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.

Coverage Filters




This tool is for informational purposes only.

The results generated by this tool are for informational purposes only. Before purchasing a policy, please check with an agent or company representative to ensure the information provided by this tool is consistent with what the company is currently offering. Always refer to the actual policy language to determine the full extent of coverage under a policy.


This tool provides a summary of your policy coverages.

The results generated by the comparison tool are based on the most recent information provided to OPIC by the Texas Department of Insurance (TDI). Every effort has been made to keep the information accurate and up to date. The comparison tool generates a summary of the coverages provided by the policies you selected. This summary is not a substitute for the actual policy language. Additionally, a policy may include other coverages not listed on the comparison tool. Always refer to the actual policy language to determine the full extent of coverage under a policy.


Companies can endorse their policies.

Companies can add endorsements to your policy that alter the coverage provided by the base policy. If a company offers or requires an endorsement that affects the coverages displayed on the chart, those changes will be noted. However, since the comparison chart may not show all the coverage provided by a particular policy form, it is important for you to ask the agent or company if any endorsements will be added to your policy.


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 Company Profile Pages.


You can now filter by coverage type. Simply click which filter options you’d like to apply from the list below. The drop down menus will then show ONLY companies and policies that fit those criteria.

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 policy that offers broad protection and covers all perils unless they are specifically excluded in the policy.

Named Perils – type of insurance policy 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.