Gavop's guide to buying homeowners insurance in Garza County, TX covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $35,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $92,000 | $90,000 | $75,000-$100,000 |
| 3 Bedroom | $84,500 | $70,000 | $75,000-$100,000 |
| 4 Bedroom | $126,500 | $110,000 | $125,000-$150,000 |
| 5 Bedroom | $271,000 | $250,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$140 | $860 |
| Superior Protection Discount | -$100 | $900 |
| Fire & Security Discount | -$100 | $900 |
| Hail Resistant Roof Discount | -$30 | $970 |
| Newly Constructed Home Discount | -$250 | $750 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Garza County | $700 | $988 | $1,688 | $718 | $1,418 | $270 |
| Garza County, TX | $1,000 | $988 | $1,988 | $718 | $1,718 | $270 |
| Slaton, TX | $300 | $1,022 | $1,322 | $743 | $1,043 | $279 |
| Gail, TX | $2,500 | $1,171 | $3,671 | $851 | $3,351 | $320 |
| Crosbyton, TX | $300 | $1,264 | $1,564 | $918 | $1,218 | $345 |
| Ransom Canyon, TX | $2,000 | $1,836 | $3,836 | $1,334 | $3,334 | $502 |
| Buffalo Springs, TX | $100 | $1,639 | $1,739 | $1,191 | $1,291 | $448 |
| Scurry County, TX | $700 | $1,033 | $1,733 | $751 | $1,451 | $282 |
| Idalou, TX | $2,000 | $1,644 | $3,644 | $1,195 | $3,195 | $449 |
| Lubbock, TX | $500 | $1,440 | $1,940 | $1,046 | $1,546 | $393 |
| Dickens, TX | $1,000 | $1,270 | $2,270 | $923 | $1,923 | $347 |
| Home Insurance Company Garza County, TX | Homeowners Insurance Agency Garza County, TX | Address | Popularity Score | Distance from Garza County (miles) |
|---|---|---|---|---|
| State Farm | Scott Powell | 8208 Indiana Ave, Lubbock, TX, 79423-2833 | 41.0 | |
| State Farm | Rebecca Egert | 9810 Indiana Ave Ste 120, Lubbock, TX, 79423-4932 | 40.5 | |
| Travelers | Ashmore & Associates Insurance Agency Llc | 6102 82nd Street #6, Lubbock, TX, 79424 | 44.1 | |
| Farmers | Brent Hatchett | 4202 98th St Ste 101, Lubbock, TX, 79423 | 41.2 | |
| Travelers | Sig-Dansby And Associates | 5147a 69th St, Lubbock, TX, 79424 | 43.1 | |
| Allstate | Paul Willems | 4747 S Loop 289 Ste 140, Lubbock, TX, 79424 | 42.8 | |
| Farmers | Tyler Mcdonald | 5124 82nd St, Lubbock, TX, 79424 | 42.6 | |
| Travelers | Insurance Partners | 7335 W 82nd, Ste 4, Lubbock, TX, 79424 | 45.4 | |
| Travelers | Sanford & Tatum Insurance Agency | 6303 Indiana Ave, Lubbock, TX, 79413 | 41.8 | |
| State Farm | Tommy Reece | 3114 50th St, Lubbock, TX, 79413-4104 | 42.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Texas | $151,500 | $1,709 | $1,130 | $2,630 | $1,500 |
| Garza County, TX | $77,500 | $1,000 | $660 | $1,540 | $880 |
| Garza County, TX | $77,500 | $1,000 | $660 | $1,540 | $880 |
| Slaton, TX | $86,600 | $1,034 | $680 | $1,590 | $910 |
| Gail, TX | $42,500 | $1,185 | $780 | $1,820 | $1,040 |
| Crosbyton, TX | $56,100 | $1,279 | $840 | $1,970 | $1,130 |
| Ransom Canyon, TX | $210,700 | $1,858 | $1,230 | $2,860 | $1,630 |
| Buffalo Springs, TX | $135,700 | $1,659 | $1,090 | $2,550 | $1,460 |
| Scurry County, TX | $89,800 | $1,046 | $690 | $1,610 | $920 |
| Idalou, TX | $137,000 | $1,664 | $1,100 | $2,560 | $1,460 |
| Lubbock, TX | $124,200 | $1,457 | $960 | $2,240 | $1,280 |
| Dickens, TX | $57,100 | $1,285 | $850 | $1,980 | $1,130 |