How Can I Make My Gaines County, TX Home Insurance Cheaper

Gavop's guide to buying homeowners insurance in Gaines 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.

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

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $44,000 $40,000 $25,000-$50,000
2 Bedroom $86,000 $70,000 $100,000-$125,000
3 Bedroom $133,500 $110,000 $125,000-$150,000
4 Bedroom $188,500 $150,000 $175,000-$200,000
5 Bedroom $225,000 $200,000 $250,000-$300,000

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

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Full Time Job Up to 499 Credit Score $25 to 50,000 3 Pets, Non-Smoker $800
Retired 800-850 Credit Score $25 to 50,000 No Pets, Non-Smoker $610
Unemployed 700-749 Credit Score <$25,000 More than 3 Pets at home, Non-Smoker $170

Choose the Right Deductible for your Gaines County, 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 $200 $620 $820 $500 $700 $120
Gaines County, TX $1,500 $400 $900 $330 $1,830 $-930
Gaines County, TX $2,500 $440 $940 $360 $2,860 $-1,920
Seminole, TX $400 $460 $860 $390 $790 $70
Wellman, TX $1,000 $260 $760 $220 $1,220 $-460
Lamesa Northwest, TX $400 $290 $690 $240 $640 $50
McKinney Acres, TX $1,000 $330 $830 $280 $1,280 $-450
Andrews South, TX $500 $460 $960 $380 $880 $80
Lamesa Northeast, TX $2,000 $150 $650 $120 $2,120 $-1,470
Tarzan-Lenorah, TX $300 $510 $810 $430 $730 $80
Martin County, TX $2,000 $340 $840 $290 $2,290 $-1,450
O'Donnell, TX $100 $260 $360 $220 $320 $40

Identify Top Home Insurance Agents near Gaines County, TX | Back to Top

Home Insurance Company Gaines County, TX Homeowners Insurance Agency Gaines County, TX Address Popularity Score Distance from Gaines County (miles)
State Farm Jeanie Coor 1502 Lubbock Hwy, Lamesa, TX, 79331-3330
39.6
State Farm Guy Chaney 400 S Main St, Seminole, TX, 79360-5058
2.1
Travelers Moore-Haralson Agency P C 206 S Main, Seminole, TX, 79360
2.0
State Farm Susie Bray 214 E Tahoka Rd, Brownfield, TX, 79316-3624
36.6
State Farm Russell Dial 310 N Main Ave, Denver City, TX, 79323-3242
19.2
Farmers Shannon Forbes 606 N 4th St, Lamesa, TX, 79331
39.4
State Farm Lynn Fisher 201 S Main St, Andrews, TX, 79714-7123
29.8
Farmers Pamela Escobar 500 N Main St, Andrews, TX, 79714
29.4
Farmers Avery Doss 801 N 1st St, Lamesa, TX, 79331
39.3
State Farm Paul Wade 101 Main Ave, Lamesa, TX, 79331-5531
39.6

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

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Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
Texas $128,000 $590 $390 $910 $520
Gaines County, TX $83,100 $460 $300 $710 $410
Gaines County, TX $83,100 $490 $320 $750 $430
Seminole, TX $88,300 $480 $320 $740 $420
Wellman, TX $60,800 $340 $220 $520 $300
Lamesa Northwest, TX $78,300 $450 $300 $690 $390
McKinney Acres, TX $65,400 $380 $250 $590 $340
Andrews South, TX $91,200 $400 $260 $620 $360
Lamesa Northeast, TX $40,000 $220 $150 $340 $190
Tarzan-Lenorah, TX $101,800 $560 $370 $860 $490
Martin County, TX $69,600 $400 $260 $620 $360
O'Donnell, TX $55,800 $230 $150 $350 $200