How Can I Make My Lubbock, TX Home Insurance Cheaper

Gavop's guide to buying homeowners insurance in Lubbock, 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.

Compare Quotes from Top Providers and Save now!

Select the Suitable Coverage Value for your Lubbock, TX Home | Back to Top

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $48,000 $40,000 $50,000-$75,000
2 Bedroom $128,000 $100,000 $125,000-$150,000
3 Bedroom $188,500 $170,000 $175,000-$200,000
4 Bedroom $178,000 $160,000 $125,000-$150,000
5 Bedroom $444,000 $380,000 $350,000-$400,000

Choose the Best Lubbock, TX Home Insurance Premium for your Background | Back to Top

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Unemployed 800-850 Credit Score <$25,000 3 Pets, Smoker $430
Retired 700-749 Credit Score <$25,000 More than 3 Pets at home, Smoker $170
Freelancer 500-549 Credit Score $25 to 50,000 No Pets, Non-Smoker $470

Choose the Right Deductible for your Lubbock, 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 $300 $580 $880 $480 $780 $100
Lubbock County, TX $1,000 $560 $1,060 $480 $1,480 $-420
Lubbock, TX $700 $550 $1,050 $460 $1,160 $-110
Buffalo Springs, TX $100 $410 $510 $340 $440 $70
Shallowater, TX $1,000 $470 $970 $400 $1,400 $-430
Idalou, TX $300 $420 $720 $350 $650 $70
Opdyke West, TX $2,500 $150 $650 $130 $2,630 $-1,980
Littlefield, TX $200 $240 $440 $200 $400 $40
Sundown, TX $2,000 $370 $870 $310 $2,310 $-1,440
Crosby County, TX $300 $260 $560 $220 $520 $40
Crosbyton, TX $1,000 $250 $750 $200 $1,200 $-450
Post East, TX $300 $180 $480 $150 $450 $30
Sudan, TX $2,000 $200 $700 $170 $2,170 $-1,470

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

Home Insurance Company Lubbock, TX Homeowners Insurance Agency Lubbock, TX Address Popularity Score Distance from Lubbock (miles)
Farmers Michael Berg 5811 64th St Unit A, Lubbock, TX, 79424
4.2
Travelers Ashmore & Associates Insurance Agency Llc 6102 82nd Street #6, Lubbock, TX, 79424
5.3
Travelers Sig-Dansby And Associates 5147a 69th St, Lubbock, TX, 79424
3.6
Farmers Daniel Enabnit 8605 Milwaukee Ave Ste 101, Lubbock, TX, 79424
5.8
State Farm Dick Phillips 5740 82nd St, Lubbock, TX, 79424-2660
4.9
Travelers Bledsoe Insurance Agency Inc 5143 69th St, Lubbock, TX, 79424
3.6
Travelers Sanford & Tatum Insurance Agency 6303 Indiana Ave, Lubbock, TX, 79413
2.7
Farmers Rc Calderon 1314 50th St, Lubbock, TX, 79412
2.8
Allstate Paul Willems 4747 S Loop 289 Ste 140, Lubbock, TX, 79424
3.4
Travelers Butler-Carson Insurance 4505 82nd St Ste 6, Lubbock, TX, 79424
4.1

Compare Rates for Lubbock, 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 $128,000 $740 $490 $1,140 $650
Lubbock County, TX $107,300 $450 $300 $690 $390
Lubbock, TX $109,200 $560 $370 $860 $490
Buffalo Springs, TX $85,700 $370 $240 $570 $330
Shallowater, TX $89,600 $520 $340 $800 $460
Idalou, TX $102,800 $450 $300 $690 $390
Opdyke West, TX $31,700 $150 $100 $230 $130
Littlefield, TX $63,900 $270 $180 $420 $240
Sundown, TX $71,100 $340 $220 $520 $300
Crosby County, TX $52,500 $260 $170 $400 $230
Crosbyton, TX $50,500 $220 $150 $340 $190
Post East, TX $46,600 $240 $160 $370 $210
Sudan, TX $46,200 $270 $180 $420 $240

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

Share a review on your home insurance company


State Auto Home Insurance Reviews

Date: December 29, 2018    Age: 50 to 59    Gender: Male    Marital Status: Married

Policy Offerings
The best I know, the offerings are competitive with other insurers. My insurer, regular sends notices of additional coverages we can purchase or consider.


Date: October 05, 2018    Age: 50 to 59    Gender: Male    Marital Status: Married

Communication
I have not had to communicate with the home insurance side of State Auto, but the car insurance side has been helpful and quick to communicate. I would hope, the home insurance side would do the same.

Date: September 20, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Customer Service
I have not had to use the customer service for my home insurance, but the service for the auto insurance is pretty decent. They are quick to reply and helpful. I would imagine the same would be true for the home insurance side.

Date: September 20, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
I am mostly satisfied with the premium. It would be great if it was cheaper, but it is paid from my escrow account and I rarely deal with it.

Date: July 26, 2018    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Policy Offerings
My insurance covers lost items, health issues, outside structures, and home repair.


Date: May 14, 2018    Age: 50 to 59    Gender: Male    Marital Status: Married

Website/App
I haven't had to file a claim on the website, but I use it for my auto insurance and it is not user-friendly. It is hard to find where you need to go to pay your bill and to find coverage information. I would imagine that the home insurance side would be the same.

Safeco Insurance Home Insurance Reviews

Date: September 18, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Website/App
The website is easy to use, but very outdated. The website design looks old. It does not have all the new features like other websites do. I like that I can get information, but it needs to be updated.

Date: September 12, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Communication
I know I can pick up a phone and call if I need to talk to someone, but I wish they offered online chat because I prefer to use that feature over others.

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

Policy Offerings
They will cover the house and my property inside along with payments for loss of use. They also cover other structures like my shed that is located on my property. We also have out wedding ring son our insurance.


Date: May 13, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
The customer service has been good overall. In the beginning, the salesperson after making the sale would not return my calls which were not nice, but I called their customer service number instead and that person was helpful.

Date: May 03, 2018    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Premium
This company was able to beat everyone else and provide me with the price I wanted to pay with the coverage that I needed. I always wish it was less, but overall I am happy.

Farmer's Insurance Home Insurance Reviews

Date: September 17, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Communication
I get enough pieces of correspondence from my company that I feel engaged without feeling bothered. I appreciate what they do send and generally read it quickly.

Date: September 16, 2018    Age: 50 to 59    Gender: Female    Marital Status: Unmarried

Customer Service
I have never had an issue with the customer service, every time I have had an issue and needed to call I have been able to reach someone quickly and get an answer, etc. quickly with little hassle.

Date: September 08, 2018    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Premium
I think we are getting the best deal we can after shopping around I have not found a substantially cheaper option and many times when I get quotes they are far more than what we are paying.

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

Policy Offerings
The policy covers most of the basics such as damage to the property itself, the garage and fencing, etc. The policy also covers medical fees for people injured on the property such as workers, visitors, etc.


Date: May 27, 2018    Age: Above 60    Gender: Female    Marital Status: Unmarried

Website/App
The website is set up well and easy to use, I have no issues with the website. The app, however, is slow and does not have much functionality. I find that I have to almost always go to the website instead of the app to accomplish tasks, etc.

Allstate Home Insurance Reviews

Date: September 12, 2019    Age: 20 to 29    Gender: Male    Marital Status: Married

Policy Offerings
Allstate's home insurance policy costs me around $15 a month. I don't really use it, but I pay for it just in case. I would be happier if it were cheaper, since I don't actually need it.


Date: February 10, 2019    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Customer Service
the customers service is very efficient , new customers can thus understand the premiums and can feel totally associated with the company. the services are just superb.

State Farm Home Insurance Reviews

Date: April 05, 2019    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Premium
Our premium and deductible are both what we need and then a little extra and is still the most affordable one compared to several of the other options we explored.

Date: October 17, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Policy Offerings
The dwelling itself, other structures on the property, personal property, loss of use, personal liability, medical payments, I also added coverage for personal injury


Blue Cross Blue Shield Home Insurance Reviews

Date: December 31, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Premium
I am very satisfied with the premium and deductible of my current policy, in comparison with other home insurance policies, for the same coverage of other insurance companies. Since the premiums are more price accessible, and the answering service in the momonto of a disaster is faster.

Progressive Home Insurance Reviews

Date: July 16, 2019    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Customer Service
I am very satisfy with Progressive. They have excellent customer service. I am able to reach a real person within minutes of calling.

Liberty Mutual Home Insurance Reviews

Date: September 16, 2019    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Policy Offerings
They overall seem good. I cant guarantee that every other company has better offers than what i am getting now. I feel im paying a reasonable amount and im getting all the protection i need.


American National Property and Casualty Company Home Insurance Reviews

Date: November 17, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Premium
The deductibles are fairly standard for the coverage and property types we own but the premiums are a good 30% less than the competition (albeit with the life insurance loop hole previously mentioned)

Travelers Home Insurance Reviews

Date: June 04, 2019    Age: 40 to 49    Gender: Married    Marital Status: Male

Premium
The premium is average with my insurance company and deductibles are set higher for the time being.

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