Gavop's guide to buying homeowners insurance in De Kalb, 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $50,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $115,500 | $110,000 | $100,000-$125,000 |
| 3 Bedroom | $174,500 | $140,000 | $175,000-$200,000 |
| 4 Bedroom | $245,500 | $230,000 | $250,000-$300,000 |
| 5 Bedroom | $235,000 | $210,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$187 | $795 |
| Superior Protection Discount | -$98 | $884 |
| Fire & Security Discount | -$98 | $884 |
| Hail Resistant Roof Discount | -$20 | $962 |
| Newly Constructed Home Discount | -$265 | $717 |
| 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 |
| Bowie County | $2,500 | $1,387 | $3,887 | $1,008 | $3,508 | $379 |
| De Kalb, TX | $2,000 | $970 | $2,970 | $705 | $2,705 | $265 |
| Jackson, AR | $300 | $821 | $1,121 | $597 | $897 | $224 |
| Dalby Springs-Simms, TX | $1,000 | $1,414 | $2,414 | $1,027 | $2,027 | $386 |
| Maud, TX | $200 | $1,393 | $1,593 | $1,012 | $1,212 | $381 |
| Paraclifta, AR | $1,000 | $866 | $1,866 | $630 | $1,630 | $237 |
| Morris County, TX | $300 | $1,007 | $1,307 | $732 | $1,032 | $275 |
| De Queen, AR | $1,500 | $772 | $2,272 | $561 | $2,061 | $211 |
| Lockesburg, AR | $200 | $740 | $940 | $538 | $738 | $202 |
| Lone Star, TX | $2,500 | $1,493 | $3,993 | $1,085 | $3,585 | $408 |
| Rocky Mound, TX | $100 | $1,430 | $1,530 | $1,039 | $1,139 | $391 |
| Avinger, TX | $700 | $1,308 | $2,008 | $951 | $1,651 | $357 |
| Home Insurance Company De Kalb, TX | Homeowners Insurance Agency De Kalb, TX | Address | Popularity Score | Distance from De Kalb (miles) |
|---|---|---|---|---|
| Allstate | Jeffrey Kesler | 3415 New Boston Rd, Texarkana, TX, 75501 | 33.0 | |
| Farmers | April Starnes | 4526 Summerhill Rd, Texarkana, TX, 75503 | 33.9 | |
| State Farm | Kelli Ashbrook | 3410 Moores Ln, Texarkana, TX, 75503-2211 | 32.7 | |
| State Farm | Chris Harvey | 401 E Main St, Clarksville, TX, 75426-4001 | 23.9 | |
| Liberty Mutual Independent | Bockmon-Andrews Insurance Agency | 133 Us Highway 259 N, Ore City, TX, 75683 | 47.8 | |
| Farmers | Kellie Cox | 703 W Main St Ste B, Atlanta, TX, 75551 | 41.9 | |
| Liberty Mutual Independent | Bockmon Insurance Agency | 108 E 1st, Hughes Springs, TX, 75656 | 40.4 | |
| State Farm | Wayne Poe | 4617 Summerhill Rd Ste 1, Texarkana, TX, 75503-2783 | 33.9 | |
| State Farm | Paul Tye | 4076 Summerhill Sq, Texarkana, TX, 75503-2730 | 34.0 | |
| Farmers | Lisa White | 101 E North Front St, New Boston, TX, 75570 | 15.1 |
| 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 |
| Bowie County, TX | $109,400 | $1,404 | $930 | $2,160 | $1,230 |
| De Kalb, TX | $72,800 | $982 | $650 | $1,510 | $860 |
| Jackson, AR | $66,600 | $831 | $560 | $1,180 | $620 |
| Dalby Springs-Simms, TX | $81,900 | $1,431 | $940 | $2,200 | $1,260 |
| Maud, TX | $78,000 | $1,410 | $930 | $2,170 | $1,240 |
| Paraclifta, AR | $75,300 | $877 | $600 | $1,250 | $650 |
| Morris County, TX | $82,300 | $1,019 | $670 | $1,570 | $900 |
| De Queen, AR | $85,800 | $781 | $520 | $1,120 | $600 |
| Lockesburg, AR | $51,400 | $749 | $550 | $1,060 | $510 |
| Lone Star, TX | $98,100 | $1,511 | $1,000 | $2,330 | $1,330 |
| Rocky Mound, TX | $85,000 | $1,447 | $960 | $2,230 | $1,270 |
| Avinger, TX | $63,200 | $1,324 | $870 | $2,040 | $1,170 |