How Can I Make My Midland, TX Home Insurance Cheaper

Gavop's guide to buying homeowners insurance in Midland, 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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Select the Suitable Coverage Value for your Midland, TX Home | Back to Top

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $49,000 $40,000 $25,000-$50,000
2 Bedroom $129,000 $120,000 $125,000-$150,000
3 Bedroom $132,000 $110,000 $125,000-$150,000
4 Bedroom $124,000 $120,000 $100,000-$125,000
5 Bedroom $268,500 $240,000 $250,000-$300,000

Estimate your Savings with Home Insurance Discounts in Midland, TX | Back to Top

Type Discount ($) Premium After Discount ($)
Multipolicy Discount -$171 $1,052
Superior Protection Discount -$110 $1,114
Fire & Security Discount -$86 $1,138
Hail Resistant Roof Discount -$24 $1,199
Newly Constructed Home Discount -$269 $955

Choose your Midland, TX Home Insurance Coverage for your Specific Claim Requirement | Back to Top

Claim Type Average Claim Cost
General Claims
Water Damage $5,733
Physical Damage $2,295
Hail Damage $4,571
Wind Damage $6,051
Expensive Claims
Fire $44,229
Smoke $15,884

Identify Top Home Insurance Agents near Midland, TX | Back to Top

Home Insurance Company Midland, TX Homeowners Insurance Agency Midland, TX Address Popularity Score Distance from Midland (miles)
State Farm Jeremy West 2611b N Midland Dr, Midland, TX, 79707
1.0
Travelers Insure All Of West Texas 3328 N Midkiff Rd Ste 1, Midland, TX, 79705
1.9
State Farm Lara Sandlin 402 Andrews Hwy, Midland, TX, 79701-5836
3.4
Allstate Dan Bertelson 2123 E 42nd St, Odessa, TX, 79762
14.5
State Farm Abraham Gutierrez 4310 W Illinois Ave Ste 280, Midland, TX, 79703-5708
2.3
State Farm Laura Ingram 3317 Andrews Hwy, Midland, TX, 79703-5148
2.1
State Farm Larry Davisson 2400 N Grandview Ave, Odessa, TX, 79761-1604
14.8
State Farm Don Rhamey 3105 N Big Spring St, Midland, TX, 79705-5314
4.4
Travelers West Texas Insurance Exchange Inc 1030 Andrews Hwy #100, Midland, TX, 79701
2.7
Travelers Area Insurance Services Inc 1302 Big Spring N, Midland, TX, 79701
4.6

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

Compare Quotes from Top Providers and Save now!

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
Midland County, TX $187,400 $1,218 $800 $1,880 $1,080
Midland, TX $191,100 $1,224 $810 $1,880 $1,070
Midland County, TX $187,400 $1,218 $800 $1,880 $1,080
Andrews South, TX $96,800 $1,504 $990 $2,320 $1,330
Ector County, TX $120,800 $1,445 $950 $2,230 $1,280
Goldsmith, TX $83,600 $1,439 $950 $2,220 $1,270
Andrews, TX $131,700 $939 $620 $1,450 $830
Glasscock County, TX $193,600 $991 $650 $1,530 $880
Garden City South, TX $268,800 $1,991 $1,310 $3,070 $1,760
Andrews North, TX $136,400 $1,662 $1,100 $2,560 $1,460
Big Spring, TX $81,500 $1,285 $850 $1,980 $1,130
Forsan, TX $71,300 $1,372 $910 $2,110 $1,200

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

Share a review on your home insurance company


State Farm Home Insurance Reviews

Date: January 16, 2020    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Customer Service
State Farm overall has been very helpful. I have had nothing but great experiences with their customer service. They are very great at communicating if there is a problem with your account or if you have questions.

Date: January 16, 2020    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Policy Offerings
I have had frustration finding a policy that has what I want. I live in a place with high earthquake risk, and many companies don't offer the option for an earthquake coverage rider.


Date: September 18, 2019    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Customer Service
My home insurance company customer service is absolutely perfect. It is working on 24x7.customer care anytime helping mentality.It have insurance apply in their sites.

Date: July 13, 2019    Age: 40 to 49    Gender: Female    Marital Status: Married

Premium
The reason we have been with them for over 40 years is because the premiums and deductibles are always better than the other highest rated companies.

Date: October 21, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Website/App
Nothing special. Just a generic webpage. It is a little confusing to navigate around and not easy to find the things I need.

Date: September 24, 2018    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Website/App
I like that it is very easy to find my account and pay my bill. I don't really have any complaints about it. Its a well made website.

Date: September 20, 2018    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Customer Service
Iv never had too many issues with my house insurance, but I did have an issue when I was younger and wrecked my car with the same insurance company.

Date: September 10, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Policy Offerings
Fire damage, loss of property/belongings, damage to property, injury on property


Date: September 04, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Policy Offerings
The only thing covered by my insurance is the mortgage and that's it. it doesn't cover anything else at all.


Date: August 21, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Communication
Actually, I have very little to no interaction with them since the mortgage company just pays them directly and I don't need to have any interaction with them at all

Date: August 07, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Website/App
I like the ease of use, ability to access payment history, pay on the app, see insurance cards, access the policy on the app and be able to see the cost/price

Date: June 05, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Premium
I'm not really sure what the premium is on other insurance companies because I haven't researched this information

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

Communication
I feel like they communicate all right. it was hard to get my claim settled for my car, but it never had any issues with my home,

Date: March 13, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Premium
I think the premium is cheap and fair. it's not too expensive, and its rolled into my mortgage payment so it's very convenient.

Date: December 30, 2017    Age: 20 to 29    Gender: Female    Marital Status: Married

Customer Service
I've never had an issue with them and find that the price is reasonable enough to not complain about anything

Allstate Home Insurance Reviews

Date: April 01, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
When it comes to pricing Allstate does have the lowest rates for the amount of coverage that they offer and when everything is actually going as it's supposed to, you actually do save money.


Date: December 07, 2018    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Premium
I have a $3000 coverage with a $500 deductible for repair. Other policies have a larger deductible from my research.

Date: September 08, 2018    Age: 50 to 59    Gender: Female    Marital Status: Unmarried

Website/App
I like that it has all the contact information for the home company and most of the agents. It has answers to most questions that I would have normally.

Date: August 13, 2018    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Policy Offerings
Everything that I need, dwelling, fixtures, air conditioning system, flooring, walls, personal items, clothing, plumbing, electrical, heating, appliances, roof and gutters, carpeting, cabinets


Date: August 02, 2018    Age: Above 60    Gender: Male    Marital Status: Married

Customer Service
I feel that people in the company are always leaving and new people suddenly appear that are clueless as to what I've already inquired about. I then have to start over.

Date: July 27, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Premium
Most companies that I've contacted have about the same premium for the area that I live in which has hurricanes which is unfortunate.

Date: May 14, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Communication
I have an agent that is very likable and will get back to me if I contact her. I feel protected and feel like she is honest with me.

GEICO Home Insurance Reviews

Date: January 02, 2020    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Customer Service
The few times that I have had to deal with GEICO's customer service were extremely pleasant. Every time I called or met with an agent in person, I was treated with kindness, helpfulness, and respect.

Date: July 23, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Premium
My deductible is a little high for my liking, but I had to opt for a higher deductible in order to find an affordable rate. I am still happy with my policy but plan on decreasing my deductible.

Date: July 07, 2019    Age: 20 to 29    Gender: Unmarried    Marital Status: Female

Policy Offerings
best prices after i was price shopping. They offered more coverage at only a higher price point. Much better then competition


Universal Insurance Co of North America Home Insurance Reviews

Date: January 07, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Premium
I believe that my homeowners deductible is $1,000 but I am not sure without being able to look over the policy. I would rate Prudential a 4 because it seems their deductible was on point with other insurance carriers.

Date: November 18, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Premium
My premium and deductible is the usual as most home owners would have. It covers the usual with a 1,000 deductible.

Travelers Home Insurance Reviews

Date: December 27, 2019    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Policy Offerings
Home insurance cover duration is very long period.the main thing is cover accidental damages to your house.it's very good and easy way to getting insurance,nice policy offers is here.


Date: February 06, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Policy Offerings
I got quotes from several providers and while all of them seemed expensive, travelers had the best price point. We picked the policy based on the price.


Progressive Home Insurance Reviews

Date: January 08, 2020    Age: 40 to 49    Gender: Male    Marital Status: Married

Customer Service
I rate our business a 5/5 because we are great, genuine people and also that we are very lenient and can help you as much as we can

Safeco Insurance Home Insurance Reviews

Date: May 28, 2019    Age: 40 to 49    Gender: Married    Marital Status: Female

Premium
I would rate them 4 out of 5. When we have called around, no one so far can beat their rates. They are reasonably priced.

Amica Mutual Insurance Home Insurance Reviews

Date: October 06, 2019    Age: 20 to 29    Gender: Female    Marital Status: Married

Customer Service
your customer satisfaction score can be calculated by adding up the sum of all scores and dividing the sum by the number of respondents. Customer Satisfaction Score (CSAT) is the most commonly used satisfaction method

Liberty Mutual Home Insurance Reviews

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