Gavop's guide to buying homeowners insurance in McLennan 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.
| McLennan County, 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 | |
| Twin Lake Dr, Country Dr, Orion Rd, Apache Dr, Harmony Cir, Walts Rd, E Hwy 84, Parrott Ave, N 36th St, Arnett Ln | $139,500 | $110,000 | $125,000-$150,000 | $98,500 | $90,000 | $75,000-$100,000 |
| Bluffview Cir, Stony Point Dr, Old Crawford Rd, Coopers Crossing Rd, Mabry St, Davis Rd, J J Flewellen Rd, W Tate St, Gloryland Rd, Pecan Ridge Ln | $121,500 | $110,000 | $100,000-$125,000 | $120,000 | $110,000 | $125,000-$150,000 |
| Church St, Alamosa Dr, Hazelwood Ave, Ellington St, Spring Creek, Richland West Cir, Chapel Rd, Crest Dr, Washington Ave, S 23rd St | $90,500 | $80,000 | $75,000-$100,000 | $56,500 | $50,000 | $50,000-$75,000 |
| Tipton Dr, Kirby Lee St, Prause Rd, Frostdale Dr, Charping St, Baker Ranch Rd, Crested Butte Dr, Old Dallas Rd, Oak Hill Dr, Stoneridge Dr | $179,000 | $150,000 | $175,000-$200,000 | $134,000 | $110,000 | $125,000-$150,000 |
| Hidden Bluff, Western Dr, Trading Post Rd, Stone Creek Cir, State Loop 340, The Circle, Sadler Rd, David Dr, S 11th St, J & B Springs Rd | $135,000 | $130,000 | $125,000-$150,000 | $103,500 | $90,000 | $100,000-$125,000 |
| Dustin Dr, S 30th St, N 20th A St, Monterrey Dr, Stone Creek Ridge Dr, Kristi St, Post Oak Ln, Jenkins Estates Dr, Rock Creek Rd, Saratoga Dr | $104,500 | $90,000 | $100,000-$125,000 | $69,500 | $60,000 | $75,000-$100,000 |
| N Lakeview Dr, Park Place Dr, Lasker Ave, E 11th St, 9th St, Charlotte Dr, Lindsey Hollow Rd, Julius St, S 30th St, Rick Dr | $78,500 | $70,000 | $75,000-$100,000 | $79,500 | $70,000 | $50,000-$75,000 |
| W W A Neel Rd, Roxanne Dr, Kennedy Cir, W Somers Ln, Mazanec Rd, Lost Gold Rd, Esther St, Willie Young Rd, Moses Manor Dr, Baker Ln | $125,000 | $110,000 | $100,000-$125,000 | $91,500 | $80,000 | $100,000-$125,000 |
| Golinda Dr, N 44th St, Bentwood Dr, Kendrick Ln, Wilbanks Dr, Wendt Rd, Dana St, Elk Ridge Ln, Lost Trails Dr, Karnes Dr | $125,500 | $120,000 | $125,000-$150,000 | $156,500 | $130,000 | $125,000-$150,000 |
| Niekamp Rd, Hunters Run, Higginbotham Ln, Chama Dr, Lee St, E Adrian Dr, Grant St, Elm Creek Rd, Bronco, Our Way Rd | $160,500 | $140,000 | $150,000-$175,000 | $101,500 | $90,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$234 | $1,226 |
| Superior Protection Discount | -$146 | $1,314 |
| Fire & Security Discount | -$146 | $1,314 |
| Hail Resistant Roof Discount | -$29 | $1,431 |
| Newly Constructed Home Discount | -$394 | $1,066 |
| 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 |
| McLennan County, TX | $2,500 | $1,442 | $3,942 | $1,048 | $3,548 | $394 |
| Woodway, TX | $300 | $997 | $1,297 | $725 | $1,025 | $273 |
| Bellmead, TX | $1,000 | $958 | $1,958 | $696 | $1,696 | $262 |
| Robinson, TX | $300 | $956 | $1,256 | $695 | $995 | $261 |
| Axtell, TX | $2,500 | $1,534 | $4,034 | $1,115 | $3,615 | $419 |
| Troy, TX | $500 | $1,537 | $2,037 | $1,117 | $1,617 | $420 |
| Groesbeck, TX | $2,000 | $1,028 | $3,028 | $747 | $2,747 | $281 |
| Bremond, TX | $400 | $1,424 | $1,824 | $1,035 | $1,435 | $389 |
| Holland, TX | $2,000 | $1,421 | $3,421 | $1,032 | $3,032 | $388 |
| Walnut Springs, TX | $500 | $1,305 | $1,805 | $948 | $1,448 | $357 |
| South Bell, TX | $1,500 | $1,951 | $3,451 | $1,418 | $2,918 | $533 |
| Home Insurance Company McLennan County, TX | Homeowners Insurance Agency McLennan County, TX | Address | Popularity Score | Distance from McLennan County (miles) |
|---|---|---|---|---|
| Farmers | Jason Foegelle | 106 E Fm 2410 Rd Ste 1, Harker Heights, TX, 76548 | 43.1 | |
| State Farm | Mike Mckenzie | 2910 W Waco Dr, Waco, TX, 76710-7242 | 2.7 | |
| State Farm | Terry Strickland | 4949 Franklin Ave, Waco, TX, 76710-6900 | 2.6 | |
| State Farm | Kevin Krause | 1000 West Highway 6, Waco, TX, 76712-3790 | 2.2 | |
| Allstate | Lanse Derrick | 227 N Hewitt Dr, Hewitt, TX, 76643 | 5.7 | |
| State Farm | Leah Mcgee | 1900 E Elms Rd Ste 100a, Killeen, TX, 76542-2822 | 45.0 | |
| Farmers | Scott Everett | 1838 N Valley Mills Dr, Waco, TX, 76710 | 1.2 | |
| State Farm | Brian Wenzel | 100 Santa Fe Dr Ste 1, Waco, TX, 76712-4069 | 3.0 | |
| State Farm | Isaiah Martinez | 220 S 2nd Street Suite 1, Waco, TX, 76701-2213 | 4.4 | |
| Farmers | Henry Chase | 3925 Waco Dr Ste B, Waco, TX, 76710 | 2.4 |
| 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 |
| McLennan County, TX | $125,200 | $1,460 | $960 | $2,250 | $1,290 |
| Woodway, TX | $208,100 | $1,009 | $670 | $1,550 | $880 |
| Bellmead, TX | $70,000 | $970 | $640 | $1,490 | $850 |
| Robinson, TX | $147,500 | $968 | $640 | $1,490 | $850 |
| Axtell, TX | $107,600 | $1,553 | $1,020 | $2,390 | $1,370 |
| Troy, TX | $108,400 | $1,556 | $1,030 | $2,400 | $1,370 |
| Groesbeck, TX | $88,300 | $1,040 | $690 | $1,600 | $910 |
| Bremond, TX | $83,900 | $1,441 | $950 | $2,220 | $1,270 |
| Holland, TX | $83,400 | $1,438 | $950 | $2,210 | $1,260 |
| Walnut Springs, TX | $62,700 | $1,321 | $870 | $2,030 | $1,160 |
| South Bell, TX | $262,600 | $1,975 | $1,300 | $3,040 | $1,740 |