How Can I Make My Waco, TX Home Insurance Cheaper

Gavop shows you how to buy homeowners insurance in Waco, TX by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.

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Estimate Appropriate Waco, TX Home Insurance Coverage Levels | Back to Top

Waco, 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
Woodgate Dr, Estates Dr, Will Boleman Dr, Chanute Dr, Chapel View Dr, Oakmont Dr, Comanche Cir, Big Mailbox Rd, Paradise Island, Scroggins Dr $120,500 $100,000 $100,000-$125,000 $93,000 $80,000 $75,000-$100,000
Landmark Dr, Flint Ave, Sherman St, Arnett Ln, Spring Creek, Maxwell Ln, Brookwood Dr, E 11th St, E Chapman Rd, Arlington Dr $82,000 $80,000 $75,000-$100,000 $51,500 $50,000 $25,000-$50,000
Sierra West Dr, Catto St, Novelty St, S 15th St, Sendero Ct, Shawnee Trl, Westlake Dr, Oak Hill Dr, Lincoln City Rd, Cindy Ave $114,000 $90,000 $75,000-$100,000 $109,000 $90,000 $100,000-$125,000
Burnett Ave, Deana Dr, Blackmon St, N 37th St, Morningside Dr, E Waco Dr, Stanford Ct, Lottie St, Fort Gates Dr, Hayes Ln $87,000 $80,000 $100,000-$125,000 $48,500 $40,000 $25,000-$50,000
Loftin Rd, S 3rd St, W Lyndale Dr, Chado Ln, Sugg Dr, Alford Dr, N New Rd, Sunset St, Parrish St, Toluca Trl $96,500 $90,000 $100,000-$125,000 $97,000 $80,000 $100,000-$125,000
Tennyson Dr, E Oak St, Windsor Ave, Tampico Dr, Jefferson Ave, Garden Dr, E Athens St, Shadow Grove Cir, Behrens Cir, Norwood Dr $76,500 $70,000 $75,000-$100,000 $86,000 $70,000 $50,000-$75,000
Treeline Dr, Fern Hill Cir, Gurley Ave, Rey Dr, Oxford Hill Rd, N 35th St, Oriental Rd, Eldon Ln, Opal St, Tony Ct $169,000 $160,000 $125,000-$150,000 $170,500 $160,000 $175,000-$200,000
N Speegleville Rd, Saratoga Dr, Lake Highlands Dr, Liberty St, Witt Ave, Greer Dr, Thrush Ln, Egan Dr, S 39th St, Dutton Ave $143,500 $120,000 $150,000-$175,000 $97,500 $80,000 $100,000-$125,000
Herwol Ave, Buckingham Pl, Booker St, S 14th St, S 35th St, Dove Meadows, S 23rd St, Rosedale Dr, Hand Dr, Deer Ridge Dr $153,000 $140,000 $125,000-$150,000 $77,000 $70,000 $75,000-$100,000
Mill St, Stallion Dr, Pascal Ct, Valley View Dr, Dove St, Village Cir, Charing Cross Dr, Jackson Ln, Edinburgh Ln, Laurel Park Dr $185,000 $170,000 $150,000-$175,000 $114,000 $100,000 $125,000-$150,000

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

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Freelancer 650-699 Credit Score $25 to 50,000 1 Pet, Non-Smoker $620
Full Time Job 700-749 Credit Score $50 to $75,000 No Pets, Non-Smoker $210
Unemployed 600-649 Credit Score <$25,000 3 Pets, Smoker $1,050

Choose the Right Deductible for your Waco, 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 $600 $800 $490 $690 $110
McLennan County, TX $2,500 $560 $1,060 $470 $2,970 $-1,910
Waco, TX $1,000 $410 $910 $350 $1,350 $-440
Northwest Bell, TX $500 $640 $1,140 $550 $1,050 $90
Malone, TX $2,000 $220 $720 $190 $2,190 $-1,470
Morgan's Point Resort, TX $500 $640 $1,140 $550 $1,050 $90
Hillsboro, TX $700 $480 $980 $410 $1,110 $-130
Turnersville, TX $300 $400 $700 $350 $650 $50
Bosque County, TX $1,500 $470 $970 $390 $1,890 $-920
Buckholts, TX $100 $370 $470 $320 $420 $50
Milford, TX $1,500 $300 $800 $260 $1,760 $-960
Itasca, TX $200 $440 $640 $370 $570 $70
South Bell, TX $700 $850 $1,350 $700 $1,400 $-50

Identify Top Home Insurance Agents near Waco, TX | Back to Top

Home Insurance Company Waco, TX Homeowners Insurance Agency Waco, TX Address Popularity Score Distance from Waco (miles)
Farmers Bryan Carter 404 Sapphire Blvd, Hewitt, TX, 76643
4.6
Farmers Jason Foegelle 106 E Fm 2410 Rd Ste 1, Harker Heights, TX, 76548
43.6
State Farm Leah Mcgee 1900 E Elms Rd Ste 100a, Killeen, TX, 76542-2822
45.7
State Farm Joseph Morphis 1412 N Valley Mills Drive, Waco, TX, 76710-4461
2.2
State Farm Isaiah Martinez 220 S 2nd Street Suite 1, Waco, TX, 76701-2213
2.9
Allstate Gary Morse 600 Indian Trl Ste 110, Harker Heights, TX, 76548
42.6
Farmers Robert Hyde 1838 N Valley Mills Dr, Waco, TX, 76710
2.7
Farmers Keith Sanders 4201 Lake Shore Dr Ste F, Waco, TX, 76710
3.5
Travelers Watkins Insurance Group 3001 W Waco Dr, Waco, TX, 76707
1.0
State Farm Doug Stewart 4102 S 31st St Ste 200, Temple, TX, 76502-3308
34.4

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

Compare Quotes from Top Providers and Save now!

Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
Texas $128,000 $520 $340 $800 $460
McLennan County, TX $106,600 $530 $350 $820 $470
Waco, TX $102,600 $610 $400 $940 $540
Northwest Bell, TX $160,300 $830 $550 $1,280 $730
Malone, TX $43,500 $200 $130 $310 $180
Morgan's Point Resort, TX $132,800 $540 $360 $830 $470
Hillsboro, TX $89,600 $470 $310 $720 $410
Turnersville, TX $109,500 $530 $350 $820 $470
Bosque County, TX $93,300 $400 $260 $620 $360
Buckholts, TX $96,300 $450 $300 $690 $390
Milford, TX $75,300 $300 $200 $460 $260
Itasca, TX $86,000 $400 $260 $620 $360
South Bell, TX $198,000 $790 $520 $1,220 $700

Research Home Insurance Companies Reviews in Waco, TX Before Buying | Back to Top

Share a review on your home insurance company


State Farm Home Insurance Reviews

Date: September 06, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Customer Service
State Farm has always been there when I need them. I think they are a little more expensive but they are amazing any time I have questions or issues. I am very satisfied with them.

Date: April 02, 2019    Age: 40 to 49    Gender: Female    Marital Status: Married

Customer Service
I have had positive experiences with my home insurance companies customer service, I've called once to ask questions and the were very polite, professional, and helpful.

Date: February 06, 2019    Age: 50 to 59    Gender: Female    Marital Status: Unmarried

Policy Offerings
When I purchased state farms insurance, it was a better rate than others that i compared with.


Date: December 31, 2018    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Customer Service
We had a terrible flood happen in our home while on vacation and upon arrival we came home to a bog, not a home. We called our emergency contact late in the night and within 30 minutes we had a clean up crew in our drive.

Date: November 17, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Customer Service
I would rank 5 as being very satisfied. Every time that i contact them they're always very prompt when i have any questions at all.

Date: September 11, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Communication
I find it easy to get in touch with my local agent or with the company as a whole online or on the telephone.

Date: August 30, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Website/App
The website is adequate for our needs. It provides the information we are looking for and allows us to pay our premiums online.

Date: August 05, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Premium
I am not sure I have enough information to make an adequate analysis of this, as I have been with StateFarm for 20 years.

Date: November 19, 2017    Age: 40 to 49    Gender: Female    Marital Status: Married

Customer Service
They have been available when necessary, however that has been extremely rare. They were able to route my call appropriately.

Date: November 19, 2017    Age: 40 to 49    Gender: Female    Marital Status: Married

Policy Offerings
The cost of rebuilding the structure, loss of use, medical liability, and several riders pertaining to belongings.


Allstate Home Insurance Reviews

Date: January 02, 2019    Age: 40 to 49    Gender: Male    Marital Status: Married

Customer Service
I have had not needed customer service for a claim, but I have called to make adjustments. When I called they were very helpful and couteous.

Date: November 07, 2018    Age: 50 to 59    Gender: Male    Marital Status: Unmarried

Website/App
Company'e website is easy to use, mobile app could be more mobile friendly. More information is shown on website than mobile app

Date: September 18, 2018    Age: Above 60    Gender: Female    Marital Status: Married

Customer Service
Allstate's customer service reps have always been courteous, friendly, and helpful. The local agents have minimal contact - all of my dealings have been with corporate representatives.

Date: September 10, 2018    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Policy Offerings
Dwelling and other structure protection, personal liability protection, additional living expense, family liability protection, guest medical protection, building codes.


Date: September 06, 2018    Age: 50 to 59    Gender: Male    Marital Status: Married

Premium
The premium with Allstate is higher than other insurance companies with the same, or some with even better or fuller coverage.

Date: January 12, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Communication
I have had very little interaction with the home agents aside from getting reminders of when my policies are nearing renewal and thank you messages after renewal.

Date: December 02, 2017    Age: 30 to 39    Gender: Male    Marital Status: Married

Website/App
The website is easy to navigate; the bill pay option is clear and provides options for full payments or installment payments.

Travelers Home Insurance Reviews

Date: September 14, 2018    Age: Above 60    Gender: Female    Marital Status: Married

Website/App
I tried to contact my agent on the website but was not able to find specific information related to my agent. I suspect this may be the case with most if not all agents. I was able to see information about the insurance company in general. I was told to contact my agent for specific prices. I was given the phone number and the hours they could be reached. If I had a claim I would have been able to speak to someone at the main office.

Date: September 03, 2018    Age: 40 to 49    Gender: Female    Marital Status: Unmarried

Communication
I have not had an opportunity to find out yet about their interaction/communication. He would always speak to my husband who recently passed away. I have not had the opportunity to communicate with my insurance company.

Date: August 10, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Customer Service
My husband was in charge of the insurance in the family. She spoke highly of them. The agent he worked with passed away also. I intend to do policy shopping before renewal.

Date: August 03, 2018    Age: 40 to 49    Gender: Female    Marital Status: Unmarried

Policy Offerings
I must, in general, give an average score as my deceased husband took care of our insurance needs, I am not 100 percent sure what is in my policy, but I am willing to look the information up and provide later if needed.


Date: March 11, 2018    Age: 40 to 49    Gender: Female    Marital Status: Unmarried

Premium
I have not had the opportunity to research policy prices for renewal. I have spoken to co-workers and my price seems higher than they have. I must admit that my policy may have more perks.

Nationwide Home Insurance Reviews

Date: December 29, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Customer Service
I've only had to deal with them upon starting my policy however. They're pretty rude when dealing with setting up new policies.

State Auto Home Insurance Reviews

Date: July 08, 2019    Age: 30 to 39    Gender: Married    Marital Status: Female

Premium
I think the premium and deductible is slightly better than the larger, more well known companies. State Auto has less employees, less overhead.

American Strategic Insurance Home Insurance Reviews

Date: December 27, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Policy Offerings
My insurance company has a very modern and extensive web page, it is quite detailed in the information and its sections are well classified and detailed, it is a very superior web page as well as its app that is available for my android device


Farmer's Insurance Home Insurance Reviews

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