How Can I Make My El Paso, TX Home Insurance Cheaper

Gavop's guide to buying homeowners insurance in El Paso, 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.

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Estimate Appropriate El Paso, TX Home Insurance Coverage Levels | Back to Top

El Paso, 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
Sara Danielle Pl, Cross Ridge Dr, Orr Cir, Tierra Aspid Way, Space Shuttle Ln, Tierra Alzada Dr, Ash Ln, Tierra Yamila Ln, Bolivia St, Helen of Troy $151,000 $130,000 $150,000-$175,000 $150,000 $130,000 $125,000-$150,000
Tiger Eye Dr, Singh St, Hugg St, Gazelle Dr, Orange Tree Ln, James St, Sanderson Way, N Awbrey St, Benny Emler Dr, Paseo Colina Pl $73,000 $70,000 $50,000-$75,000 $58,500 $50,000 $50,000-$75,000
S Little Flower Rd, Tierra Pueblo Dr, Stonehaven Dr, Stoney Hill Dr, Loma Canada Ct, Westline Dr, W Main Ave, Monte Sanders Ln, Thunder Ridge Dr, Desert Skies Pl $132,000 $120,000 $150,000-$175,000 $90,500 $80,000 $100,000-$125,000
Rocky Bluff Dr, E Nevada Ave, Abril Dr, Dakota St, el Portal Dr, S Stevens St, Tahoka Ave, Kenneth Capshaw Pl, Riverside Rd, Irondale Dr $169,500 $140,000 $175,000-$200,000 $135,000 $110,000 $100,000-$125,000
Hernandez St, Quillen Cir, Smith Rd, Geronimo Dr, Coyote Ln, James Grant Dr, Ballerina Dr, Furman Pl, Seaview Ave, Miss Bev Rd $78,500 $70,000 $75,000-$100,000 $48,000 $40,000 $50,000-$75,000
Eads Pl, Nasa Way, Cree Ct, Kerrville Pl, Rocca Ln, Gifford Dr, Half Moon Dr, Desert Sky Dr, Cherry Hill Ln, Cartway Ln $148,000 $140,000 $125,000-$150,000 $127,500 $100,000 $125,000-$150,000
Leonor Ct, J C Cramer Ln, Tierra Brisa Dr, Loma de Cristo Dr, Morgan Marie St, Lenox Ct, Turrentine Dr, Romany Rd, Michele Ann Dr, Center Way $138,000 $120,000 $150,000-$175,000 $138,000 $130,000 $100,000-$125,000
Freedom Way, Art Wall Dr, Wildwood Ct, Conejo Ln, Shiner Ave, Tierra Fertil Dr, Pointe Ln E, S Mesa St, Skyline Dr, Bariloche Dr $165,000 $150,000 $125,000-$150,000 $184,000 $160,000 $150,000-$175,000
Tierra Alaska Ave, Teakwood Rd, Loma Bonita Dr, Petty Ln, Byway Dr, Mesquite Bush Ln, E Baltimore Dr, Porfirio Payan Dr, Cermac St, Manuel Acosta Dr $195,000 $160,000 $150,000-$175,000 $87,500 $70,000 $100,000-$125,000
Tropicana Ave, Olano Ct, Ira Way, Springwood Dr, Mineola Dr, Wren Ave, Annagill St, Laura Marie Dr, Sunnyview Pl, Wheeling Ave $69,000 $60,000 $75,000-$100,000 $67,000 $60,000 $75,000-$100,000

Bundle your El Paso, TX Auto & Home Insurance from the Same Company | Back to Top

El Paso, TX Car Insurance El Paso, TX Home Insurance
Details Dodge, Avenger SE 2 Beds, 1 Baths, 1010 Square Feet worth $67500
Insurance Rates Individually $1,554.29 $3120
Savings from buying both from the same company $1,495.77

Choose the Right Deductible for your El Paso, 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
Texas $100 $660 $760 $550 $650 $110
El Paso County, TX $2,500 $580 $1,080 $500 $3,000 $-1,920
El Paso, TX $1,500 $430 $930 $360 $1,860 $-930
El Paso Northwest, TX $300 $800 $1,100 $650 $950 $150
El Paso County, TX $1,000 $420 $920 $360 $1,360 $-440
Chaparral, NM $100 $330 $430 $280 $380 $50
Anthony, NM $1,500 $280 $780 $220 $1,720 $-940
Horizon City, TX $500 $670 $1,170 $550 $1,050 $120
Berino, NM $1,500 $110 $610 $100 $1,600 $-990
San Elizario, TX $200 $260 $460 $210 $410 $50
San Miguel, NM $700 $360 $860 $300 $1,000 $-140
Fabens, TX $300 $270 $570 $220 $520 $50
San Pablo, NM $2,500 $680 $1,180 $570 $3,070 $-1,890

Identify Top Home Insurance Agents near El Paso, TX | Back to Top

Home Insurance Company El Paso, TX Homeowners Insurance Agency El Paso, TX Address Popularity Score Distance from El Paso (miles)
Farmers Miriam Renteria 10600 Montwood Dr Ste 115, El Paso, TX, 79935
7.6
Allstate Lupe Maldonado-Thrasher 10420 Montwood Dr Ste F, El Paso, TX, 79935
7.4
Farmers Christy Fernandez 3 Butterfield Trail Blvd Ste 112, El Paso, TX, 79906
2.8
Farmers Steve Wilson 8041 N Mesa St Ste L, El Paso, TX, 79932
8.9
Farmers Kyle Lambert 4110 Rio Bravo St Ste 115, El Paso, TX, 79902
6.4
Farmers Yvonne Ruiz 5845 Cromo Dr Ste 2, El Paso, TX, 79912
6.4
Allstate Armando Alvidrez 6560 Montana Ave Ste 8, El Paso, TX, 79925
4.4
Farmers Mario Rodriguez 7618 Boeing Dr Ste H, El Paso, TX, 79925
4.6
Allstate Marvin Donaldson 10710 Gateway Blvd N Ste A9, El Paso, TX, 79924
5.2
State Farm Rafael Martinez 4907 Crossroads Dr Ste B, El Paso, TX, 79922-1037
8.9

Compare Rates for El Paso, TX Home Insurance Providers | Back to Top

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Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
Texas $128,000 $760 $500 $1,170 $670
El Paso County, TX $111,000 $540 $360 $830 $470
El Paso, TX $116,600 $470 $310 $720 $410
El Paso Northwest, TX $158,200 $920 $610 $1,420 $810
El Paso County, TX $111,000 $520 $340 $800 $460
Chaparral, NM $66,700 $380 $250 $520 $270
Anthony, NM $71,900 $410 $290 $580 $290
Horizon City, TX $120,800 $510 $340 $790 $450
Berino, NM $25,600 $150 $100 $210 $110
San Elizario, TX $63,900 $360 $240 $550 $310
San Miguel, NM $97,500 $430 $310 $590 $280
Fabens, TX $64,000 $350 $230 $540 $310
San Pablo, NM $175,000 $700 $480 $970 $490

Research Home Insurance Companies Reviews in El Paso, TX Before Buying | Back to Top

Share a review on your home insurance company


State Farm Home Insurance Reviews

Date: July 25, 2019    Age: 40 to 49    Gender: Female    Marital Status: Married

Policy Offerings
Quick process and clear explanation with a reasonable price. they are simply the best


Date: April 07, 2019    Age: 40 to 49    Gender: Female    Marital Status: Married

Customer Service
They have great customer service. whenever I have a question, they are courteous and helpful AND they answer the phone. I don't have to go through forty minutes.

Date: April 01, 2019    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Policy Offerings
My current company offers storm, flood, natural disasters coverage. Though I think other companies will offer the same and care about their customers whereas Statefarm does not, from my experience. .


Date: February 13, 2019    Age: 40 to 49    Gender: Male    Marital Status: Married

Customer Service
MY AGENT WAS SO HELPFUL BY SUGGESTING THE BEST POLICY FOR OUR HOUSE. HE SAVED ME HUNDREDS OF DOLLARS AND EVEN CAME TO THE HOUSE TO DO ALL PAPERWORK. BLESSED TO HAVE HIM.

Date: October 23, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Policy Offerings
Theft, fire, and other damages and property of home or things at home offered by insurance provdider


Date: September 22, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Communication
I like that they don't bug me. I don't want to hear from them really unless I have to file a claim. I may call them to see if we can do anything to lower our monthly payment to them, but I won't hold my breath.

Date: September 16, 2018    Age: 50 to 59    Gender: Male    Marital Status: Married

Customer Service
customer service is pretty good since there is only a hand full of people that work in my local office.

Date: September 15, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Policy Offerings
Right now, our policy is offering the full replacement for anything we have. We got this when we purchased our double wide, and have been told since to never let this policy lapse because I will never get replacement coverage again.


Date: September 14, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Communication
I like how easy it I to get in touch with them either over the phone or using the online app to get anything I need to be accomplished.

Date: September 09, 2018    Age: 50 to 59    Gender: Female    Marital Status: Unmarried

Communication
sometimes the communication is not that good when I need help but its great when they want to sign me up for other services.

Date: September 02, 2018    Age: 50 to 59    Gender: Female    Marital Status: Unmarried

Website/App
State Farms website is fine. It is kind of boring to look at but it will give you contact information which is what I normally go on to get.

Date: September 01, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Premium
Our premium just jumped up about $20 a month when our previous lady retired and a new insurance guy took her place. I think we pay more than we need to, but a lot of companies don't even insure double wides so we are a bit stuck.

Date: August 25, 2018    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Customer Service
I like how quick they are to respond if I have an issue and they seem to really care, they also are great at following up on any issues

Date: August 08, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Premium
I think my premium is the way to high because the premium cost just a much as the damage. I'm better off just paying out of pocket

Date: August 07, 2018    Age: 50 to 59    Gender: Male    Marital Status: Married

Customer Service
I liked Betty Mousel, our previous insurance contact. I have not had any reason to talk to the new guy, so not sure how he will be. Previously, they would be very quick to help and answer any questions.

Date: July 27, 2018    Age: Above 60    Gender: Female    Marital Status: Married

Policy Offerings
my policies offer coverage for damage caused by fires, lightning strikes, windstorms, and hail. But, it's important to know that not all natural disasters are covered by homeowners insurance. For example, damage caused by earthquakes and floods are not typically covered by homeowners insurance.


Date: July 26, 2018    Age: 50 to 59    Gender: Male    Marital Status: Unmarried

Policy Offerings
damage to fixtures, such as plumbing, electrical wiring, heating and permanently installed air-conditioning systems, garages and lots of uses.


Date: June 08, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Website/App
I like the companies ease of use and the quick response times and how helpful they are if/when I ever have any questions or concerns.

Date: May 12, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Website/App
I don't like the website because it will not show my local state farm insurance company. I also just don't like the way its set up.

Date: November 18, 2017    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Premium
I feel my premium is comparable to other companies, however, I feel mine is a touch better because of all the things it covers.

MetLife Home Insurance Reviews

Date: December 27, 2018    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Premium
I feel like I have the best deal compared to what I have seen from other insurance companies. My deductible is reasonable while others that I have checked out seemed to be high.

Date: September 26, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Communication
The communication is good but they have to improve them by employing well-satisfied persons so that they may catch many customers.

Date: September 20, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Premium
other insurance companies offer us low discounts and they do not communicate with us properly so this company does it well.

Date: September 14, 2018    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Customer Service
the customer service is very low because it does not attend the calls properly. The customer service has to be work properly.

Date: May 27, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
the insurance is well built and they provide us high security in our life and they provide us with good protection against accidents in buildings


Date: November 19, 2017    Age: 40 to 49    Gender: Male    Marital Status: Married

Website/App
the mobile app is very useful and it gives us an easy way to pay the premium amount to pay easily via net banking.

Allstate Home Insurance Reviews

Date: September 22, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
The premiums and deductibles have different meanings, but they work together to help determine how much your insurance policy costs and how much you may receive after a covered loss.

Date: September 02, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Website/App
i hate that my co-payment is so high. i have to make it high to save money every month.

Date: August 20, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Communication
I dislike insurance very much. You pay your premiums on time and when it comes to coverage they don't want to pay.

Date: July 31, 2018    Age: Above 60    Gender: Male    Marital Status: Married

Customer Service
The Management is unprofessional and do not know anything! They claim to hire the best, YEAH RIGHT! They hire anyone who is stupid ...

Date: July 24, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Policy Offerings
Homeowners insurance is made up of coverage that may help pay to repair or replace your home and belongings if they are damaged by certain perils, such as fire or theft.


Farmer's Insurance Home Insurance Reviews

Date: September 27, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Policy Offerings
I believe it is a fairly comprehensive coverage plan. It covers both property and liability. It does not cover damage from flooding.


Date: September 20, 2018    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Premium
I believe that this rate was competitive with several other companies in my market. It was not the absolute lowest, but I had been with them a while and had a good experience with an auto claim, so the "peace of mind" of good service added some value to me and I preferred Farmers to someone new.

Date: August 30, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Communication
They have essentially left me alone, which is okay as I haven't really needed them much in the meantime. They do periodically call and ask if I would like to come into their office for an overall insurance review, which I feel is an appropriate amount of follow up.

Date: August 20, 2018    Age: Above 60    Gender: Male    Marital Status: Married

Customer Service
I have essentially not used customer service for my home insurance so I can't speak to that, but on the auto side, they have done right by me in two separate auto claims. They were fast, efficient, and easy to use.

Date: November 18, 2017    Age: 50 to 59    Gender: Male    Marital Status: Unmarried

Website/App
Keep in mind that I rarely have to use the app or website, as I have not filed a claim. However, I once had to get into my account for some details and recall that the website was set up intuitively and was quite easy to navigate.

Progressive Home Insurance Reviews

Date: September 11, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Premium
I switched to Progressive from Esurance as they were much cheaper per year (~30%) and their website is easy to use.

Date: June 13, 2019    Age: 20 to 29    Gender: Married    Marital Status: Female

Customer Service
Progressives customer service is very friendly and helpful.i was on the phone getting another quote for our apartment building and the woman I spoke with so very pleasant and helped me.

GEICO Home Insurance Reviews

Date: January 01, 2019    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Customer Service
The home insurance company customer services is wide in scale which is allowance free and easy to reach the people capable.

Date: December 05, 2018    Age: 50 to 59    Gender: Female    Marital Status: Married

Policy Offerings
My home insurance covers fire, flood, wind and so many other things. For the price and coverage, our insurance is by far better than the others out there. We compared to several different companies and they didn't cover as many things and were more expensive.


AGI Insurance Group Home Insurance Reviews

Date: November 23, 2018    Age: Above 60    Gender: Male    Marital Status: Married

Customer Service
The local agent office in Llano has been very receptive to any questions or office visits. I couldn't ask for a better insurance company than AGI Insurance Group and am very happy with their professionalism and courtesy.

Esurance Home Insurance Reviews

Date: December 21, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Policy Offerings
I would say the offerings from my home insurance company are probably pretty similar to those of other companies. I had auto insurance through them already so the ability to bundle was a huge factor


Nationwide Home Insurance Reviews

Date: August 09, 2019    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Premium
Nationwide's premium was cheaper than any company I was able to find. I used numerous insurance sites that compared prices and was unable to find anything cheaper.

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