Are Texas Home Insurance Rates Going Down?

The short answer

For many Texans, yes. The Texas Department of Insurance says most homeowners insurers that filed rate changes since July 1 proposed decreases, affecting about 700,000 policyholders, and filed homeowners rate changes over the past 90 days averaged a 4.3% decrease (TDI, Oct. 8, 2026). A filed decrease isn't a promise that your premium will drop, so you still need to check your own renewal.

What TDI reported

You might expect home insurance in Texas to only go one direction. TDI's Oct. 8 release shows a different trend in recent filings:

• Most filers went lower. Most homeowners companies that filed rate changes since July 1 proposed decreases.
• The average was down. Over the past 90 days, filed homeowners rate changes averaged a 4.3% decrease.
• Two large companies cut rates. TDI names ASI Lloyds (a Progressive company) at a 6% decrease for 71,000 policyholders and Texas Farm Bureau Mutual at a 5.2% decrease for 133,000 policyholders.
• Auto filings fell too. TDI says auto insurers filed decreases affecting 4.4 million policyholders since July 1.

Insurance Commissioner Amanda Crawford urged Texans to "shop around" as rates moderate. TDI says nearly 160 companies sell home and auto insurance in Texas, and you can search rate filings online.

What this means for your roof

Your premium depends on your company, your policy and your home, and the roof is part of that. A rate decrease filed by one company doesn't change what another one charges. Here's how to use the news:

1. Read your renewal. Compare the new premium, the deductibles and any roof-related terms with last year's.
2. Shop around before renewal. Ask other companies for quotes on the same coverage.
3. Ask about roof discounts. Our posts on FORTIFIED roof discounts and Class 4 impact-resistant shingles explain what to ask your agent.
4. Know how condition is judged. See roof age vs. roof condition before an inspection.

If you have questions about a policy, TDI's Help Line is 800-252-3439.

This article is general information, not insurance advice. Rates and discounts vary by company and by home.

Bottom line

Recent Texas homeowners rate filings lean toward decreases, but your premium is set by your company and your house. Shop your renewal, and ask what your roof's condition and type are worth in discounts.

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