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

Estimate your Savings with Home Insurance Discounts in Gaines County, TX | Back to Top

Type Discount ($) Premium After Discount ($)
Multipolicy Discount -$177 $804
Superior Protection Discount -$98 $883
Fire & Security Discount -$88 $893
Hail Resistant Roof Discount -$29 $951
Newly Constructed Home Discount -$235 $745

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
Gaines County $1,500 $969 $2,469 $704 $2,204 $265
Gaines County, TX $2,500 $969 $3,469 $704 $3,204 $265
Seminole, TX $400 $991 $1,391 $720 $1,120 $271
Wellman, TX $1,000 $1,093 $2,093 $794 $1,794 $299
Lamesa Northwest, TX $400 $1,338 $1,738 $972 $1,372 $366
McKinney Acres, TX $1,000 $1,319 $2,319 $959 $1,959 $360
Andrews South, TX $500 $1,486 $1,986 $1,080 $1,580 $406
Lamesa Northeast, TX $2,000 $1,376 $3,376 $1,000 $3,000 $376
Tarzan-Lenorah, TX $300 $1,657 $1,957 $1,204 $1,504 $453
Martin County, TX $2,000 $993 $2,993 $721 $2,721 $271
O'Donnell, TX $100 $1,325 $1,425 $963 $1,063 $362

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 $151,500 $1,709 $1,130 $2,630 $1,500
Gaines County, TX $111,000 $981 $650 $1,510 $860
Gaines County, TX $111,000 $981 $650 $1,510 $860
Seminole, TX $119,900 $1,003 $660 $1,540 $880
Wellman, TX $32,000 $1,106 $730 $1,700 $970
Lamesa Northwest, TX $68,200 $1,354 $890 $2,090 $1,200
McKinney Acres, TX $65,100 $1,335 $880 $2,060 $1,180
Andrews South, TX $96,800 $1,504 $990 $2,320 $1,330
Lamesa Northeast, TX $75,000 $1,393 $920 $2,150 $1,230
Tarzan-Lenorah, TX $141,100 $1,677 $1,110 $2,580 $1,470
Martin County, TX $120,500 $1,005 $660 $1,550 $890
O'Donnell, TX $66,100 $1,341 $890 $2,070 $1,180