Who writes pet 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).
27 companies wrote pet in Texas in 2025, $284.8M in direct premium. Independence American Insurance Company led with 20.2%; the top five hold 75%.
By Sam Alishahi, independent insurance broker · All lines in Texas
The companies
| # | Company | NAIC | Home state | Status here | Premium | Share |
|---|---|---|---|---|---|---|
| 1 | Independence American Insurance Company | 26581 | DE | Admitted (licensed) | $57.4M | 20.16% |
| 2 | National Casualty Company | 11991 | OH | Admitted (licensed) | $54.6M | 19.17% |
| 3 | American Pet Insurance Company, Inc. | 12190 | NY | Admitted (licensed) | $46.8M | 16.44% |
| 4 | American Modern Home Insurance Company | 23469 | OH | Admitted (licensed) | $30.0M | 10.55% |
| 5 | Metromile Insurance Company | 16187 | NY | Admitted (licensed) | $23.5M | 8.24% |
| 6 | Metropolitan General Insurance Company | 39950 | RI | Admitted (licensed) | $19.3M | 6.79% |
| 7 | AXIS Insurance Company | 37273 | IL | Admitted (licensed) | $13.1M | 4.61% |
| 8 | Lemonade Insurance Company | 16023 | NY | Admitted (licensed) | $11.9M | 4.17% |
| 9 | Westchester Fire Insurance Company | 10030 | PA | Admitted (licensed) | $10.9M | 3.82% |
| 10 | Indemnity Insurance Company of North America | 43575 | PA | Admitted (licensed) | $5.0M | 1.75% |
| 11 | Cimarron Insurance Company, Inc. | 20400 | AZ | Admitted (licensed) | $2.1M | 0.75% |
| 12 | Ace American Insurance Company | 22667 | PA | Admitted (licensed) | $1.6M | 0.58% |
| 13 | Independence Pet Insurance Company | 17543 | DE | Admitted (licensed) | $1.6M | 0.57% |
| 14 | Accredited Surety and Casualty Company, Inc. | 26379 | FL | Admitted (licensed) | $1.3M | 0.46% |
| 15 | Markel American Insurance Company | 28932 | VA | Admitted (licensed) | $1.2M | 0.43% |
| 16 | Liberty Mutual Fire Insurance Company | 23035 | WI | Admitted (licensed) | $878,456 | 0.31% |
| 17 | Trisura Insurance Company | 22225 | OK | Admitted (licensed) | $740,499 | 0.26% |
| 18 | North River Insurance Company (The) | 21105 | NJ | Admitted (licensed) | $653,719 | 0.23% |
| 19 | United States Fire Insurance Company | 21113 | DE | Admitted (licensed) | $315,001 | 0.11% |
| 20 | Progressive Advanced Insurance Company | 11851 | OH | Admitted (licensed) | $314,754 | 0.11% |
| 21 | Safeco Insurance Company of America | 24740 | NH | Admitted (licensed) | $286,627 | 0.10% |
| 22 | National Specialty Insurance Company | 22608 | TX | Admitted (licensed) | $280,569 | 0.10% |
| 23 | Old Republic Insurance Company | 24147 | PA | Admitted (licensed) | $252,304 | 0.09% |
| 24 | XL Specialty Insurance Company | 37885 | DE | Admitted (licensed) | $198,897 | 0.07% |
| 25 | Incline Casualty Company | 11090 | TX | Admitted (licensed) | $184,133 | 0.06% |
| 26 | Everspan Insurance Company | 24961 | AZ | Admitted (licensed) | $172,882 | 0.06% |
| 27 | StarStone National Insurance Company | 25496 | DE | Admitted (licensed) | $9,826 | 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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