Gavop's guide to buying homeowners insurance in Elm Mott, 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.
| Elm Mott, 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 Long St, Timber Creek Rd, Co Rd 316A, Podsedink Ln, Leroy Pkwy, Niles Ln, Elden Cir, Oakgrove Cir, S Mc Lennan St, Deer Creek | $141,000 | $120,000 | $125,000-$150,000 | $121,500 | $100,000 | $100,000-$125,000 |
| Caudill Ln, Morgan Ln, 4th St, Far Paddock Rd, Idlewood Dr, N Old Dallas Rd, Mesquite St, W Walnut St, Eleanor Rd, Nolan Harris St | $124,000 | $110,000 | $125,000-$150,000 | $76,500 | $70,000 | $75,000-$100,000 |
| Paintbrush, Triple Oaks, Ouida Dr, Taylor Ln, Roanoak Ave, Coxs Oak Valley Rd, Buster Chatham Rd, W Ash St, Borman Ln, W Battaile St | $188,000 | $170,000 | $200,000-$250,000 | $125,000 | $110,000 | $125,000-$150,000 |
| Beverly Cox Dr, Dewberry Way, Anthony Dr, Shady Ln, High Point Dr, S McLennan Loop, Ross Rd, Fort Graham Cir, Coastal Ln, Sunnycrest Dr | $171,000 | $160,000 | $150,000-$175,000 | $82,000 | $70,000 | $50,000-$75,000 |
| Our Way Rd, Wildwood Dr, 6th St, Nightingale Ln, Pepper Ln, Starlight Dr, Apache Dr, Old Dallas Hwy, S Connally Dr, Willow Dale Ln | $170,000 | $160,000 | $125,000-$150,000 | $109,500 | $90,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$188 | $803 |
| Superior Protection Discount | -$99 | $892 |
| Fire & Security Discount | -$69 | $922 |
| Hail Resistant Roof Discount | -$20 | $972 |
| Newly Constructed Home Discount | -$198 | $793 |
| 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 |
| McLennan County | $700 | $1,442 | $2,142 | $1,048 | $1,748 | $394 |
| Elm Mott, TX | $700 | $980 | $1,680 | $712 | $1,412 | $268 |
| Ross, TX | $200 | $1,514 | $1,714 | $1,100 | $1,300 | $414 |
| China Spring, TX | $1,000 | $956 | $1,956 | $695 | $1,695 | $261 |
| Hubbard-Mount Calm, TX | $500 | $1,441 | $1,941 | $1,047 | $1,547 | $394 |
| Hillsboro, TX | $1,000 | $1,021 | $2,021 | $742 | $1,742 | $279 |
| McGregor, TX | $300 | $990 | $1,290 | $719 | $1,019 | $270 |
| Groesbeck, TX | $2,500 | $1,028 | $3,528 | $747 | $3,247 | $281 |
| Limestone County, TX | $400 | $1,016 | $1,416 | $738 | $1,138 | $278 |
| Rio Vista, TX | $1,500 | $1,450 | $2,950 | $1,054 | $2,554 | $396 |
| Morgan's Point Resort, TX | $500 | $1,663 | $2,163 | $1,208 | $1,708 | $454 |
| Navarro County, TX | $700 | $1,304 | $2,004 | $947 | $1,647 | $356 |
| Home Insurance Company Elm Mott, TX | Homeowners Insurance Agency Elm Mott, TX | Address | Popularity Score | Distance from Elm Mott (miles) |
|---|---|---|---|---|
| State Farm | Clint Pullen | 603 N Nolan River Rd, Cleburne, TX, 76033-7007 | 49.6 | |
| State Farm | Stuart Smith | 221 W 6th Ave, Corsicana, TX, 75110-5243 | 47.1 | |
| Farmers | Troy Ashford | 700 Lake Rd, Belton, TX, 76513 | 46.0 | |
| State Farm | Isaiah Martinez | 220 S 2nd Street Suite 1, Waco, TX, 76701-2213 | 8.3 | |
| Allstate | First Texas Agency | 1400 East Main, Gatesville, TX, 76528 | 41.4 | |
| Travelers | Atkins Agency Inc | 233 Live Oak St, Marlin, TX, 76661 | 28.3 | |
| State Farm | Doug Stewart | 4102 S 31st St Ste 200, Temple, TX, 76502-3308 | 45.4 | |
| State Farm | Crystal Plaster | 1632 W Henderson St Ste C, Cleburne, TX, 76033-4167 | 49.2 | |
| Farmers | Jim Moreno | 216 S Ridgeway Dr, Cleburne, TX, 76033 | 49.0 | |
| Nationwide | King Hunt & Associates Inc | 1644 W Henderson Suite 100, Cleburne, TX, 76033 | 49.1 |
| 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 |
| McLennan County, TX | $125,200 | $1,460 | $960 | $2,250 | $1,290 |
| Elm Mott, TX | $115,300 | $992 | $650 | $1,530 | $880 |
| Ross, TX | $102,800 | $1,532 | $1,010 | $2,360 | $1,350 |
| China Spring, TX | $175,700 | $968 | $640 | $1,490 | $850 |
| Hubbard-Mount Calm, TX | $87,200 | $1,458 | $960 | $2,250 | $1,290 |
| Hillsboro, TX | $86,500 | $1,034 | $680 | $1,590 | $910 |
| McGregor, TX | $201,600 | $1,002 | $660 | $1,540 | $880 |
| Groesbeck, TX | $88,300 | $1,040 | $690 | $1,600 | $910 |
| Limestone County, TX | $84,800 | $1,028 | $680 | $1,580 | $900 |
| Rio Vista, TX | $89,300 | $1,468 | $970 | $2,260 | $1,290 |
| Morgan's Point Resort, TX | $142,800 | $1,683 | $1,110 | $2,590 | $1,480 |
| Navarro County, TX | $88,900 | $1,319 | $870 | $2,030 | $1,160 |