Texas insurance market
Top carriers writing residential and condominium lines in Texas, with market share. Share is computed within this state and line from filed market data.
| # | Carrier | Policies in force | Premium written | Market share |
|---|---|---|---|---|
| 1 | TFP & TWI GRP | – | $814.2M | 33.2% |
| 2 | BERKSHIRE HATHAWAY GRP | – | $391.2M | 15.9% |
| 3 | ZURICH INS GRP | – | $214.4M | 8.7% |
| 4 | TRAVELERS GRP | – | $188.4M | 7.7% |
| 5 | LIBERTY MUT GRP | – | $163.4M | 6.7% |
| 6 | CHUBB LTD GRP | – | $153.6M | 6.3% |
| 7 | MS & AD INS GRP | – | $142.7M | 5.8% |
| 8 | FM GLOBAL GRP | – | $135.8M | 5.5% |
| 9 | ASSURANT INC GRP | – | $130.7M | 5.3% |
| 10 | UNITED SERV AUTOMOBILE ASSN GRP | – | $119.6M | 4.9% |
- 1.TFP & TWI GRP
- Policies
- –
- Premium
- $814.2M
33.2% - 2.BERKSHIRE HATHAWAY GRP
- Policies
- –
- Premium
- $391.2M
15.9% - 3.ZURICH INS GRP
- Policies
- –
- Premium
- $214.4M
8.7% - 4.TRAVELERS GRP
- Policies
- –
- Premium
- $188.4M
7.7% - 5.LIBERTY MUT GRP
- Policies
- –
- Premium
- $163.4M
6.7% - 6.CHUBB LTD GRP
- Policies
- –
- Premium
- $153.6M
6.3% - 7.MS & AD INS GRP
- Policies
- –
- Premium
- $142.7M
5.8% - 8.FM GLOBAL GRP
- Policies
- –
- Premium
- $135.8M
5.5% - 9.ASSURANT INC GRP
- Policies
- –
- Premium
- $130.7M
5.3% - 10.UNITED SERV AUTOMOBILE ASSN GRP
- Policies
- –
- Premium
- $119.6M
4.9%
Residual market
Residual market
Insurer-of-last-resort exposure: the coverage carriers declined.
- Policies
- 409,232
- Exposure
- $146.7B
- Premium written
- $996.1M
Plans: FAIR / beach-plan stats (III · PIPSO) · as of 2024-12-31
Residual-market exposure aggregates FAIR plans, beach/windstorm pools, and state-run insurers of last resort from Insurance Information Institute (III · PIPSO) stat tables and state factbooks. Exposure and premium are stored in full dollars.
Carrier complaint signal
Homeowners complaints · 2025
Carriers Texaslogs the most homeowners complaints against relative to how much business they write. A complaint index of 1.00 is the state average. Above 1.00 means more complaints than the carrier's market share predicts, below means fewer. It is a relative measure, so each carrier's policy base and complaint count are shown.
| Carrier | Complaint index | Complaints | Policies (n) |
|---|---|---|---|
| Acceptance Indemnity Insurance Company | 8.43 | 5 | 4,671 |
| Integon National Insurance Company | 8.18 | 2 | 1,925 |
| Praetorian Insurance Company | 6.98 | 21 | 23,688 |
| American National Lloyds Insurance Company | 6.51 | 2 | 2,418 |
| Ocean Harbor Casualty Insurance Company | 5.98 | 3 | 3,952 |
| Esurance Insurance Company | 5.40 | 3 | 4,372 |
Carriers writing fewer than 1,000 homeowners policies in the state are left out, since a tiny book turns one complaint into an outsized index. A high index is a prompt to ask questions, not a verdict on a carrier.
Source: Texas Department of Insurance, complaint index · 2025
Complaints by line
Regulator complaint records
Complaints Texas's insurance regulator logged against carriers, by line of coverage. Raw counts run higher for carriers with bigger books, so read them next to market share. Where the regulator publishes a complaint index, 1.00 is the state average for the line; above 1.00 means more complaints than the carrier's share of the market would predict. This is a complaint index from the regulator, not a quality verdict.
Top carriers by complaint count, 2025. Records on file since 2024.
| Carrier | Complaints | Complaint index | Policies (n) |
|---|---|---|---|
| State Farm Lloyds | 249 | 1.33 | 1,468,920 |
| Allstate Vehicle And Property Insurance Company | 171 | 1.62 | 833,407 |
| Homesite Insurance Company | 65 | 1.74 | 293,976 |
| American Economy Insurance Company | 42 | 2.36 | 140,112 |
| Travelers Personal Insurance Company | 37 | 1.07 | 273,512 |
| Asi Lloyds | 36 | 0.74 | 382,938 |
| Ranchers And Farmers Mutual Insurance Company | 31 | 2.07 | 117,632 |
| Usaa General Indemnity Company | 29 | 1.13 | 201,508 |
| Usaa Casualty Insurance Company | 28 | 0.87 | 254,542 |
| Garrison Property And Casualty Insurance Company | 27 | 1.28 | 165,880 |
Source: Texas Department of Insurance complaint index. Complaint records are loaded for Texas and Connecticut today; more states as their regulators publish them.
Cost by ZIP
What homeowners insurance costs is filed at the ZIP level, not the state level. Enter a Texas ZIP to see the average premium per policy, the loss ratio, the nonrenewal rate, and how premiums moved over the filed window.
ZIP-level premium, loss, and nonrenewal figures are from the Federal Insurance Office (FIO) homeowners data filings, 2018–2022. Treasury withdrew the dataset; this is a recovered public mirror.
Methodology & sources
This explorer compiles filed and public-record insurance market data. It is a reference surface, not insurance advice. Figures reflect what carriers and regulators have filed, with the vintage shown per source.
- Carrier market shareNAIC 50-state baseline + state DOI reports (latest filed year)
- Carrier market-share is computed within a single state and line from filed market data (NAIC 50-state baseline, state DOI market-share reports, and FL OIR QUASR). Share compares carriers inside one state/line only — it never sums premium across states, so earned-basis and written-basis filings are never mixed.
- Florida county presenceFL OIR QUASR county cut, latest report period
- Florida county carrier presence is the OIR QUASR county cut. Large Florida domestic carriers file their county data as trade secret under §624.4212, Fla. Stat., so they are absent here — the county view is not a complete market.
- Residual marketIII / PIPSO residual-plan stats (FY2024) + state factbooks
- Residual-market exposure aggregates FAIR plans, beach/windstorm pools, and state-run insurers of last resort from Insurance Information Institute (III · PIPSO) stat tables and state factbooks. Exposure and premium are stored in full dollars.
- Carrier-health watchNAIC GRID + state insolvency lists
- Receivership status is from NAIC GRID and state insolvency lists. We show the proceeding type and date as filed — this is a public record, not a judgment about a carrier's financial strength.
- ZIP cost & nonrenewalFIO federal homeowners filings, 2018–2022
- ZIP-level premium, loss, and nonrenewal figures are from the Federal Insurance Office (FIO) homeowners data filings, 2018–2022. Treasury withdrew the dataset; this is a recovered public mirror.
- Utah basis note
- Utah filings report direct premiums earned (not written); its share figures are earned-basis and not directly comparable to written-basis states.
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