Best homeowners insurance in Texas (2024)

We looked at average costs, customer service ratings, and policy options from multiple top insurers to find the best and cheapest home insurance companies in Texas.

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By

Pat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.

Edited by

Jennifer GimbelJennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.
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Reviewed by

Kristi Sullivan, CFP®Kristi Sullivan, CFP®Certified Financial PlannerKristi Sullivan, CFP®, is a certified financial planner and a member of the Financial Review Council at Policygenius. Previously, she was a regional consultant at Fidelity Investments for nine years.

Updated|6 min read

Expert reviewedExpert reviewedThis article has been reviewed by a member of ourFinancial Review Council to ensure all sources, statistics, and claims meet the highest standard for accurate and unbiased advice.Learn more about oureditorial review process.

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What to do if you’ve been impacted by 2024 tornadoes

Over 100 tornadoes swept through several states at the end of April, 2024, including parts of Texas, Kansas, Nebraska, Missouri, and Iowa. Homeowners impacted by these tornadoes may need to file a claim with their insurance company for damage caused by the storms. Policygenius has several resources available to help guide homeowners through the claims process. Homeowners looking for a new insurance policy can reach out to our expert home insurance agents to compare quotes from multiple companies.

How to file a storm damage insurance claim

Does homeowners insurance cover tornado damage?

Does homeowners insurance cover wind damage?

Does homeowners insurance cover spoiled food from a power outage?

Does homeowners insurance cover roof replacement?

Tornado season in Texas

The average cost of homeowners insurance in Texas is $2,919 per year, or around $243 per month for a policy with $300,000 in dwelling coverage, according to a Policygenius analysis of Texas rate data.

Homeowners in the Lone Star State paid an average of 10.8% more for home insurance in 2022 compared to the previous year — the largest average yearly rate increase in 10 years, according to the Texas Department of Insurance.

Insurance regulators approved 32 rate increase requests from several top insurance carriers in 2022, including State Farm and Liberty Mutual. If your home insurance bill went up recently, that may be one of the culprits.

Expensive home insurance may seem inevitable in Texas these days, but there are still several carriers offering industry-best coverage at affordable rates, according to our 2023 analysis of the best home insurance companies in Texas.

Compare home insurance rates in Texas

Compare the best homeowners insurance companies in Texas

State Farm, Farmers, and Nationwide top our list of the best homeowners insurance companies in Texas.

To come up with our top picks, we looked at the 15 Texas companies with the highest market share in the state and chose the five with the highest overall Policygenius rating. Our ratings are based on each company's financial strength and customer satisfaction ratings, the number and quality of available coverages, and average policy premiums in 1,930 Texas ZIP codes.

Company

Best for...

Average monthly cost

Policygenius rating

State Farm

Overall

$229

4.8 out of 5

Farmers

Policy perks & discounts

$40

4.5 out of 5

Nationwide

Comprehensive coverage options

$371

4.5 out of 5

Progressive

Bundling home & auto insurance

$425

4.5 out of 5

Farm Bureau Insurance

Basic coverage at low rates

$60

3.9 out of 5

Methodology & why you can trust our rates

At Policygenius, our educational guides are written and fact-checked by licensed home insurance experts and reviewed by our Financial Review Council to ensure autonomy, expertise, and accuracy.

To find the best home insurance companies in Texas, we analyzed over 30,000 quotes from the 15 largest insurance companies in the state to find the average cost of homeowners insurance with each company in 2022.

When analyzing costs for different coverage levels and risk factors, we changed just one variable at a time to ensure the rates we’re comparing are fair and representative of the factor at hand.

We then looked at J.D. Power customer satisfaction scores, AM Best financial health ratings, quality of policy options, discounts, and compared that with the coverage needs of Texas residents to find the best homeowners insurance in Texas.

To get the average rate for each company in Texas, we analyzed rates provided by Quadrant Information Services in March 2022 for 1,930 ZIP codes in Texas for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:

  • Dwelling: $300,000

  • Other structures: $30,000

  • Personal property: $150,000

  • Loss of use: $60,000

  • Liability: $300,000

  • Medical: $1,000

All rates based on the above coverage limits except where otherwise noted.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs — your actual quotes may differ.

Compare home insurance rates in Texas

Best overall homeowners insurance in Texas: State Farm

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2024 Policygenius award winner

State Farm

State Farm logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.8

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Offers extended replacement cost

All 50 states

Why we chose itchevron icon

State Farm home insurance is one of the best overall home insurance providers in Texas thanks to its statewide availability, large selection of policy options for most home types, high customer service marks, and industry-best financial stability ratings.

Pros and conschevron icon

Pros

  • High customer satisfaction and financial strength ratings

  • Top-tier coverage add-ons, including extended replacement cost coverage

  • Offers large discounts when you bundle your home and auto insurance

Cons

  • 20% more complaints filed with the NAIC than other companies of its size

  • No discounts for first-time homebuyers

More detailschevron icon

Why we chose State Farm

At a time when lots of competitors are no longer insuring homes in areas prone to wildfires or hurricanes, State Farm continues to offer its relatively affordable and highly-rated home insurance to homeowners in most parts of the country, including Texas.

While some of its competitors may not have the financial strength to pay out claims after several natural disasters in the same year, State Farm isn't one of them. It earns the highest rating possible from A.M. Best for financial strength and stability — only six insurance companies out of nearly 70 we reviewed hold this title.

How do State Farm home insurance rates compare to the Texas average?

The average cost of State Farm home insurance in Texas is $2,743 per year, which is about 6% cheaper than the average annual premium in Texas of $2,919.

How to get a quote

Online through State Farm

Best for policy perks & discounts: Farmers

award icon

2024 Policygenius award winner

Farmers

Farmers Insurance logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Offers extended replacement cost

Bundle home & auto

Smart home discounts

Why we chose itchevron icon

Along with saving around 20% when you bundle your home and car insurance, Farmers also gives you access to its extensive suite of discounts, unique policy credits, and claim-free incentives that help put money back in your pocket.

Pros and conschevron icon

Pros

  • 12+ discounts to save on rates

  • Optional extended or guaranteed replacement cost dwelling coverage

  • Shave $50 off your deductible each year you’re with Farmers

Cons

  • Below-average scores on J.D. Power’s overall customer satisfaction and digital experience surveys

More detailschevron icon

Why we chose Farmers

Farmers home insurance stands out against competitors thanks to its 17 available discounts and policy perks. For context, Farmers competitors offer an average of around seven discounts total.

Along with several discount offerings and affordable rates, Farmers also offers the following two key policy perks:

  • Declining deductibles: Earn $50 toward your home deductible each year you have a home insurance policy with Farmers.

  • Claim forgiveness: Once you’ve gone five years without filing a claim, Farmers won’t raise your rate after that if you end up filing one.

Even more, depending on your state of residence, you can save up to 45% on your auto insurance and up to 34% on your home insurance when you bundle policies, according to farmers.

How do Farmers home insurance rates compare to the Texas average?

The average cost of Farmers home insurance in Texas is $484 per year, which is around 83% cheaper than the annual statewide average of $2,919.

How to get a quote

Online through Farmers

Best for comprehensive coverage options: Nationwide

award icon

2024 Policygenius award winner

Nationwide

Nationwide logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Mobile app

New homebuyer discount

Offers extended replacement cost

Why we chose itchevron icon

Nationwide home insurance features an extensive range of comprehensive coverage and policy options. It also received high marks for claims satisfaction with J.D. Power, indicating you can rely on Nationwide when it matters most.

Pros and conschevron icon

Pros

  • Multiple high-quality coverage options

  • Highly rated for claims satisfaction with J.D. Power

Cons

  • Below-average customer satisfaction and digital experience ratings

  • Won’t cover Airbnbs or other short-term rentals

More detailschevron icon

Why we chose Nationwide

Nationwide is known for it's robust policy options and large selection of coverage add-ons, such as flood coverage and options to rebuild your roof with stronger materials after a covered loss, making Nationwide a smart choice if you live in a Texas area at risk for extreme weather or natural disasters. While Nationwide’s average home insurance rate of $4,456 is among the most expensive in our top company analysis, it has several discount options available that can trim those high costs.

How do Nationwide home insurance rates compare to the Texas average?

The average cost of Nationwide home insurance in Texas is $4,456 per year, which is around 50% higher than the annual statewide average of $2,919.

How to get a quote

Online through Policygenius or Nationwide

Best for bundling home & auto insurance: Progressive

award icon

2024 Policygenius award winner

Progressive

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Mobile app

Why we chose itchevron icon

Progressive offers robust home insurance coverage and ways to save. Our fave perk? Its bundling discount, which lets you save up to 20% on premiums and only requires you to pay one deductible if your home and car are damaged in the same event.

Pros and conschevron icon

Pros

  • Save up to 20% when you bundle your home and auto insurance

  • Bundling perks include single-deductible claims and streamlined bill payment

  • User-friendly app to manage and update policy

Cons

  • Below-average claims satisfaction ratings

  • Cost varies by company Progressive places you with

  • Customer service & claims options vary by company

More detailschevron icon

Why we chose Progressive

Progressive shines for its industry-best home and auto insurance bundling perks. Insure both your home and car with Progressive and you’ll not only score a huge discount, but you’ll only have to pay one deductible if your home and car are damaged in the same incident. This means if a tornado or hurricane knocks a tree over onto your home and car, you’ll only be on the hook for one deductible.

How do Progressive home insurance rates compare to the Texas average?

The average cost of Progressive home insurance in Texas is $5,102 per year, which is about 75% more expensive than the average annual premium in Texas of $2,919.

How to get a quote

Online through Policygenius or ASI Progressive

Best for basic coverage at low rates: Texas Farm Bureau

Texas Farm Bureau

Farm Bureau Financial Services logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starHalf orange starEmpty gray star

3.9

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

Texas Farm Bureau offers exceptional customer service and the option to bundle a slew of insurance policies on top of just home insurance to save money on rates.

Pros and conschevron icon

Pros

  • Excellent customer service score — received 99% fewer complaints expected for a company of its size in 2021

  • Excellent financial strength rating from A.M. Best, proving it likely has the funds to pay out claims in the wake of a natural disaster

  • Only pay one deductible if your home, car, and boat are damaged in the same event and you bundle your insurance policies with Farm Bureau

Cons

  • Rates are $1,400 more expensive than the national average

  • Need to have a Farm Bureau membership to purchase insurance

More detailschevron icon

Why we chose Texas Farm Bureau

Texas Farm Bureau offers a complete line of insurance products — from auto, home, life, commercial, and ranch, allowing you to have all of your policies with one company. Farm Bureau is a great option for Texas residents looking for personalized customer care and recommendations from a local company that knows the area best.  

How do Texas Farm Bureau home insurance rates compare to the Texas average?

The average cost of Texas Farm Bureau home insurance in Texas is $722 per year, which is about 75% cheaper than the average annual premium in Texas of $2,919.

How to get a quote

By contacting a local Texas Farm Bureau agent

How much is homeowners insurance in Texas?

The average cost of homeowners insurance in Texas is $2,919 per year for an insurance policy with $300,000 in dwelling coverage. This is around 66% higher than the nationwide average of $1,754. 

In a state like Texas, premiums are higher in large part due to the outsized risk of natural disasters in certain areas. As hurricanes, tornadoes, and hail continue to worsen and cause extensive damage to homes all over the state, insurance companies account for this by charging higher rates. 

Texas homeowners insurance rates by city

Home insurance costs in Texas can vary substantially depending on where you live. Cities with a high risk of natural disasters such flooding or extreme weather conditions will likely have higher average home insurance rates. 

Here’s a look at the average cost of home insurance in the 20 largest cities in Texas.

City

Average monthly cost

Average annual cost

Difference from state average (%)

Houston

$245

$2,936

1%

San Antonio

$197

$2,365

-19%

Dallas

$274

$3,284

13%

Austin

$180

$2,158

-26%

Fort Worth

$272

$3,258

12%

El Paso

$140

$1,679

-42%

Arlington

$282

$3,378

16%

Corpus Christi

$206

$2,466

-16%

Plano

$269

$3,228

11%

Lubbock

$271

$3,257

12%

Laredo

$190

$2,277

-22%

Irving

$276

$3,307

13%

Garland

$268

$3,210

10%

Frisco

$236

$2,833

-3%

McKinney

$268

$3,217

10%

Grand Prairie

$280

$3,360

15%

Amarillo

$304

$3,649

25%

Brownsville

$176

$2,109

-28%

Killeen

$181

$2,170

-26%

Denton

$269

$3,223

10%

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Texas homeowners insurance rates by coverage amount

The table below highlights the average annual premium in Texas for five different levels of dwelling coverage, which is the part of your policy that covers structural damage to your home.

Generally speaking, more dwelling coverage means higher homeowners insurance rates, as shown in the table below.

Dwelling coverage limit

Average annual cost

$100,000

$1,318

$200,000

$2,086

$300,000

$2,919

$400,000

$3,749

$500,000

$4,642

Compare home insurance rates in Texas

Cheapest homeowners insurance companies in Texas

Based on our analysis, Farmers, State Auto, Texas Farm Bureau, Lighthouse Property Insurance, and Chubb are the five cheapest home insurance companies in Texas, with statewide average premiums ranging from $484 to $2,201 per year. USAA, State Farm, and Mercury are also among the most affordable home insurance carrier options for Texas residents in 2023, as detailed in the table below.

Company

Average annual cost

Farmers

$484

State Auto

$665

Farm Bureau Insurance

$722

Lighthouse Property Insurance

$1,353

Chubb

$2,201

USAA

$2,703

State Farm

$2,743

Mercury

$2,760

IAT Insurance

$3,699

Texas FAIR Plain Association

$3,964

UPC Insurance

$4,196

AmGUARD Insurance

$4,206

Nationwide

$4,456

Progressive

$5,102

Amica

$5,168

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Cheapest Texas homeowners insurance if you have poor credit

Generally, individuals with better credit scores enjoy lower home insurance premiums. Insurance companies have found that customers with lower credit scores file more claims for small losses, like a pipe leak, since they may not be in a financial position to pay for these damages out of pocket.

Here's the cheapest homeowners insurance in Texas for a homeowner with poor credit.

Company

Average annual cost

Farmers

$1,026

Farm Bureau Insurance

$1,072

Lighthouse Property Insurance

$1,353

State Auto

$2,471

USAA

$3,305

Texas FAIR Plain Association

$3,964

State Farm

$4,711

Mercury

$4,944

Nationwide

$5,734

Chubb

$6,031

AmGUARD Insurance

$6,204

UPC Insurance

$6,660

Amica

$6,671

Progressive

$6,713

IAT Insurance

$10,741

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Cheapest Texas homeowners insurance if you have an older home

The median age of homes in Texas is 33 years old, according to an analysis of U.S. census data by House Method. And like everything else, the age of your home plays a role in how much you pay for home insurance in Texas.

Older and historic homes are usually more expensive to insure than newer homes. This is because insurers consider them a higher risk than newer homes since they can be fragile, their construction materials may be obsolete, and certain structural components like the roof or plumbing may not be in good shape or up to current-day code. Because of this, they'll charge higher premiums to offset the risk.

Here's the cheapest home insurance in Texas for a home that's over 50 years old:

Company

Average annual cost

Farmers

$511

State Auto

$701

Farm Bureau Insurance

$722

Lighthouse Property Insurance

$1,394

Chubb

$1,968

Progressive

$2,682

State Farm

$2,740

USAA

$2,765

Mercury

$2,873

Texas FAIR Plain Association

$3,964

IAT Insurance

$4,143

Nationwide

$4,144

UPC Insurance

$4,168

AmGUARD Insurance

$4,534

Amica

$5,912

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Cheapest Texas homeowners insurance if you have a history of claims

One of the biggest factors that plays a role in your home insurance premium is your claims history. You'll typically pay more for home insurance if you have multiple claims on your record, since insurers perceive you as posing a greater risk of filing more.

Here's the cheapest home insurance companies in Texas for a homeowner with three claims within a five-year period:

Company

Average annual cost

Farmers

$790

Farm Bureau Insurance

$807

State Auto

$1,472

Lighthouse Property Insurance

$2,043

Chubb

$2,437

State Farm

$2,740

USAA

$3,004

Progressive

$4,044

AmGUARD Insurance

$5,406

Mercury

$5,656

Texas FAIR Plain Association

$6,231

IAT Insurance

$6,340

Nationwide

$6,719

UPC Insurance

$8,134

Amica

$9,755

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Coverage options in Texas

When you buy homeowners insurance in Texas, there are three additional coverage options you may need to consider to protect against the state’s frequent natural disasters.

Texas Windstorm Insurance Association

In many areas of Texas prone to tornadoes or hurricanes, many insurance policies have a wind and hail exclusion, meaning insurers won’t cover repairs to property damaged by wind or hail. Since going without this coverage is a huge gamble, many Texas homeowners purchase additional windstorm insurance through the Texas Windstorm Insurance Association (TWIA) to fill this important gap in coverage.  

The TWIA offers windstorm insurance in 14 coastal counties and parts of Harris County. To qualify for a TWIA policy, applicants must show proof of being denied coverage by at least one insurance company.

  • Aransas

  • Brazoria

  • Calhoun

  • Cameron

  • Chambers

  • Galveston

  • Harris

  • Jefferson

  • Kenedy

  • Kleberg

  • Matagorda

  • Nueces

  • Refugio

  • San Patricio

  • Willacy

If you need to get a TWIA policy, be sure you get coverage in advance of the Texas hurricane season, as it's not uncommon for insurance companies to put a moratorium on coverage in advance of a tropical storm.

Learn more >> Guide to windstorm insurance coverage

Flood insurance

Homeowners insurance does not cover water damage caused by flooding in Texas or any of the other 49 states. There are approximately 700,000 homes in Texas at extreme risk of flooding, so you'll want to consider getting flood insurance if you purchase a house in the area. The average cost of flood insurance in Texas through the National Flood Insurance Program is $676 per year, making the Lone Star State one of the cheapest in the country for flood insurance. 

Most home insurance providers in Texas offer NFIP flood insurance as a separate policy. but some companies also offer their own private flood insurance or flood insurance add-ons that you can add to your home insurance for an additional fee.

Learn more >> How much is flood insurance in Texas?

Wildfire insurance

In addition to hurricanes and tornadoes, Texas also experiences many wildfires. Texas has the second most properties at risk of wildfire damage of any U.S. state — only California has more, according to Verisk Analytics.  If you live in a wildfire-prone region of Texas, be sure you have enough dwelling coverage to fully replace your home in the event of a disaster and consider adding extended replacement or guaranteed replacement cost coverage to your policy.

Learn more >> What is wildfire insurance & how much do I need?

Common causes of home insurance claims in Texas

With its proximity to the Gulf Coast and Tornado Alley, Texas homeowners have a string of natural disasters to ensure their homes are covered against. Here are some of the most common causes of home insurance claims in Texas to protect your biggest investment against.

  • Hurricanes: With over 64 hurricanes making landfall in Texas since 1854, according to the National Oceanic and Atmospheric Administration (NOAA), hurricanes are one of the leading causes of home insurance claims in the Lone Star State. [1]

  • Wind: Texas experiences the most tornadoes of any other state in the U.S. — averaging 136 twisters per year — according to the NOAA. The corresponding high number of wind claims made by Texas homeowners is just another reason why adding windstorm coverage to your home insurance policy is a good idea.

  • Hail: The Lone Star State topped the list of states with the most properties affected by hail in 2021, according to Verisk's Hail Report of 2022. [2]  Texas saw 1.6 million properties pummeled with hailstones, leading to many roof damage claims.

  • Lightning: Texas ranks third for the most lightning-caused home insurance claims filed in 2020, according to the Insurance Information Institute (III). [3]  This makes fire insurance an essential supplementary coverage for homeowners in the Lone Star State.

  • Wildfires: Texas is just behind California in the top 10 list of states with the most wildfires and acres burned in 2021, according to the Insurance Information Institute. [4]

  • Flooding: While most Texas homes are in flood zones with a moderate to low risk of flooding, around 25% of all flood insurance claims come from these areas, according to FEMA. [5]  This is why flood insurance is another endorsement you should strongly consider adding to your home insurance policy.

Am I required to have home insurance in Texas?

While it’s not legally required to purchase homeowners insurance in Texas, most mortgage lenders require you to purchase home insurance before they’ll extend a home loan to you. This is because they have a financial investment in the property until you pay off your mortgage, so they want to ensure it’s fully protected.

Why is home insurance in Texas so expensive?

Home insurance is expensive in Texas because the state is at high risk for severe weather damage due to hurricanes, tornadoes, wildfires, flooding, and even snow storms. Since there’s a higher change of homeowners filing a claim, insurance companies charge higher rates to account for the added risk.

Compare home insurance rates in Texas

References

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Policygenius uses external sources, including government data, industry studies, and reputable news organizations to supplement proprietary marketplace data and internal expertise. Learn more about how we use and vet external sources as part of oureditorial standards.

  1. National Weather Service

    . "

    Texas Hurricane History

    ." Accessed September 09, 2021.

  2. Verisk

    . "

    Hail Risk Assessment | Hail Risk Score| Hail Damage Score

    ." Accessed August 06, 2021.

  3. Insurance Information Institute

    . "

    Facts + Statistics: Lightning

    ." Accessed May 26, 2023.

  4. Insurance Information Institute

    . "

    Catastrophes by state

    ." Accessed July 29, 2022.

  5. Federal Emergency Management Agency

    . "

    Low Risk Flood Zones?

    ." Accessed July 01, 2022.

Author

Pat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.

Editor

Jennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

Questions about this page? Email us at .