Gavop's guide to buying homeowners insurance in Howard County, 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.
| Howard County, 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 | |
| E 23rd St, NE Boardway, NW 2nd St, N Owens St, W Marcy Dr, State Hwy 176, Robin St, Jocelyn Rd, Howell St, W 14th St | $77,500 | $70,000 | $50,000-$75,000 | $81,500 | $80,000 | $50,000-$75,000 |
| E 24th St, Joshua Dr, Belvedere Rd, S Monticello St, Sunset Blvd, Co Rd 15, Marshall Dr, Lynn Dr, Andrews Hwy, Shallow Water | $95,000 | $90,000 | $75,000-$100,000 | $73,000 | $70,000 | $75,000-$100,000 |
| E C R 49, Amber Ln, N Birdwell Ln, E 11th St, W Marcy Dr, Old C City Hwy, Thorpe St, McGettes, N Co Rd 43, E Co Rd 36 | $117,000 | $110,000 | $125,000-$150,000 | $91,000 | $80,000 | $100,000-$125,000 |
| N Aylesford St, S Svc Rd, Avalon Ct, Andrews Hwy, Old Airport Rd, Harding, Co Rd 25, Commanche Dr, Wood St, San Jacinto St | $131,500 | $110,000 | $125,000-$150,000 | $92,500 | $80,000 | $75,000-$100,000 |
| S Salem Rd, Webb Ln, Borden Rd, Bluebonnet Ave, Anna St, Neill Rd, W Co Rd 36, Runnels St, E FM 700, Armstrong St | $88,500 | $70,000 | $75,000-$100,000 | $45,000 | $40,000 | $25,000-$50,000 |
| Dixie Ave, E 25th St, Austin St, Caylor Dr, Co Rd 42, Highland Heather St, Cherokee St, N Cottonwood St, Young St, Old State Hwy 80 | $113,500 | $100,000 | $100,000-$125,000 | $52,000 | $50,000 | $25,000-$50,000 |
| Marquette Ave, 2nd St, Dixon St, E 11th Pl, W 9th St, Magnolia Ave, Nix Rd, Abrams St, Jefferson St, E 15th St | $102,000 | $90,000 | $75,000-$100,000 | $67,500 | $60,000 | $50,000-$75,000 |
| Rex Ave, Cottonwood St, Martin Rd, Washington Blvd, Adams St, Lark St, NE 9th St, Pennsylvania Ave, E 21st St, Scurry St | $140,000 | $120,000 | $150,000-$175,000 | $103,500 | $90,000 | $100,000-$125,000 |
| Riva Ridge, Bethel Dr, Pats Rd, March Cir, W 7th St, N Co Rd 45, Whipkey Dr, Pickens Ave, 11th Pl Exd, Young St | $109,000 | $90,000 | $75,000-$100,000 | $101,000 | $90,000 | $100,000-$125,000 |
| Wilson Rd, Settles St, Snyder Field Rd, S Svc Rd, Marilyn Dr, NW 2nd St, Lintner Rd, Easterling Rd, Canary St, Dogwood St | $107,500 | $90,000 | $100,000-$125,000 | $118,500 | $110,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$222 | $1,083 |
| Superior Protection Discount | -$117 | $1,188 |
| Fire & Security Discount | -$104 | $1,201 |
| Hail Resistant Roof Discount | -$26 | $1,279 |
| Newly Constructed Home Discount | -$274 | $1,031 |
| 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 |
| Howard County | $1,000 | $1,289 | $2,289 | $937 | $1,937 | $352 |
| Howard County, TX | $2,500 | $1,289 | $3,789 | $937 | $3,437 | $352 |
| Lake Colorado City, TX | $1,000 | $1,365 | $2,365 | $992 | $1,992 | $373 |
| Martin County, TX | $200 | $993 | $1,193 | $721 | $921 | $271 |
| Tarzan-Lenorah, TX | $700 | $1,657 | $2,357 | $1,204 | $1,904 | $453 |
| Gail, TX | $100 | $1,171 | $1,271 | $851 | $951 | $320 |
| Dawson County, TX | $2,000 | $943 | $2,943 | $686 | $2,686 | $258 |
| Lamesa, TX | $100 | $936 | $1,036 | $680 | $780 | $256 |
| Scurry County, TX | $1,000 | $1,033 | $2,033 | $751 | $1,751 | $282 |
| Midland South, TX | $100 | $1,664 | $1,764 | $1,209 | $1,309 | $455 |
| Home Insurance Company Howard County, TX | Homeowners Insurance Agency Howard County, TX | Address | Popularity Score | Distance from Howard County (miles) |
|---|---|---|---|---|
| State Farm | Eddy Ohlenburg | 2302 West Wadley, Midland, TX, 79705-6342 | 43.8 | |
| State Farm | Jeremy West | 2611b N Midland Dr, Midland, TX, 79707 | 45.8 | |
| Travelers | Insure All Of West Texas | 3328 N Midkiff Rd Ste 1, Midland, TX, 79705 | 44.7 | |
| State Farm | Lara Sandlin | 402 Andrews Hwy, Midland, TX, 79701-5836 | 44.3 | |
| Farmers | Tommy Churchwell | 2303 Goliad St, Big Spring, TX, 79720 | 5.1 | |
| State Farm | Roy Nelson | 910 W Wall St, Midland, TX, 79701-6636 | 43.3 | |
| State Farm | Abraham Gutierrez | 4310 W Illinois Ave Ste 280, Midland, TX, 79703-5708 | 46.0 | |
| State Farm | Laura Ingram | 3317 Andrews Hwy, Midland, TX, 79703-5148 | 45.1 | |
| State Farm | Don Rhamey | 3105 N Big Spring St, Midland, TX, 79705-5314 | 42.3 | |
| Farmers | Avery Doss | 801 N 1st St, Lamesa, TX, 79331 | 42.3 |
| 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 |
| Howard County, TX | $85,700 | $1,305 | $860 | $2,010 | $1,150 |
| Howard County, TX | $85,700 | $1,305 | $860 | $2,010 | $1,150 |
| Lake Colorado City, TX | $73,100 | $1,382 | $910 | $2,130 | $1,220 |
| Martin County, TX | $120,500 | $1,005 | $660 | $1,550 | $890 |
| Tarzan-Lenorah, TX | $141,100 | $1,677 | $1,110 | $2,580 | $1,470 |
| Gail, TX | $42,500 | $1,185 | $780 | $1,820 | $1,040 |
| Dawson County, TX | $66,400 | $955 | $630 | $1,470 | $840 |
| Lamesa, TX | $64,600 | $947 | $630 | $1,460 | $830 |
| Scurry County, TX | $89,800 | $1,046 | $690 | $1,610 | $920 |
| Midland South, TX | $143,400 | $1,684 | $1,110 | $2,590 | $1,480 |