Mercury offers affordable homeowners insurance in 11 states, covering fire, theft, and personal liability, but excludes earthquakes and floods. Allstate provides windstorm insurance and is widely available, while Foremost caters to high-risk homes. Amica offers bundling discounts and high customer satisfaction. Chubb specializes in high-value homes with extended coverage options. Farmers provides extended replacement cost coverage, and USAA offers benefits for military members. Homeowners insurance in Texas averages $3,884 annually, influenced by extreme weather and inflation.
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