Gavop's guide to buying homeowners insurance in Helotes, 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 | $71,500 | $70,000 | $75,000-$100,000 |
| 2 Bedroom | $250,500 | $230,000 | $250,000-$300,000 |
| 3 Bedroom | $307,500 | $260,000 | $300,000-$350,000 |
| 4 Bedroom | $367,500 | $300,000 | $300,000-$350,000 |
| 5 Bedroom | $470,500 | $410,000 | $500,000-$600,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$158 | $968 |
| Superior Protection Discount | -$101 | $1,025 |
| Fire & Security Discount | -$124 | $1,002 |
| Hail Resistant Roof Discount | -$34 | $1,092 |
| Newly Constructed Home Discount | -$293 | $833 |
| 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 |
| Bexar County | $1,000 | $1,495 | $2,495 | $1,086 | $2,086 | $408 |
| Helotes, TX | $2,000 | $1,112 | $3,112 | $808 | $2,808 | $304 |
| Cross Mountain, TX | $200 | $2,225 | $2,425 | $1,617 | $1,817 | $608 |
| Castroville-LaCoste, TX | $1,500 | $1,731 | $3,231 | $1,258 | $2,758 | $473 |
| LaCoste, TX | $1,500 | $1,416 | $2,916 | $1,029 | $2,529 | $387 |
| Von Ormy, TX | $400 | $1,302 | $1,702 | $946 | $1,346 | $356 |
| Universal City, TX | $1,000 | $971 | $1,971 | $706 | $1,706 | $265 |
| Converse, TX | $400 | $943 | $1,343 | $685 | $1,085 | $258 |
| Cibolo, TX | $1,000 | $1,005 | $2,005 | $730 | $1,730 | $275 |
| Floresville, TX | $100 | $961 | $1,061 | $698 | $798 | $263 |
| La Vernia, TX | $1,000 | $961 | $1,961 | $698 | $1,698 | $263 |
| Home Insurance Company Helotes, TX | Homeowners Insurance Agency Helotes, TX | Address | Popularity Score | Distance from Helotes (miles) |
|---|---|---|---|---|
| State Farm | Michael Idar | 9793 Culebra Rd Ste 103, San Antonio, TX, 78251-3750 | 5.5 | |
| Nationwide | Joel Gonzales Agency | 12930 Bandera Rd, Helotes, TX, 78023-4002 | 0.7 | |
| Travelers | Crandall & Associates Inc | 5406 Prue Rd, San Antonio, TX, 78240 | 6.3 | |
| State Farm | Chad Dawson | 5890 De Zavala Rd Ste 105, San Antonio, TX, 78249-2279 | 4.7 | |
| Farmers | Pamela Wise | 6233 Evers Rd Ste 6, San Antonio, TX, 78238 | 7.2 | |
| Travelers | Texans Choice Insurance Agency | 13409 Nw Military Hwy Ste 308, San Antonio, TX, 78231 | 9.3 | |
| Travelers | Integrity Insurance Agency Inc | 2634 Kerrybrook Court, San Antonio, TX, 78230 | 10.1 | |
| State Farm | Jerome Crayton | 3511 Oakgate Dr, San Antonio, TX, 78230-3307 | 8.8 | |
| Allstate | Jay Gutierrez | 10918 Vance Jackson Rd Ste 105, San Antonio, TX, 78230 | 8.7 | |
| State Farm | Tom Gueringer | 7047 Bandera Rd, San Antonio, TX, 78238-1266 | 6.2 |
| 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 |
| Bexar County, TX | $142,300 | $1,513 | $1,000 | $2,330 | $1,330 |
| Helotes, TX | $296,100 | $1,126 | $740 | $1,730 | $990 |
| Cross Mountain, TX | $345,900 | $2,252 | $1,490 | $3,470 | $1,980 |
| Castroville-LaCoste, TX | $166,700 | $1,752 | $1,160 | $2,700 | $1,540 |
| LaCoste, TX | $82,400 | $1,433 | $950 | $2,210 | $1,260 |
| Von Ormy, TX | $62,300 | $1,318 | $870 | $2,030 | $1,160 |
| Universal City, TX | $156,000 | $983 | $650 | $1,510 | $860 |
| Converse, TX | $140,200 | $955 | $630 | $1,470 | $840 |
| Cibolo, TX | $214,500 | $1,017 | $670 | $1,570 | $900 |
| Floresville, TX | $178,800 | $972 | $640 | $1,500 | $860 |
| La Vernia, TX | $178,800 | $972 | $640 | $1,500 | $860 |