Gavop's guide to buying homeowners insurance in Zapata, 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 | $30,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $52,000 | $40,000 | $25,000-$50,000 |
| 3 Bedroom | $116,000 | $100,000 | $100,000-$125,000 |
| 4 Bedroom | $122,000 | $110,000 | $125,000-$150,000 |
| 5 Bedroom | $171,000 | $150,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$167 | $760 |
| Superior Protection Discount | -$93 | $834 |
| Fire & Security Discount | -$65 | $862 |
| Hail Resistant Roof Discount | -$28 | $899 |
| Newly Constructed Home Discount | -$232 | $695 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,156 |
| Physical Damage | $2,392 |
| Hail Damage | $4,476 |
| Wind Damage | $6,178 |
| Expensive Claims | |
| Fire | $45,123 |
| Smoke | $17,222 |
| Home Insurance Company Zapata, TX | Homeowners Insurance Agency Zapata, TX | Address | Popularity Score | Distance from Zapata (miles) |
|---|---|---|---|---|
| Farmers | Edgar Gonzalez | 2702 Jaime Zapata Memorial Hwy Unit 1, Laredo, TX, 78043 | 42.6 | |
| State Farm | Luis Estrada | 3660 E Del Mar Blvd Ste 9, Laredo, TX, 78041-6528 | 48.0 | |
| State Farm | Anabella Herbig | 315 Calle Del Norte, Laredo, TX, 78041-2662 | 47.5 | |
| Travelers | Henri D Kahn Insurance Service Llc | 112 Del Court, Suite B, Laredo, TX, 78041 | 48.3 | |
| Travelers | Pena Insurance Agency | 220 W Hillside Rd Lot 11, Laredo, TX, 78041 | 47.0 | |
| Travelers | Henri D Kahn Insurance Service Llc | 112 Del Court Ste B, Laredo, TX, 78041 | 48.3 | |
| State Farm | Kevin Romo | 7917 Mcpherson Rd Ste 208, Laredo, TX, 78045-2812 | 48.4 | |
| State Farm | Herman Dominguez | 3120 N Arkansas Ave, Laredo, TX, 78043-1644 | 44.9 | |
| Farmers | Melissa Ramirez | 902 N Us Highway 83, Zapata, TX, 78076 | 9.5 | |
| State Farm | Nora Sanchez | 502 W Calton Rd Ste 104, Laredo, TX, 78041-6631 | 47.0 |
| 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 |
| Zapata County, TX | $60,700 | $930 | $610 | $1,430 | $820 |
| Zapata, TX | $60,000 | $927 | $610 | $1,430 | $820 |
| Falcon Lake Estates, TX | $108,200 | $1,555 | $1,030 | $2,390 | $1,360 |
| Laredo South-El Cenizo, TX | $88,800 | $1,466 | $970 | $2,260 | $1,290 |
| Rio Bravo, TX | $61,800 | $1,315 | $870 | $2,030 | $1,160 |
| La Presa, TX | $151,500 | $1,709 | $1,130 | $2,630 | $1,500 |
| Hebbronville, TX | $56,400 | $1,281 | $850 | $1,970 | $1,120 |
| Miguel Barrera, TX | $53,300 | $1,260 | $830 | $1,940 | $1,110 |
| Garza-Salinas II, TX | $66,400 | $1,343 | $890 | $2,070 | $1,180 |