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TDI Complaint Index: 0.45 A.M. Best: A (Excellent)

Texas Farm Bureau Insurance

Local county-by-county member-owned organization focused exclusively on Texas properties.

$2,890

Est. Annual ($350k Dwelling)

0.45

TDI Complaint Rating (< 1.0 is Better)

6.2%

Texas Market Share

Pros & Cons

✅ Pros

Consistently low TDI complaint rating and strong regional customer service
Agent offices in almost all 254 Texas counties
Competitive rates for rural and suburban Texas single-family homes

❌ Cons

Requires paid annual Texas Farm Bureau membership ($40-$50/yr)
Fewer mobile app features compared to national carriers

Roof Settlement & Windstorm Rules

Roof Settlement Type: Replacement Cost for qualifying homes

Wind & Hail Policy: Strong regional understanding of Texas hail and windstorm risk