How Can I Make My McKinney, TX Home Insurance Cheaper

Gavop tells you how to get the best homeowners insurance in McKinney, TX by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.

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

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $60,500 $60,000 $50,000-$75,000
2 Bedroom $148,500 $130,000 $150,000-$175,000
3 Bedroom $136,000 $110,000 $125,000-$150,000
4 Bedroom $290,500 $260,000 $250,000-$300,000
5 Bedroom $385,000 $340,000 $400,000-$500,000

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

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Unemployed Up to 499 Credit Score <$25,000 No Pets, Non-Smoker $310
Full Time Job 650-699 Credit Score $25 to 50,000 3 Pets, Smoker $530
Part Time Job 500-549 Credit Score $25 to 50,000 1 Pet, Smoker $1,720

Choose the Right Deductible for your McKinney, 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 $460 $560 $390 $490 $70
Collin County, TX $2,000 $750 $1,250 $640 $2,640 $-1,390
McKinney, TX $1,000 $720 $1,220 $610 $1,610 $-390
Farmers Branch, TX $100 $560 $660 $460 $560 $100
Rowlett, TX $1,500 $790 $1,290 $700 $2,200 $-910
Gunter, TX $400 $590 $990 $490 $890 $100
Heath, TX $2,000 $1,470 $1,970 $1,260 $3,260 $-1,290
Sunnyvale, TX $400 $1,460 $1,860 $1,210 $1,610 $250
Southwest Dallas, TX $2,500 $580 $1,080 $480 $2,980 $-1,900
Haltom City, TX $200 $390 $590 $320 $520 $70
Newark, TX $700 $540 $1,040 $450 $1,150 $-110
Lake Worth, TX $100 $400 $500 $340 $440 $60
South Bryan, OK $2,500 $310 $810 $260 $2,760 $-1,950

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

Home Insurance Company McKinney, TX Homeowners Insurance Agency McKinney, TX Address Popularity Score Distance from McKinney (miles)
State Farm Vince Adams 5932 River Oaks Blvd, Fort Worth, TX, 76114-3348
48.5
State Farm Burl Wood 3608 Preston Rd Ste 200, Plano, TX, 75093-8657
9.7
State Farm Drew Baccus 7965 Custer Rd Ste 122, Plano, TX, 75025-3155
6.2
State Farm Raymond Holden 6100 Avenue K Ste 106, Plano, TX, 75074-2538
8.3
State Farm Jay Lowe 2637 Ira E Woods Ave Ste 102, Grapevine, TX, 76051-9010
28.1
Liberty Mutual Independent Usi Southwest 1445 Ross Ave Ste 4200, Dallas, TX, 75202
27.3
Farmers Rony Chavez 2601 Network Blvd Ste 208, Frisco, TX, 75034
7.7
Travelers Frost Insurance Agency Inc 5710 Lbj Fwy Suite 460, Dallas, TX, 75240
17.9
State Farm Christopher Walls 3308 Preston Road, Plano, TX, 75093-7350
9.9
State Farm Louie Devega 6205 Coit Road, Plano, TX, 75024-5474
8.5

Compare Rates for McKinney, 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 $730 $480 $1,120 $640
Collin County, TX $204,900 $1,110 $730 $1,710 $980
McKinney, TX $196,700 $940 $620 $1,450 $830
Farmers Branch, TX $145,000 $770 $510 $1,190 $680
Rowlett, TX $162,000 $920 $610 $1,420 $810
Gunter, TX $120,700 $560 $370 $860 $490
Heath, TX $350,400 $1,400 $920 $2,160 $1,240
Sunnyvale, TX $298,900 $1,580 $1,040 $2,430 $1,390
Southwest Dallas, TX $112,800 $500 $330 $770 $440
Haltom City, TX $88,100 $470 $310 $720 $410
Newark, TX $103,900 $530 $350 $820 $470
Lake Worth, TX $79,700 $440 $290 $680 $390
South Bryan, OK $67,700 $350 $260 $490 $230

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

Share a review on your home insurance company


State Farm Home Insurance Reviews

Date: March 07, 2019    Age: 40 to 49    Gender: Female    Marital Status: Unmarried

Customer Service
It is great, my agent is local so I can call or stop in anytime. I feel like they understand and know me and this area, and it's a comforting feeling.

Date: November 10, 2018    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Website/App
very usefull when you need car help are have any questen

Date: September 25, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Communication
I have not ever had an problems with the communication methods used by State Farm regarding my insurance. I receive occasional emails and mailers.

Date: September 19, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Premium
I haven't researched other company premiums, as I've been with State Farm for a long time now. I would assume that State Farm is probably my best option due to my tenure with them.

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

Policy Offerings
My state farm home owner's insurance policy covers fire, hail damage, flooding and other acts of nature. I pay annually for this coverage.


Date: September 06, 2018    Age: Above 60    Gender: Male    Marital Status: Married

Customer Service
Even though I don't interact with my agent very often, he usually responds very promptly to any questions I might have and is always extremely friendly and patient in addressing any of my issues.

Date: August 31, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Website/App
State Farm's app interface is very good - it's intuitive and easy to access on short notice, and also negates the need for me to carry a physical insurance card around.

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

Customer Service
I have never had an issue with State Farm's customer service regarding my home owners insurance policies. The staff is always friendly and willing to explain the costs and details to me.

Date: August 06, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Website/App
State Farm's website is easy to access and pay bills. I can also download my insurance cards and view all of my policy information there. I typically use the email function to contact my representative with questions.

Date: August 03, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
I have been using state Farm for home owner's insurance for about 6 years now. I made this decision because it is what my father uses for his home and we get a family discount. I have not compared the rates for home owner's insurance to other insurance companies.

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

Communication
I have a neutral opinion regarding this matter, as I've never had to reach out to them regarding any matters.

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

Policy Offerings
This policy covers building property, personal property, loss of use, and loss assessment


Liberty Mutual Home Insurance Reviews

Date: April 07, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
I don't have any other experience with any other home insurance companies. I imaging the premium and deductible are competitive with other companies, I should probably check.

Date: March 15, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
when we compared to others insurance policies my insurance coverage is very low .hencw it makes clients appreciable.

Date: November 27, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Premium
I found they had one of the lowest deductibles around. They were at a smaller cost than the other insurers for the same price.

Date: September 21, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Website/App
I don't really rely on the website or app to do most of my dealings. I would rather deal with a regular person. The website asks too many personal questions for me to feel comfortable. The app is just too hard for me to use. I would rather talk to a real person.

Date: September 17, 2018    Age: 50 to 59    Gender: Female    Marital Status: Married

Policy Offerings
All of the necessary things are covered. Except for so-called acts of God. Flooding is not covered if it is below ground level. But the entire house the inside of the house the structures outside of the house plus medical payments for people that are hurt on the property. Also the outbuildings, shed and pool house. Are covered. Plumbing and electrical and heating and cooling but not air-conditioning systems.


Date: August 15, 2018    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Communication
Initially, it was okay of course. Because that is when they want to sell you something. After that, they just seemed kind of bow out, and let you become one of the thousands of faceless customers. After the initial contacts, they don't seem to care much about retaining customers.

Date: August 07, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Customer Service
It's just middle-of-the-road. Oftentimes the weight is very long. Many times you could be on hold for 45 minutes or more. Sometimes the customer service people are hard to understand because English is their second language. And so this makes the phone call take longer. But I do think they are trying to help, and usually, an issuer question can be resolved if I have the time to put into it.

Date: July 29, 2018    Age: Above 60    Gender: Female    Marital Status: Unmarried

Premium
Actually, I think it is a little high... I have seen it go up over the past few years. I think some things are covered and some things are not and the price is too high for that spotty coverage. I think overall it should be lower may be more like three to $400 in a year.

GEICO Home Insurance Reviews

Date: April 25, 2019    Age: 20 to 29    Gender: Female    Marital Status: Married

Customer Service
They have been great there price goes up every year and I hate that. On a scale from 1 to 5 inwouI give them a 4. The customer service is reloabre

Date: April 23, 2019    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Policy Offerings
My policy is great! It is cheaper than every other company I compared it to, and the policy is almost identical to one that was $100 more per year.


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

Customer Service
for a overall, I am ok with my insurance company. However, they do response slowly and go over a lot of information and the problem usually will not be solved with only one phone call.

Date: September 12, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Website/App
I like that the website is not complicated and I can get most of my answers without having to speak or wait for a representative. I also like the chat feature.

Date: August 23, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
I like the premium because it is far less than the competitors. We have shopped around and this policy covers flood while others do not.

Date: August 01, 2018    Age: Above 60    Gender: Male    Marital Status: Married

Communication
I am satisfied with the communication because I am not inundated with emails and mail. I receive one email when my payment is due and that is it.

Date: July 25, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
I have full coverage on all of my things inside of my dwelling, to include jewelry and electronics.


Date: November 19, 2017    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Customer Service
I like it that the customer service reps are friendly and knowledgeable. I have dealt with some other companies where the reps are very rude.

RVOS Insurance Home Insurance Reviews

Date: September 21, 2018    Age: Above 60    Gender: Female    Marital Status: Married

Policy Offerings
The home itself is completely covered. If destroyed the home will be rebuilt. Also, the furnishings inside the home are covered. Then the policy covers buildings on the property as well as additional coverage in case the central heat and air unit breaks down.


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

Customer Service
I like that the customer service is friendly and polite. They are also professional. I do not like that they do not have a twenty four hour call center for customer service. I also do not like that the customer service agents can not access my policy. They tell me to call my agent for that.

Date: August 02, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Website/App
I like that I can pay my insurance premium on the website. I do not like that I can not access my policy and read about it. i can not see what is covered and find details regarding my policy.

Date: August 02, 2018    Age: 50 to 59    Gender: Female    Marital Status: Married

Communication
My interaction with the company is distant and professional. I like that. I like that they do not sent out to many emails or mailings. I also like that they are to the point in their interactions with me.

Date: June 10, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
I believe the premium is a little high. The insurance company has had to pay out a great deal of policies over the past couple of years due to weather related damages so they have raised the rates on the premiums to adjust for this.

AAA Home Insurance Reviews

Date: April 15, 2019    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Customer Service
I have not had to file any claims, but the representative I worked with was very knowledgeable and secured a great price for me in conjunction with my car insurance.

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

Premium
I am completely satisfied with the premium and deductible on my policy. They compare to other major insurance companies, but the care you get from AAA is superior to most other insurance companies.

Farmer's Insurance Home Insurance Reviews

Date: April 11, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
I would say that they are a 4 as well for what they offer in the policy. There is every kind of coverage that other insurance companies had and just as much compensation but less premium to pay.


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

Customer Service
I have been pretty happy with Farmers Insurance company they seem to really enjoy their customers and were always friendly with me.

Allstate Home Insurance Reviews

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

Policy Offerings
My home insurance policy include my house, my person property and liability. Pretty standard stuff. I chose them because they have local agents that check on me regularly and their help with my claims.


Progressive Home Insurance Reviews

Date: March 27, 2019    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Customer Service
i have never used the customer service number. i set it up online and havent talked to anyone

Travelers Home Insurance Reviews

Date: March 31, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
Customer service has been good and they are quick to address issues. I would rate it as 4 on a scale of 1-5, mostly because I haven't had to use all the features so I can't speak to everything.