Homeowners Insurance Comparison

Choosing the right insurance policy can be difficult and confusing. OPIC created this comparison tool to assist you with this decision. For more information on how to use the tool, visit our Policy Comparison Tool Help page.



This tool provides a summary of coverages and is for informational purposes only.

The comparison tool is designed to help you shop for insurance and is for informational purposes only. The results generated are only a summary of the coverages, and are not a substitute for the actual policy language. Companies can also add endorsements to your policy that alter the coverage. Before buying a policy, please ask the agent or company representative which endorsements will be added to your policy and refer to the actual policy language to determine the full extent of coverage.

Please contact us at help@opic.texas.gov if you think something is missing or not up to date.


For more info on rates and complaints:

Please check Helpinsure.com. This website allows you to compare sample rates, complaint information, and the financial rating of the top 25 national insurance groups writing auto and residential property insurance in Texas. You can also get financial and/or complaint information for each insurer from TDI’s website.

Terms to Know

Actual cash value (ACV)  the amount to replace or fix your home and personal items minus depreciation. Depreciation is a decrease in value for age, or wear and tear.

Additional Living Expenses (ALE) – this pays for some or all of your costs to live somewhere else while your home is being fixed.

All Risk – type of insurance coverage that offers broad protection and covers all perils unless they are specifically excluded in the policy.

Flood insurance – insurance that covers things like 1) overflow of inland or tidal water (such as storm surge); 2)
runoff or buildup of surface water (such as flash floods); and 3) mudflow (such as flowing mud on the surface of normally dry land).

Named Perils – a type of insurance coverage that offers narrower protection than an all-risk policy and covers only those perils specifically named under the policy.

Replacement cost value (RCV)  the amount to replace or fix your home and personal items.

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Barbara Jordan Building

1601 Congress Ave., Suite 3.500

Austin, Texas 78701