeguard Insurance Company | 40703 | WI | Admitted (licensed) | $512,105 | 0.00% |
| 134 | Cimarron Insurance Company, Inc. | 20400 | AZ | Admitted (licensed) | $482,572 | 0.00% |
| 135 | Kemper Independence Insurance Company | 10914 | IL | Admitted (licensed) | $367,993 | 0.00% |
| 136 | InsureMax Insurance Company | 10922 | NE | Admitted (licensed) | $199,406 | 0.00% |
| 137 | State National Insurance Company, Inc. | 12831 | TX | Admitted (licensed) | $184,518 | 0.00% |
| 138 | Hartford Fire Insurance Company | 19682 | CT | Admitted (licensed) | $162,271 | 0.00% |
| 139 | Metromile Insurance Company | 16187 | NY | Admitted (licensed) | $80,905 | 0.00% |
| 140 | Federal Insurance Company | 20281 | IN | Admitted (licensed) | $53,349 | 0.00% |
| 141 | Chubb National Insurance Company | 10052 | IN | Admitted (licensed) | $24,786 | 0.00% |
| 142 | Vigilant Insurance Company | 20397 | NY | Admitted (licensed) | $15,479 | 0.00% |
| 143 | Ace Property and Casualty Insurance Company | 20699 | PA | Admitted (licensed) | $4,125 | 0.00% |
| 144 | Mid-Century Insurance Company | 21687 | CA | Admitted (licensed) | $1,980 | 0.00% |
| 145 | Pacific Indemnity Company | 20346 | DE | Admitted (licensed) | $1,006 | 0.00% |
| 146 | Great Northern Insurance Company | 20303 | IN | Admitted (licensed) | $465 | 0.00% |
| 147 | Hartford Insurance Company of the Midwest | 37478 | IN | Admitted (licensed) | $208 | 0.00% |
Method and source
Source: the Texas Department of Insurance company list, read 2026-10-17. "Premium" is direct premium written in the state for the year shown; "share" is that company's part of the state total for the line. A company can be licensed for a line and write none of it, and a surplus lines insurer can write a line without a state license for it.
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