Texas Farm Bureau Insurance homeowners insurance

Overview

Texas Farm Bureau Insurance is the trade name of the Texas Farm Bureau Insurance Companies of Waco: Texas Farm Bureau Mutual Insurance Company, Texas Farm Bureau Underwriters, Texas Farm Bureau Casualty Insurance Company, Farm Bureau County Mutual Insurance Company of Texas and a premium finance company. Together they sell home, renters, landlord, auto, farm and ranch, commercial and life coverage, and only in Texas. The companies say they have been "protecting families in our great state since 1952."

Texas Farm Bureau Mutual Group ranked #49 among U.S. homeowners insurance groups by 2025 direct premiums written, with $481.3 million (0.25% of the national market), according to NAIC market share data. All of it is in Texas, where the group was the ninth-largest homeowners writer in 2025 with 2.35% of a $20.48 billion market. That is a much smaller share than Farm Bureau insurers hold in states like Kentucky or Tennessee: Texas is dominated by State Farm (19.66%), Allstate (16.20%) and USAA (10.83%), and Texas Farm Bureau sits just behind SageSure and just ahead of Progressive.

The insurer is tied to the Texas Farm Bureau, the state's largest farm organization, which says it has more than 480,000 member-families and is financed by voluntary dues. Policies are linked to a county Farm Bureau membership: online account registration asks for your county membership number, and the companies' payment system can collect membership dues alongside premiums. Sales and service run through exclusive agents in county offices; the companies describe them as independent contractors who represent only Texas Farm Bureau.

History

The Texas Farm Bureau began as what it calls "a tiny organization in 1933" and grew into the largest group of farmers, ranchers and rural families in the state, best known for advocacy on property rights, water and farm-to-market roads. Its insurance operation started in 1952 to give members access to coverage, and it remains headquartered in Waco, at 7420 Fish Pond Road.

The structure is typical of state Farm Bureau insurers. The mutual company, Texas Farm Bureau Mutual Insurance Company, is owned by its policyholders, and affiliated companies write other lines and policy types, including Farm Bureau County Mutual Insurance Company of Texas, a county mutual, a type of insurer unique to Texas. The insurer's stated purpose is to run a "financially strong, efficient, and member-oriented operation that supports the objectives and membership growth goals" of the federation. Texas Farm Bureau Insurance belongs to the same national Farm Bureau family as Southern Farm Bureau and other state Farm Bureau carriers, but each is a separate company.

Homeowners coverage

The company offers three main residential policies. The Homeowner's Plan is its broadest: dwelling and other structures, personal property, liability and loss of use. The Tenant's (Renter's) Plan drops the dwelling and other structures coverage and keeps personal property, liability and loss of use; the company says renters' loss of use is limited to 10% of the personal property limit. The Dwelling (Landlord's) Plan covers the structure only, with no contents or liability coverage, for a home you rent out. The company lists mobile and modular homes among its farm and ranch products, and the Texas AgAdvantage policy covers working farms and ranches; the company says you need farm coverage once you sell crops or eggs, keep horses or store equipment used for a farming business.

Texas Farm Bureau does not publish a list of homeowners endorsements on its site, so ask your agent about the items that matter most in Texas: whether the roof is settled at replacement cost or actual cash value, the size of your wind and hail deductible, and any water backup or foundation coverage. Under Texas practice a wind and hail deductible applies to damage from any windstorm or hail, not just hurricanes. The company's FAQ notes that most homeowners policies, including its own, cover a college student's belongings in a dorm for up to 10% of the policy's personal property amount.

Two coverages come from elsewhere. Flood is excluded from homeowners policies; the company's contact page lists Wright Flood, a National Flood Insurance Program carrier, for flood questions. On the coast, wind and hail coverage is usually bought from the Texas Windstorm Insurance Association, which covers the 14 first-tier coastal counties and parts of Harris County, so a coastal homeowner may hold a Texas Farm Bureau policy with wind excluded plus a separate TWIA policy (see how TWIA works).

Discounts and savings

The company lists homeowners discounts for central alarm systems, impact-resistant roofing, dry fire hydrants (a rural water source the fire department can draft from) and companion policies; combining auto with home or farm coverage also earns a multi-policy discount on the auto side. Texas does not mandate a specific discount for impact-resistant roofs: the Texas Department of Insurance says amounts are set company by company, so ask your agent what a Class 4 roof would save on your home. Financial and estate planning advice is offered free to Texas Farm Bureau Insurance members.

Where it sells and recent market moves

Texas Farm Bureau Insurance writes only in Texas, and the company says you cannot keep its homeowners policy if you move out of state. Its agent locator covers all 254 Texas counties.

Price direction has turned. Insurance Journal reported on October 9, 2026, citing Texas Department of Insurance data, that Texas insurers had filed an average 4.3% homeowners rate decrease since July, and that Texas Farm Bureau Mutual had filed a 5.2% decrease affecting 133,000 policyholders. Individual renewals can still go up if your home's value, coverage or claims history changed.

Claims

You can report a claim to your local agent at the county office, online at txfb-ins.com, through the Texas Farm Bureau Insurance mobile app, or by phone to the 24-Hour Claims Reporting Center at 800-266-5458. The Waco Claims Office (800-224-7936) also takes reports Monday through Friday, 8 a.m. to 5 p.m. Central. An adjuster reviews the policy, contacts you, and inspects the home to prepare an estimate.

After a tornado, hailstorm or hurricane, the company asks policyholders to report even minor damage quickly, protect the property (tarp the roof, board broken windows) and keep receipts for emergency repairs. Its catastrophe team uses mobile trailers to set up claims stations in disaster areas, and it handles the heaviest losses, such as homes that are unlivable, first. Texas's prompt payment law generally requires an insurer to acknowledge a claim within 15 days, accept or reject it within 15 business days after receiving the information it requested, and pay within 5 business days after accepting, with 15 extra days allowed after a declared weather catastrophe.

Ratings and reputation

AM Best downgraded the financial strength rating of Texas Farm Bureau Casualty Insurance Company and its affiliates, including Texas Farm Bureau Mutual Insurance Company, to B++ (Good) from A- (Excellent) in September 2024, with a stable outlook on the financial strength rating (AM Best release via Business Wire). AM Best cited a 21.5% drop in policyholder surplus from severe-weather underwriting losses and a higher reinsurance retention. That is the latest dated rating action we found, and it is a grade below the "excellent" AM Best wording the company has used. Lenders often require a minimum AM Best rating, so ask your lender whether B++ is acceptable.

Who it suits

Texas Farm Bureau Insurance suits Texans who want a hometown agent in a county office, rural homeowners and landowners whose property drifts between a home policy and a farm policy, and members who want home, auto, farm and life with one organization. It suits less well coastal homeowners who will still need TWIA for wind, people who prefer to buy entirely online without an agent, and anyone who expects to leave Texas.

• Strengths: statewide county-office agent network; farm and ranch expertise through the Texas AgAdvantage policy; a 5.2% homeowners rate decrease filed in 2026; in-house catastrophe claims team.
• Weaknesses: Texas only, with membership dues on top of premium; limited public detail on homeowners endorsements and roof settlement terms; AM Best rating cut to B++ (Good) in September 2024; wind on the coast usually requires a separate TWIA policy.

How to contact Texas Farm Bureau Insurance