Gavop's guide to buying homeowners insurance in Ingram, 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 | $53,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $133,500 | $130,000 | $100,000-$125,000 |
| 3 Bedroom | $118,500 | $100,000 | $125,000-$150,000 |
| 4 Bedroom | $258,500 | $220,000 | $250,000-$300,000 |
| 5 Bedroom | $341,000 | $290,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$156 | $820 |
| Superior Protection Discount | -$88 | $888 |
| Fire & Security Discount | -$107 | $868 |
| Hail Resistant Roof Discount | -$20 | $956 |
| Newly Constructed Home Discount | -$283 | $693 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,337 |
| Physical Damage | $2,440 |
| Hail Damage | $4,571 |
| Wind Damage | $6,433 |
| Expensive Claims | |
| Fire | $43,336 |
| Smoke | $16,553 |
| Home Insurance Company Ingram, TX | Homeowners Insurance Agency Ingram, TX | Address | Popularity Score | Distance from Ingram (miles) |
|---|---|---|---|---|
| Travelers | R D Kothmann Insurance Agency | 1701 Main St, Junction, TX, 76849 | 32.5 | |
| Farmers | Nathaniel Turner | 260 Thompson Dr Ste 3, Kerrville, TX, 78028 | 20.5 | |
| Travelers | Garrett Insurance Agency Inc | 712 Hill Country Dr Ste 202, Kerrville, TX, 78028 | 20.5 | |
| Travelers | Cohn Insurance Agency | 10828 Park Rd 37, Lakehills, TX, 78063 | 47.4 | |
| Travelers | Bierschwale Rees Insurance | 1105 Llano N, Fredericksburg, TX, 78624 | 39.5 | |
| Travelers | Garrett Insurance Agency Inc | 819 Water St Ste 100, Kerrville, TX, 78028 | 20.9 | |
| Travelers | Bierschwale Rees Insurance | 1105 N. Llano P.O.Box 1549 Fredricksburg, Fredericksburg, TX, 78624 | 39.5 | |
| State Farm | Ruben Cardenas Jr | 410 E San Antonio Ave, Boerne, TX, 78006-2054 | 49.9 | |
| State Farm | Billy Johnson | 210 E Austin St, Fredericksbrg, TX, 78624-4210 | 38.9 | |
| State Farm | Billy Johnson | 210 East Austin Street, Fredericksburg, TX, 78624-4210 | 38.9 |
| 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 |
| Kerr County, TX | $164,000 | $1,413 | $930 | $2,180 | $1,250 |
| Ingram, TX | $152,200 | $976 | $640 | $1,500 | $860 |
| Camp Wood-Leakey, TX | $105,100 | $1,542 | $1,020 | $2,370 | $1,350 |
| Junction, TX | $82,300 | $1,433 | $950 | $2,210 | $1,260 |
| Fredericksburg, TX | $285,900 | $1,110 | $730 | $1,710 | $980 |
| Junction Northwest, TX | $187,500 | $1,805 | $1,190 | $2,780 | $1,590 |
| Mason West, TX | $229,900 | $1,900 | $1,250 | $2,930 | $1,680 |
| Rocksprings, TX | $61,900 | $1,316 | $870 | $2,030 | $1,160 |
| Mason County, TX | $156,400 | $983 | $650 | $1,510 | $860 |
| Comfort, TX | $212,600 | $1,015 | $670 | $1,560 | $890 |
| Kendall County, TX | $297,700 | $1,398 | $920 | $2,150 | $1,230 |
| Edwards County, TX | $72,800 | $982 | $650 | $1,510 | $860 |