Gavop shows you how to buy homeowners insurance in Liberty County, TX by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $48,000 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $130,000 | $120,000 | $125,000-$150,000 |
| 3 Bedroom | $152,500 | $140,000 | $175,000-$200,000 |
| 4 Bedroom | $124,000 | $110,000 | $125,000-$150,000 |
| 5 Bedroom | $256,000 | $220,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$228 | $1,111 |
| Superior Protection Discount | -$120 | $1,218 |
| Fire & Security Discount | -$107 | $1,231 |
| Hail Resistant Roof Discount | -$27 | $1,312 |
| Newly Constructed Home Discount | -$361 | $977 |
| 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 |
| Liberty County | $1,000 | $1,322 | $2,322 | $961 | $1,961 | $361 |
| Liberty County, TX | $1,500 | $1,322 | $2,822 | $961 | $2,461 | $361 |
| Liberty-Dayton, TX | $500 | $1,490 | $1,990 | $1,083 | $1,583 | $407 |
| Porter Heights, TX | $2,000 | $1,665 | $3,665 | $1,210 | $3,210 | $455 |
| China, TX | $200 | $1,451 | $1,651 | $1,055 | $1,255 | $397 |
| Nome-China, TX | $1,000 | $1,593 | $2,593 | $1,157 | $2,157 | $435 |
| Aldine, TX | $500 | $1,006 | $1,506 | $731 | $1,231 | $275 |
| The Woodlands, TX | $2,500 | $1,518 | $4,018 | $1,103 | $3,603 | $415 |
| South Houston, TX | $200 | $1,016 | $1,216 | $739 | $939 | $278 |
| Evadale, TX | $2,000 | $1,390 | $3,390 | $1,010 | $3,010 | $380 |
| Hilshire Village, TX | $200 | $831 | $1,031 | $604 | $804 | $227 |
| Woodville, TX | $2,500 | $1,023 | $3,523 | $744 | $3,244 | $280 |
| Home Insurance Company Liberty County, TX | Homeowners Insurance Agency Liberty County, TX | Address | Popularity Score | Distance from Liberty County (miles) |
|---|---|---|---|---|
| State Farm | Blaine Scelfo | 21901 St Hwy 249 Ste 100, Houston, TX, 77070-1516 | 47.0 | |
| State Farm | Johnny White | 549 N Fm 270 Rd Ste 100, League City, TX, 77573-3237 | 46.7 | |
| State Farm | Eric Narzynski | 3835 Fm 2920 Rd Ste A1, Spring, TX, 77388-4242 | 39.6 | |
| Liberty Mutual Independent | Gbs Insurance Agency Inc | 6300 West Loop S Ste 220, Bellaire, TX, 77401 | 49.2 | |
| Nationwide | Leon Keeble | 25408 Highway 59 Ste 150, Porter, TX, 77365 | 25.9 | |
| State Farm | Scott Baxter | 7035 W Tidwell Rd Ste 102j, Houston, TX, 77092-2030 | 45.7 | |
| Allstate | Horace Bridges | 24501 Fm 2100 Rd Ste C, Huffman, TX, 77336 | 18.4 | |
| State Farm | Natalie Barry | 2302 Fannin St Ste 150, Houston, TX, 77002-9143 | 43.7 | |
| Travelers | Hotchkiss Insurance Agency Llc | 13430 Northwest Fwy Ste 600, Houston, TX, 77040 | 46.3 | |
| State Farm | Mel Newsom | 8203 Willow Pl Dr S Ste 170, Houston, TX, 77070-5526 | 45.9 |
| 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 |
| Liberty County, TX | $93,200 | $1,338 | $880 | $2,060 | $1,180 |
| Liberty County, TX | $93,200 | $1,338 | $880 | $2,060 | $1,180 |
| Liberty-Dayton, TX | $97,600 | $1,508 | $1,000 | $2,320 | $1,320 |
| Porter Heights, TX | $143,600 | $1,685 | $1,110 | $2,590 | $1,480 |
| China, TX | $89,500 | $1,469 | $970 | $2,260 | $1,290 |
| Nome-China, TX | $122,400 | $1,612 | $1,060 | $2,480 | $1,420 |
| Aldine, TX | $82,200 | $1,018 | $670 | $1,570 | $900 |
| The Woodlands, TX | $351,000 | $1,536 | $1,010 | $2,370 | $1,360 |
| South Houston, TX | $85,000 | $1,029 | $680 | $1,580 | $900 |
| Evadale, TX | $77,500 | $1,407 | $930 | $2,170 | $1,240 |
| Hilshire Village, TX | $850,000 | $841 | $550 | $1,290 | $740 |
| Woodville, TX | $87,100 | $1,036 | $680 | $1,600 | $920 |