Gavop's guide to buying homeowners insurance in Winkler 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 | $22,500 | $20,000 | $0-$25,000 |
| 2 Bedroom | $66,000 | $50,000 | $50,000-$75,000 |
| 3 Bedroom | $75,000 | $70,000 | $50,000-$75,000 |
| 4 Bedroom | $99,000 | $90,000 | $100,000-$125,000 |
| 5 Bedroom | $104,500 | $90,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$129 | $790 |
| Superior Protection Discount | -$83 | $836 |
| Fire & Security Discount | -$101 | $818 |
| Hail Resistant Roof Discount | -$28 | $891 |
| Newly Constructed Home Discount | -$239 | $680 |
| 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 |
| Winkler County | $1,500 | $908 | $2,408 | $660 | $2,160 | $248 |
| Winkler County, TX | $1,500 | $908 | $2,408 | $660 | $2,160 | $248 |
| Kermit, TX | $300 | $906 | $1,206 | $659 | $959 | $248 |
| Thorntonville, TX | $2,000 | $1,343 | $3,343 | $976 | $2,976 | $367 |
| Pyote, TX | $100 | $1,288 | $1,388 | $936 | $1,036 | $352 |
| Monahans, TX | $1,500 | $1,027 | $2,527 | $746 | $2,246 | $281 |
| West Odessa-Goldsmith, TX | $100 | $1,431 | $1,531 | $1,040 | $1,140 | $391 |
| Ector County, TX | $400 | $1,428 | $1,828 | $1,038 | $1,438 | $390 |
| West Odessa, TX | $2,500 | $1,435 | $3,935 | $1,043 | $3,543 | $392 |
| Crane North, TX | $200 | $1,246 | $1,446 | $905 | $1,105 | $340 |
| Odessa, TX | $2,500 | $1,458 | $3,958 | $1,060 | $3,560 | $399 |
| Home Insurance Company Winkler County, TX | Homeowners Insurance Agency Winkler County, TX | Address | Popularity Score | Distance from Winkler County (miles) |
|---|---|---|---|---|
| State Farm | Barry Smith | 1050 N Dixie Blvd, Odessa, TX, 79761-2806 | 40.9 | |
| State Farm | Heather Buske | 5050 E University Blvd Ste 3, Odessa, TX, 79762-8100 | 43.6 | |
| State Farm | Filiberto Gonzales | 600 E 42nd St, Odessa, TX, 79762-7722 | 40.2 | |
| State Farm | Andrew Hernandez | 4401 N Grandview Ave, Odessa, TX, 79762-5311 | 41.5 | |
| Farmers | Kelin Jones | 1301 S Stockton Ave, Monahans, TX, 79756 | 19.8 | |
| State Farm | Patrick Willis | 1631 N County Rd W, Odessa, TX, 79763-2960 | 39.0 | |
| Travelers | Insource Insurance Group Llc | 5108 Wayland Dr, Odessa, TX, 79762 | 42.3 | |
| State Farm | Brandon Inman | 1300 S Stockton Ave, Monahans, TX, 79756-6027 | 19.8 | |
| Allstate | Daniel Mcneely Bertelson | 1806 N County Rd W, Odessa, TX, 79763 | 39.0 | |
| Allstate | Dan Bertelson | 2123 E 42nd St, Odessa, TX, 79762 | 41.4 |
| 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 |
| Winkler County, TX | $58,200 | $919 | $610 | $1,410 | $800 |
| Winkler County, TX | $58,200 | $919 | $610 | $1,410 | $800 |
| Kermit, TX | $57,800 | $917 | $610 | $1,410 | $800 |
| Thorntonville, TX | $69,100 | $1,359 | $900 | $2,090 | $1,190 |
| Pyote, TX | $60,000 | $1,304 | $860 | $2,010 | $1,150 |
| Monahans, TX | $88,100 | $1,039 | $690 | $1,600 | $910 |
| West Odessa-Goldsmith, TX | $85,300 | $1,448 | $960 | $2,230 | $1,270 |
| Ector County, TX | $120,800 | $1,445 | $950 | $2,230 | $1,280 |
| West Odessa, TX | $86,100 | $1,452 | $960 | $2,240 | $1,280 |
| Crane North, TX | $53,400 | $1,261 | $830 | $1,940 | $1,110 |
| Odessa, TX | $130,000 | $1,476 | $970 | $2,270 | $1,300 |