Gavop's guide to buying homeowners insurance in Shelby 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.
| Shelby County, TX - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Houston St, Co Rd 2520, Co Rd 1150, Lisa St, Cr 3795, Tennessee Rd, Garrison St, Co Rd 4249, Hurst St, Co Rd 2630 | $86,500 | $70,000 | $100,000-$125,000 | $80,500 | $70,000 | $50,000-$75,000 |
| Co Rd 3505, Co Rd 2118, Woodlawn Dr, Center St, Garfield St, Scruggs Rd, Co Rd 2090, Tatum St, Co Rd 4354, Maxwell St | $81,500 | $70,000 | $50,000-$75,000 | $71,500 | $60,000 | $75,000-$100,000 |
| Co Rd 1552, Co Rd 4021, Hill Ave, S Main St, Co Rd 4925, Hopkins St, Todd St, Co Rd 1080, Co Rd 2573, Co Rd 3340 | $77,000 | $70,000 | $50,000-$75,000 | $78,000 | $70,000 | $50,000-$75,000 |
| Forest, Tennessee Rd, Co Rd 125, Co Rd 1299, Moore Dr, FM 2974, Manager Rd, S Pine St, Cr 2826, FM 699 | $95,500 | $90,000 | $100,000-$125,000 | $84,500 | $80,000 | $75,000-$100,000 |
| FM 2974, FM 699, Co Rd 4256, Co Rd 1030, Co Rd 2816, Co Rd 3134, Co Rd 1446, Co Rd 1033, Cedar Ln, Co Rd 2014 | $111,000 | $100,000 | $100,000-$125,000 | $52,500 | $50,000 | $50,000-$75,000 |
| McLaughlin St, W Wall St, Co Rd 3112, Co Rd 4777, FM 2427, Co Rd 2565, Brown St, S Center St, Co Rd 4323, Co Rd 1180 | $86,500 | $70,000 | $75,000-$100,000 | $78,000 | $70,000 | $50,000-$75,000 |
| Co Rd 1292, Pine St, Cr 4577, Co Rd 4810, Co Rd 1234, Co Rd 3827, Oak Bend Dr, Co Rd 1097, Anita St, Co Rd 3188 | $80,500 | $70,000 | $75,000-$100,000 | $92,000 | $80,000 | $100,000-$125,000 |
| Co Rd 3736, FS Rd 126A, Co Rd 3367, FM 1645, Co Rd 3737, Co Rd 2020, Co Rd 1274, Co Rd 2690, Hairgrove Rd, Co Rd 1187 | $91,500 | $80,000 | $75,000-$100,000 | $98,500 | $90,000 | $100,000-$125,000 |
| Co Rd 3717, Co Rd 1015, Shoreline Dr, Jacob St, Marcus St, FM 353, Cr 2157, Co Rd 2350, Co Rd 2570, Co Rd 1047 | $91,500 | $80,000 | $75,000-$100,000 | $73,500 | $70,000 | $75,000-$100,000 |
| Matlock St, Kindle St, Co Rd 2547, Co Rd 2024, Co Rd 4769, Co Rd 4084, Watlington St, Co Rd 1437, Baldwin St, Berry | $105,000 | $90,000 | $100,000-$125,000 | $89,500 | $70,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$177 | $806 |
| Superior Protection Discount | -$98 | $884 |
| Fire & Security Discount | -$108 | $874 |
| Hail Resistant Roof Discount | -$29 | $953 |
| Newly Constructed Home Discount | -$197 | $786 |
| 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 |
| Shelby County | $1,500 | $971 | $2,471 | $705 | $2,205 | $265 |
| Shelby County, TX | $700 | $971 | $1,671 | $705 | $1,405 | $265 |
| Center, TX | $300 | $1,346 | $1,646 | $978 | $1,278 | $368 |
| Huxley, TX | $1,500 | $1,366 | $2,866 | $993 | $2,493 | $373 |
| Garrison, TX | $200 | $1,483 | $1,683 | $1,078 | $1,278 | $405 |
| Long Branch-Dotson, TX | $2,500 | $1,516 | $4,016 | $1,101 | $3,601 | $414 |
| Milam, TX | $300 | $1,545 | $1,845 | $1,123 | $1,423 | $422 |
| Grand Cane, LA | $2,000 | $1,929 | $3,929 | $1,402 | $3,402 | $527 |
| Beckville, TX | $100 | $1,446 | $1,546 | $1,051 | $1,151 | $395 |
| Laneville, TX | $200 | $1,421 | $1,621 | $1,032 | $1,232 | $388 |
| Greenwood, LA | $2,000 | $1,353 | $3,353 | $983 | $2,983 | $370 |
| Home Insurance Company Shelby County, TX | Homeowners Insurance Agency Shelby County, TX | Address | Popularity Score | Distance from Shelby County (miles) |
|---|---|---|---|---|
| Farmers | Selena Mitchell | 1411 Turtle Creek Dr Ste B, Lufkin, TX, 75904 | 48.6 | |
| State Farm | Nikki Evans-Wallace | 332 N University Dr, Nacogdoches, TX, 75961-5123 | 32.2 | |
| State Farm | Sandy Wheeler | 621 Tenaha St, Center, TX, 75935-3445 | 2.9 | |
| Travelers | State Insurance Agency | 119 East Columbia, San Augustine, TX, 75972 | 18.2 | |
| Travelers | State Insurance Agency | 119 East Columbia, San Augustine, TX, 75972 | 18.2 | |
| Farmers | Darin Anthony | 810 N Hill St, Tatum, TX, 75691 | 42.9 | |
| Allstate | Courtney Smith | 2006 Jacksonville Dr # 3, Henderson, TX, 75654 | 45.6 | |
| Farmers | Bradley Boyett | 803 North St, Nacogdoches, TX, 75961 | 32.6 | |
| Travelers | Shoop Insurance Agency | 206 Tenaha St, Center, TX, 75935 | 2.4 | |
| Allstate | Lisa Evans Bullock | 701 W Frank Ave, Lufkin, TX, 75904 | 46.8 |
| 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 |
| Shelby County, TX | $73,100 | $983 | $650 | $1,510 | $860 |
| Shelby County, TX | $73,100 | $983 | $650 | $1,510 | $860 |
| Center, TX | $69,500 | $1,362 | $900 | $2,100 | $1,200 |
| Huxley, TX | $73,300 | $1,383 | $910 | $2,130 | $1,220 |
| Garrison, TX | $96,000 | $1,501 | $990 | $2,310 | $1,320 |
| Long Branch-Dotson, TX | $103,200 | $1,534 | $1,010 | $2,360 | $1,350 |
| Milam, TX | $110,400 | $1,564 | $1,030 | $2,410 | $1,380 |
| Grand Cane, LA | $210,000 | $1,952 | $1,370 | $2,810 | $1,440 |
| Beckville, TX | $88,400 | $1,464 | $970 | $2,250 | $1,280 |
| Laneville, TX | $83,400 | $1,438 | $950 | $2,210 | $1,260 |
| Greenwood, LA | $115,000 | $1,369 | $960 | $1,970 | $1,010 |