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.
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.
Comparing coverage for your association?
Get quotes from a Florida-licensed P&C producer who specializes in community associations. Common Elements is a marketing service that connects you with a licensed agent — we don’t quote, bind, or sell coverage, and this page is reference data, not insurance advice.
Request quotes