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Best Homeowners Insurance in San Antonio
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Homeowners in San Antonio can experience all kinds of unexpected damage or destruction to their homes, from natural disasters to theft or vandalism. Having a homeowners insurance policy can safeguard you from paying steep costs out of pocket when events like these occur. In exchange for a monthly premium, your insurance provider will help cover the costs for repairing and rebuilding your home’s interior and exterior structure, as well as replacing your damaged personal property.
Finding the best home insurance company for you requires research. There are many companies, but they can differ greatly in terms of coverage, cost, and customer service quality. Keep reading to learn about the top homeowners insurance companies in San Antonio.
San Antonio’s Top 4 Homeowners Insurance Companies
The highest-rated homeowners insurance companies in San Antonio include:
- Allstate: Best Overall
- Travelers: Most Experience
- Amica: Best Customer Service
- Lemonade: Best Value
The best homeowners insurance companies in San Antonio provide comprehensive coverage, a range of add-on endorsements for customization, and affordable rates to their customers. However, there are key differences between each company, and what might be right for one homeowner may not be ideal for another.
Compare the Best Homeowners Insurance Companies
See how the top home insurance companies in San Antonio stack up on key metrics.
Comparison
| Provider | Visit Site | Superlative | Score | Monthly Cost* | Years in Business | States Covered | BBB Rating |
|---|---|---|---|---|---|---|---|
| Provider | Visit Site | Superlative | Score | Monthly Cost* | Years in Business | States Covered | BBB Rating |
| Allstate | Allstate.com | Best Overall | 98.10 | $166 | 89 | 50 | A+ |
| Travelers | Travelers.com | Most Experience | 93.60 | $122 | 167 | 49 | A+ |
| Amica | Amica.com | Best Customer Service | 96.60 | $92 | 113 | 47 | A+ |
| Lemonade | Lemonade.com | Best Value | 83.50 | $25 and up | 5 | 27 | B+ |
*Cost may be calculated for homes of slightly varying values
Industry-Standard Coverage
Most home insurance companies provide the following six basic forms of protection—dwelling, other structures, personal property, loss of use/additional living expenses, personal liability, and medical payments to others. Each of our top picks offers these standard coverages. You can find a breakdown below.
Coverage
| Type | Description |
|---|---|
| Type | Description |
| Dwelling + other structures | Covers the cost of repairing or replacing the home’s interior and exterior, in addition to any other structures on the property |
| Personal property | Covers the replacement of personal possessions, including clothing, electronics, and furniture |
| Personal liability | Covers attorney fees, court fees, and any damages resulting from someone being injured on your property |
| Loss of use/additional living expenses | Covers living expenses like dining and accommodations if your home is temporarily uninhabitable due to covered damage or destruction |
| Medical payments to guests | Covers the medical expenses if someone is injured in your home |
1. Allstate
Allstate, the second-largest homeowners insurance company in the country, has a strong reputation and solid financial backing. We have ranked Allstate the best overall because of its extensive coverage, combining both standard protections and endorsements, including identity theft protection and electronic data recovery. Allstate is also very accessible to customers, with a 24/7 call center available for any insurance questions—not just limited to filing claims.
Weigh the pros and cons of Allstate below.
Allstate Pros and Cons
| Pros | Cons |
|---|---|
| Pros | Cons |
| Second-largest homeowners insurance provider in the U.S. | Average customer satisfaction ratings |
| 24/7 customer service for all insurance questions | |
| Many endorsement options to customize your policy |
Allstate Plans and Pricing
We received an instant quote for a new construction, single-family, approximately 2,000-square-foot home in San Antonio valued at roughly $210,000. The monthly premium came out to $166.
Cost
| Type of Coverage | Amount of Coverage |
|---|---|
| Type of Coverage | Amount of Coverage |
| Dwelling | $213,160 |
| Other structures | $21,000 |
| Personal property | $128,000 |
| Loss of use | $21,000 |
| Liability | $100,000 per occurrence |
| Medical payments to others | $1,000 per person |
| Deductible | $1,000 |
| Monthly Cost | $166 |
Discounts
Allstate offers a variety of discounts to help you lower the cost of your monthly premium:
- Multi-policy
- Early signing
- Claim-free
- Home alarm
- Roof
- Smoke-free
- Storm shutter
- Homebuyer
- Easy Pay Plan
- Age 55 and retired
- Welcome and loyalty
Allstate Endorsements
Homeowners insurance add-on coverages may differ depending on the state, so you should check your personalized quote to confirm which ones are available in your area.
Endorsements
| Type | Description |
|---|---|
| Type | Description |
| Personal umbrella policy | Increases limits of personal liability coverage and adds coverage for lost wages and legal fees |
| Earthquake | Covers repairs or replacement of your home after an earthquake |
| Flood | Covers repair or replacement of your home in the event of a flood (required for homeowners in certain locations) |
| Water backup | Covers water damage caused by clogged drains or sump pump failure |
| Scheduled personal property | Covers valuable personal belongings, including jewelry, antiques, and more |
| Business property | Covers computers and other home office equipment or equipment from a small business run out of the home |
| Sports equipment | Covers golf clubs, skis, bicycles, and other sports equipment |
| Identity theft protection | Covers legal fees and others costs associated with identity theft or fraud |
| Green improvement reimbursement | Increases coverage to upgrade appliances with more energy-efficient uses after a loss |
| Electronic data recovery | Covers costs from recovering lost computer data |
| Yard and garden | Covers trees, landscaping, and ornamental plantings, or adds coverage for lawn equipment |
| Musical instruments | Covers valuable musical instruments |
2. Travelers
With more than 160 years of experience under its belt, Travelers homeowners insurance has a proven track record for reliability across the country. Travelers offers a wide range of endorsements, including some less common options like Green Home. This endorsement helps you rebuild your home with eco-friendly materials in the event of a covered disaster to make it more environmentally friendly.
Weigh the pros and cons of Travelers below.
Travelers Pros and Cons
| Pros | Cons |
|---|---|
| Pros | Cons |
| More than 160 years of experience | Few discounts available comparatively |
| Less common endorsements, including Green home | Poor reviews for mobile app |
| Available nationwide |
Travelers Plans and Pricing
We received an instant quote for a single-family, new construction, roughly 2,000-square-foot home in San Antonio valued at roughly $180,000. The monthly premium came out to $122.
Cost
| Type of Coverage | Amount of Coverage |
|---|---|
| Type of Coverage | Amount of Coverage |
| Dwelling | $181,000 |
| Other structures | $18,100 |
| Personal property | $90,500 |
| Loss of use | $36,200 |
| Liability | $100,000 |
| Medical payments to others | $2,000 per person |
| Deductible | $1,000 |
| Monthly Cost | $122 |
Discounts
Travelers offers several discounts to help you reduce the cost of its home insurance:
- Multi-policy
- Loss-free
- Homebuyer
- Protective device
- Green home
Travelers Endorsements
Travelers offers multiple add-on coverage options.
Endorsements
| Type | Description |
|---|---|
| Type | Description |
| Contents replacement cost | Pays to replace damaged or destroyed belongings at actual value, not factoring in depreciation |
| Additional replacement cost | Adds an additional amount of up to 25% of your dwelling coverage if there is an increased cost to rebuild your home |
| Personal articles floater | Provides coverage of specific, documented items |
| Jewelry and valuable items | Additional coverage for valuable items like jewelry and fine art |
| Green home | Helps pay to repair, replace, or rebuild your home with green materials after a covered loss |
| Valuable Items Plus | Additional coverage for valuable items like jewelry, computers, and musical instruments |
| Identity theft | Pays up to $25,000 for costs related to identity theft |
| Water backup | Pays for damage to your home caused by sewer or drain backup and sump pump failure |
3. Amica
Amica is a top-rated company with high-quality customer service. The home insurance provider offers comprehensive coverage and a specialized program, Contractor Connection, that connects homeowners with vetted contractors within 24 hours to work on your repairs. Customers are able to track the project’s progress online, and it comes with a five-year workmanship warranty. Amica offers very affordable rates.
Weigh the pros and cons of Amica below.
Pros and Cons of Amica
| Pros | Cons |
|---|---|
| Pros | Cons |
| Extensive coverage | Not available in Alaska, Florida, and Hawaii |
| Affordable rates | Does not use local agents |
| Contractor Connection |
Amica Plans and Pricing
We received an instant quote for a new construction, single-family, approximately 2,000-square-foot home in San Antonio valued at roughly $180,000. The monthly premium came out to $92.
Cost
| Type of Coverage | Amount of Coverage |
|---|---|
| Type of Coverage | Amount of Coverage |
| Dwelling | $181,000 |
| Other structures | $18,100 |
| Personal property | $90,500 |
| Loss of use | $54,300 |
| Liability | $300,000 |
| Medical payments to others | $2,000 per person |
| Deductible | $1,8100 |
| Monthly Cost | $92 |
Discounts
Amica offers a range of discounts:
- Multi-policy
- Claim-free
- E-discount
- Autopay
- Loyalty
- Alarm system
- Automatic detection devices
- New and remodeled homes
Amica Endorsements
Amica offers a range of optional add-on protections.
Endorsements
| Type | Description |
|---|---|
| Type | Description |
| Personal property replacement | Fully covers the replacement cost for stolen or damaged items, instead of depreciated value |
| Scheduled personal property | Offers more extensive protection for valuable items like jewelry or antiques |
| Automatic dwelling coverage increase | Increases coverage limits when the cost to rebuild your home exceeds what your underlying policy allows |
| Credit card | Covers up to $5,000 if your card is used fraudulently |
| Water backup/sump pump failure | Covers damage from water backup and sump pump failure |
| Computer | Covers computers, tablets, smart televisions, and smartphones |
| Catastrophic | Covers damage due to earthquakes and floods |
| Liability and medical payment | Increases liability coverage for legal fees and medical expenses |
4. Lemonade
Lemonade is a newcomer on the home insurance scene, offering a technology-forward approach to customer service and claims. Homeowners can upload a video explaining their claim directly to the app, and a third of claims are handled instantly. Lemonade is a peer-to-peer provider that donates all leftover pooled premium money at the end of the year to charity.
Weigh the pros and cons of Lemonade below.
Pros and Cons of Lemonade
| Pros | Cons |
|---|---|
| Pros | Cons |
| Convenient mobile app | No auto insurance |
| Almost a third of claims handled instantly | Not available nationwide |
| Charitable Giveback program |
Lemonade Plans and Pricing
We got an instant quote for a new construction, single-family, roughly 2,200-square-foot home in Eureka, California. The premium came out $60.75. You can request a quote online to find out how much it would cost to cover your San Antonio home.
Cost
| Type of Coverage | Amount of Coverage |
|---|---|
| Type of Coverage | Amount of Coverage |
| Dwelling | $350,000 |
| Personal property | $175,000 |
| Loss of use | $105,000 |
| Liability | $300,000 |
| Medical payments to others | $1,000 per person |
| Deductible | $1,000 |
| Monthly Cost | $60.75 |
Discounts
Lemonade offers a few discounts to help reduce the cost of home insurance:
- Fire protection
- Protective devices
- Gated community
- Multi-policy
Lemonade Endorsements
Lemonade offers a variety of optional add-on protections.
Endorsements
| Type | Description |
|---|---|
| Type | Description |
| Scheduled personal property | Covers the cost to replace damaged or stolen valuable items like jewelry, art, and furs |
| Home business | Covers operating a business out of the home |
| Earthquake | Covers the cost of repairing and rebuilding structures after damage from an earthquake |
| Sewer backup | Covers cost of damage to home after sewer backup |
Our Conclusion
We selected each of our top four recommendations because they set themselves apart with impressive features. Allstate is the best overall with a variety of customization options and a 24/7 customer service center. Travelers is one of the most experienced companies in the home insurance business, with a proven track record and eco-friendly Green Build endorsement. Amica offers top-notch customer service with its Contractor Connection program, and Lemonade excels with forward-thinking technology.
When evaluating home insurance providers, it’s always a good idea to get quotes from multiple companies so you can find the right policy for your needs:
Frequently Asked Questions
How much is homeowners insurance in San Antonio?
The amount you pay for homeowners insurance in San Antonio will depend on a variety of factors, ranging from the age of your home and the materials it was constructed with to the deductible you select.
What is the average cost of homeowners insurance in Texas?
The average cost of homeowners insurance in Texas is $3,429 per year, according to Insurance.com. This amount ranks Texas as the fifth-most expensive state in the U.S. for home insurance.
Who has the best homeowners insurance in Texas?
We have found that Allstate has the best overall homeowners insurance in Texas, followed closely by Travelers, Amica, and Lemonade.
Our Methodology
The This Old House Reviews team values accuracy, transparency, and trust. With that in mind, we created a thorough, objective rating system to score each home insurance company based on the following six factors:
- Coverage (30)
- State availability (7.5)
- Customer service (15)
- Technology (12.5)
- Reputation (20)
- Additional benefits (15)
Our Reviews team has a full-time researcher who collects and regularly updates datapoints from every company to help us compare them on key factors such as coverage, service, and dependability. Read more on our methodology here.
To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com.
