Gavop's guide to buying homeowners insurance in Grayson 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $55,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $75,500 | $70,000 | $75,000-$100,000 |
| 3 Bedroom | $163,000 | $130,000 | $150,000-$175,000 |
| 4 Bedroom | $133,500 | $130,000 | $125,000-$150,000 |
| 5 Bedroom | $222,000 | $180,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$215 | $1,216 |
| Superior Protection Discount | -$143 | $1,288 |
| Fire & Security Discount | -$114 | $1,317 |
| Hail Resistant Roof Discount | -$43 | $1,388 |
| Newly Constructed Home Discount | -$286 | $1,145 |
| 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 |
| Grayson County | $1,000 | $1,414 | $2,414 | $1,027 | $2,027 | $386 |
| Grayson County, TX | $1,500 | $1,414 | $2,914 | $1,027 | $2,527 | $386 |
| Collinsville, TX | $200 | $1,474 | $1,674 | $1,071 | $1,271 | $403 |
| Blue Ridge, TX | $1,500 | $974 | $2,474 | $708 | $2,208 | $266 |
| Krugerville, TX | $500 | $1,844 | $2,344 | $1,340 | $1,840 | $504 |
| Savannah, TX | $1,000 | $1,828 | $2,828 | $1,328 | $2,328 | $500 |
| East Love, OK | $300 | $1,224 | $1,524 | $890 | $1,190 | $335 |
| Cross Roads, TX | $2,000 | $2,378 | $4,378 | $1,728 | $3,728 | $650 |
| Windom, TX | $300 | $1,422 | $1,722 | $1,033 | $1,333 | $389 |
| Kenefic, OK | $2,500 | $876 | $3,376 | $637 | $3,137 | $239 |
| Hebron, TX | $500 | $2,428 | $2,928 | $1,764 | $2,264 | $663 |
| Ponder, TX | $700 | $1,694 | $2,394 | $1,231 | $1,931 | $463 |
| Home Insurance Company Grayson County, TX | Homeowners Insurance Agency Grayson County, TX | Address | Popularity Score | Distance from Grayson County (miles) |
|---|---|---|---|---|
| Farmers | Diana Salas | 123 E Lamar St, Sherman, TX, 75090 | 4.0 | |
| Farmers | Brian Kimberlin | 121 W Lamberth Rd Ste B, Sherman, TX, 75092 | 4.2 | |
| State Farm | David Loerwald | 2400 E Hebron Pkwy, Carrollton, TX, 75010-4419 | 42.8 | |
| Travelers | Insurance City | 3209 Premier Dr Ste 103, Plano, TX, 75075 | 40.3 | |
| Farmers | Blake Ammerman | 2008 N Travis St, Sherman, TX, 75092 | 4.1 | |
| State Farm | Mike Hinegardner | 2300 W White Ave Ste 108, Mckinney, TX, 75071-3133 | 28.7 | |
| Farmers | My-Xuan Tran | 1221 Flower Mound Rd Ste 130, Flower Mound, TX, 75028 | 47.4 | |
| Farmers | Megan Toole | 1000 E Belt Line Rd Ste 230, Carrollton, TX, 75006 | 48.1 | |
| State Farm | Jon Lashbrook | 111 S Murphy Rd, Murphy, TX, 75094-3401 | 42.5 | |
| State Farm | Dale Gilliland | 100 W Lamberth Rd Ste C, Sherman, TX, 75092-2672 | 4.2 |
| 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 |
| Grayson County, TX | $116,600 | $1,431 | $940 | $2,200 | $1,260 |
| Grayson County, TX | $116,600 | $1,431 | $940 | $2,200 | $1,260 |
| Collinsville, TX | $94,100 | $1,492 | $980 | $2,300 | $1,320 |
| Blue Ridge, TX | $157,900 | $986 | $650 | $1,520 | $870 |
| Krugerville, TX | $214,400 | $1,866 | $1,230 | $2,870 | $1,640 |
| Savannah, TX | $207,300 | $1,850 | $1,220 | $2,850 | $1,630 |
| East Love, OK | $94,500 | $1,239 | $880 | $1,710 | $830 |
| Cross Roads, TX | $375,700 | $2,407 | $1,590 | $3,710 | $2,120 |
| Windom, TX | $83,600 | $1,439 | $950 | $2,220 | $1,270 |
| Kenefic, OK | $55,000 | $887 | $650 | $1,250 | $600 |
| Hebron, TX | $383,900 | $2,457 | $1,620 | $3,780 | $2,160 |
| Ponder, TX | $153,300 | $1,715 | $1,130 | $2,640 | $1,510 |