How Can I Make My Lancaster, TX Home Insurance Cheaper
Gavop tells you how to get the best homeowners insurance in Lancaster, TX by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
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Select the Suitable Coverage Value for your Lancaster, TX Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $41,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $55,000 | $50,000 | $50,000-$75,000 |
| 3 Bedroom | $78,000 | $70,000 | $75,000-$100,000 |
| 4 Bedroom | $104,500 | $90,000 | $100,000-$125,000 |
| 5 Bedroom | $185,000 | $160,000 | $150,000-$175,000 |
Estimate your Savings with Home Insurance Discounts in Lancaster, TX | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$239 | $1,167 |
| Superior Protection Discount | -$127 | $1,279 |
| Fire & Security Discount | -$127 | $1,279 |
| Hail Resistant Roof Discount | -$28 | $1,378 |
| Newly Constructed Home Discount | -$323 | $1,082 |
Choose the Right Deductible for your Lancaster, TX Home | Back to Top
| 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 |
| Dallas County | $2,500 | $1,360 | $3,860 | $989 | $3,489 | $372 |
| Lancaster, TX | $700 | $1,389 | $2,089 | $1,009 | $1,709 | $380 |
| Alvarado, TX | $100 | $1,432 | $1,532 | $1,040 | $1,140 | $391 |
| Rendon, TX | $1,000 | $992 | $1,992 | $721 | $1,721 | $271 |
| Keene, TX | $500 | $957 | $1,457 | $695 | $1,195 | $261 |
| Frost, TX | $2,000 | $1,223 | $3,223 | $889 | $2,889 | $334 |
| Johnson County, TX | $100 | $1,465 | $1,565 | $1,064 | $1,164 | $400 |
| Blooming Grove, TX | $1,000 | $1,413 | $2,413 | $1,027 | $2,027 | $386 |
| Lewisville-Flower Mound, TX | $500 | $1,519 | $2,019 | $1,104 | $1,604 | $415 |
| Saginaw, TX | $2,500 | $941 | $3,441 | $684 | $3,184 | $257 |
| Gun Barrel City, TX | $400 | $1,047 | $1,447 | $761 | $1,161 | $286 |
| Eustace, TX | $2,500 | $1,360 | $3,860 | $989 | $3,489 | $372 |
Identify Top Home Insurance Agents near Lancaster, TX | Back to Top
| Home Insurance Company Lancaster, TX | Homeowners Insurance Agency Lancaster, TX | Address | Popularity Score | Distance from Lancaster (miles) |
|---|---|---|---|---|
| Farmers | Steve Grammer | 6009 W I 20, Arlington, TX, 76017 | 25.5 | |
| State Farm | Claudia Salas | 2335 W Shady Grove Rd Ste 100a, Irving, TX, 75060-5059 | 18.6 | |
| State Farm | Kamesha Partida | 1472 N Hampton Rd Ste 110, Desoto, TX, 75115-3001 | 5.1 | |
| State Farm | Jon Essary | 1214 W Davis St, Dallas, TX, 75208-5129 | 11.5 | |
| Allstate | Pedro Alvarado | 1500 N Main St Ste 160, Fort Worth, TX, 76164 | 35.9 | |
| State Farm | Steve Corder | 606 W Wheatland Rd Ste 105, Duncanville, TX, 75116-4570 | 9.4 | |
| State Farm | Jim Mcdonald | 314 N Main St, Duncanville, TX, 75116-3651 | 8.9 | |
| State Farm | Alecia Francis | 606 W Wheatland Rd Ste 101, Duncanville, TX, 75116-4570 | 9.4 | |
| Farmers | Fariba Kirk | 800 W Airport Fwy Ste 1100, Irving, TX, 75062 | 19.8 | |
| State Farm | Ron Bowser | 6205 Chapel Hill Blvd Ste 500, Plano, TX, 75093-8444 | 30.6 |
Compare Rates for Lancaster, TX Home Insurance Providers | Back to Top
| 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 |
| Dallas County, TX | $148,300 | $1,377 | $910 | $2,120 | $1,210 |
| Lancaster, TX | $109,800 | $1,406 | $930 | $2,160 | $1,230 |
| Alvarado, TX | $121,800 | $1,449 | $960 | $2,230 | $1,270 |
| Rendon, TX | $203,900 | $1,004 | $660 | $1,550 | $890 |
| Keene, TX | $106,300 | $968 | $640 | $1,490 | $850 |
| Frost, TX | $50,000 | $1,238 | $820 | $1,910 | $1,090 |
| Johnson County, TX | $132,000 | $1,482 | $980 | $2,280 | $1,300 |
| Blooming Grove, TX | $81,800 | $1,430 | $940 | $2,200 | $1,260 |
| Lewisville-Flower Mound, TX | $239,700 | $1,538 | $1,010 | $2,370 | $1,360 |
| Saginaw, TX | $138,800 | $952 | $630 | $1,470 | $840 |
| Gun Barrel City, TX | $100,800 | $1,059 | $700 | $1,630 | $930 |
| Eustace, TX | $72,200 | $1,377 | $910 | $2,120 | $1,210 |
Research Home Insurance Companies Reviews in Lancaster, TX Before Buying | Back to Top
Share a review on your home insurance company
Liberty Mutual Home Insurance Reviews
Date: January 03, 2020 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Customer Service
I have not yet had to deal with my home insurance company, but I have not had any issues with lapse of coverage or issues with statements of any kind. I would currently say that no news in good news.
Date: October 07, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
This is such a great insurance company. I have never had any problems or difficulties with them. They are always helpful and easy to deal with. Would highly recomend them
Date: May 28, 2019 Age: 20 to 29 Gender: Unmarried Marital Status: Female
Premium
My home insurance premium is probably considered average compare to others, especially in my area. Living in a hurricane prone area that is also prone to flooding and wind damage.
GEICO Home Insurance Reviews
Date: August 17, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Customer Service
I'd give Geico a 5. I've had a few questions and concerns for them and they've gotten back to me very quickly and answered my questions thoroughly. I was impressed.
Date: February 22, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Customer Service
I would give them a five, but this is mainly due to my very minimal interaction with their customer service reps. However, the small contact I have had was pleasant.
Date: November 30, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Premium
Compared to other home insurance policies for the same coverage, the premium and deductible are better. I do not believe that I am getting ripped off.
State Farm Home Insurance Reviews
Date: January 23, 2019 Age: Above 60 Gender: Male Marital Status: Married
Policy Offerings
I have only done comparison shopping 8 times in my life. I did it each time I bought a new house. I have found my rates to be very competitive with State Farm, partially due to the discounts I get by bundling car and home owners insurance policies for pricing.
Date: November 04, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Premium
My premium is very satisfactory, especially compared to other companies I looked at. It is customized to suit my preferences and needs, rather than being a flat rate.
Progressive Home Insurance Reviews
Date: July 27, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Policy Offerings
I would say that they are way better than our previous company. SInce the new company is national and previous was local.
Travelers Home Insurance Reviews
Date: October 19, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Website/App
I can see what my coverage is on the app. I can also request a coverage change online and can have my agent contact me