How Can I Make My Pharr, TX Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Pharr, 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.
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Estimate Appropriate Pharr, TX Home Insurance Coverage Levels | Back to Top
| Pharr, 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 | |
| Park, Buchanan Dr, E Beech Ave, Rivera St, E Diaz Ave, N Juniper St, W Dickens Ave, W Chickadee Ave, E Tangerine Way Ave, W Maple Ave | $114,000 | $100,000 | $75,000-$100,000 | $104,500 | $80,000 | $100,000-$125,000 |
| N R Sanchez Rd, S Galaxy Dr, S Alondra St, Melanie Dr, Delta Dr, Rancho Sanchez Rd, Mars, S 3rd St, S Ward Dr, S Seguin Dr | $76,500 | $70,000 | $75,000-$100,000 | $60,000 | $50,000 | $50,000-$75,000 |
| W Toffee Dr, N Canna St, Horse, E Lucas Ave, S Austin Dr, Erica St, W Highline Rd, Adela St, Sharm Dr, St Marie St | $114,000 | $100,000 | $100,000-$125,000 | $85,500 | $70,000 | $75,000-$100,000 |
| S Monterrey St, N 2 1/2 St, Yellow Brick, S Mould Dr, N Fir St, W FM 3072, W Butler St, Albatross, N Bluebonnet St, Easter Dr | $108,500 | $100,000 | $100,000-$125,000 | $52,500 | $50,000 | $25,000-$50,000 |
| Ricky Ave, Palo Verde Cie, N Kumquat St, Vasquez, S Gumwood St, Dunlyn Way, Bugambilia Ave, la Mora, Blue Jay, S 19th St | $148,000 | $120,000 | $100,000-$125,000 | $118,500 | $110,000 | $100,000-$125,000 |
| Sherryl, N Vodka, S Carlos St, Richmond Dr, E Cheyenne Ave, S Orchid St, N Marigold Ln, S Alamo St, N Esperanza St, N Gumwood Ave | $63,500 | $50,000 | $50,000-$75,000 | $69,500 | $60,000 | $75,000-$100,000 |
| Goodnight Trl, Jacobo, N Dogwood St, E Sanchez Dr, W Carroll Ave, Huisache, W Bell Ave, Laguna Vista St, Fairmont Ave, S Linden St | $71,500 | $60,000 | $50,000-$75,000 | $56,000 | $50,000 | $50,000-$75,000 |
| Robin, W Esteban Ave, Santa Monica St, W Eller Ave, N Carnation Ln, South Dr, W Bowe St, E Redwood St, W Madrid St, Tropical Trl | $118,500 | $110,000 | $100,000-$125,000 | $96,000 | $80,000 | $75,000-$100,000 |
| Pate Ranch Rd, Which Way Ave, Travis Dr, Carlos, S Azalea St, E Feather Ave, S Vasquez St, E Prosperidad, Savannah Dr, W Bell Ave | $111,500 | $100,000 | $100,000-$125,000 | $92,500 | $80,000 | $75,000-$100,000 |
| S Campeche Rd, Rio Vista Ave, Aloas Alondra St, N Hibiscus St, E Serenidad Dr, Leyva, Grosbeak Dr, Albrad St, W Las Milpas Rd, S Bluebonnet St | $81,000 | $70,000 | $75,000-$100,000 | $67,500 | $60,000 | $50,000-$75,000 |
Estimate your Savings with Home Insurance Discounts in Pharr, TX | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$200 | $1,052 |
| Superior Protection Discount | -$125 | $1,128 |
| Fire & Security Discount | -$88 | $1,165 |
| Hail Resistant Roof Discount | -$38 | $1,215 |
| Newly Constructed Home Discount | -$313 | $940 |
Choose your Pharr, TX Home Insurance Coverage for your Specific Claim Requirement | Back to Top
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,794 |
| Physical Damage | $2,368 |
| Hail Damage | $4,948 |
| Wind Damage | $6,496 |
| Expensive Claims | |
| Fire | $45,123 |
| Smoke | $17,556 |
Identify Top Home Insurance Agents near Pharr, TX | Back to Top
| Home Insurance Company Pharr, TX | Homeowners Insurance Agency Pharr, TX | Address | Popularity Score | Distance from Pharr (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Shepard Walton King | 121 Pecan Blvd, Mcallen, TX, 78501 | 3.8 | |
| Allstate | Friendly Insurance | 1617 E Harrison Ave Ste I, Harlingen, TX, 78550 | 31.8 | |
| Farmers | Dalia Garcia | 3322 S Bus Hwy 281, Edinburg, TX, 78539 | 8.2 | |
| State Farm | Victor Reyna | 1701 S Cage Blvd Ste 104, Pharr, TX, 78577-6459 | 0.5 | |
| State Farm | Sergio Pena | 1215 E. Expressway 83, Mission, TX, 78572 | 8.1 | |
| Farmers | Jerry Molina | 5401 N 10th St Ste 113, Mcallen, TX, 78504 | 6.1 | |
| Liberty Mutual Independent | Mission Duncan Insurance Agency | 220 E. Tom Landry, Mission, TX, 78572 | 8.9 | |
| Allstate | Raymond Longoria | 2025 N Conway Ave, Mission, TX, 78572 | 9.2 | |
| Farmers | Samuel Guerrero | 5156 N Expressway, Brownsville, TX, 78526 | 43.7 | |
| Farmers | Nora Pena | 1000 Whitewing Ave, Mcallen, TX, 78501 | 4.7 |
Compare Rates for Pharr, TX Home Insurance Providers | Back to Top
| 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 |
| Hidalgo County, TX | $82,400 | $1,290 | $850 | $1,990 | $1,140 |
| Pharr, TX | $74,800 | $1,253 | $830 | $1,930 | $1,100 |
| Granjeno, TX | $58,100 | $1,292 | $850 | $1,990 | $1,140 |
| Murillo, TX | $116,800 | $995 | $660 | $1,530 | $870 |
| Edinburg, TX | $100,300 | $1,369 | $900 | $2,110 | $1,210 |
| La Paloma, TX | $75,100 | $1,394 | $920 | $2,150 | $1,230 |
| El Refugio, TX | $95,000 | $1,496 | $990 | $2,300 | $1,310 |
| Garza-Salinas II, TX | $66,400 | $1,343 | $890 | $2,070 | $1,180 |
| Rancho Viejo, TX | $199,700 | $1,833 | $1,210 | $2,820 | $1,610 |
| Arroyo Gardens, TX | $63,600 | $1,326 | $880 | $2,040 | $1,160 |
| Laureles, TX | $63,400 | $1,325 | $870 | $2,040 | $1,170 |
Research Home Insurance Companies Reviews in Pharr, TX Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: January 14, 2020 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
I am extremely satisfied with my insurance through this company. State farm makes things easy and accessible. They process quickly and give me options to keep an affordable monthly payment
Date: August 22, 2019 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Customer Service
I have always liked State Farm Insurance. They are very diligent with any issues I have, whether it is car related or home related. I like that I can get a hold of my agent through the phone, text, or email.
Date: July 24, 2019 Age: Above 60 Gender: Female Marital Status: Unmarried
Policy Offerings
The policy they offer is a little higher than most as I am insuring a double wide, but it has more coverage than most insurace. This is why I deciced to pay the little higher price and purchase it.
Date: April 06, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Premium
The premium is a reasonable price and the deductible is very low compared to other agencies in my area.
Date: February 07, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Premium
Compared to others, the premiums/deductibles are pretty economical and affordable for my budget and price range. I would stay with this company for this reason alone
Date: November 01, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Communication
i like that their is always someone available to talk to when i have questions or concerns. Every interaction that i have had has been pleasant.
GEICO Home Insurance Reviews
Date: December 20, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Customer Service
5- im pretty satisfied, Ive never had an issue with my insurance company and they have always been available to ask questions.
Date: June 10, 2019 Age: 20 to 29 Gender: Unmarried Marital Status: Male
Customer Service
I am very satisfied with GEICO customer service. As a locally based company, GEICO cares and looks out for its customers and has provided quality support to my family.
Progressive Home Insurance Reviews
Date: October 07, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
My premium and deductible are lower than the other quotes I received when I last searched for insurance, so I am satisfied.
Liberty Mutual Home Insurance Reviews
Date: September 15, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
Liberty Mutual's policy offerings are varied compared to other insurance companies. I have lots of choices and options and can customize my policy based on my unique needs.
Allstate Home Insurance Reviews
Date: October 19, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Premium
Probably a bit higher, but we dont have alot of experience with other providers so its impossible for us to tell weather we really are getting a good deal or not.
Safeco Insurance Home Insurance Reviews
Date: May 30, 2019 Age: 20 to 29 Gender: Unmarried Marital Status: Male
Premium
USAA provides extremely competitive premiums for the policies that they provide. Comparing them to other home insurance policies, USAA generally charges less for the same coverage.
Alfa Insurance Home Insurance Reviews
Date: November 16, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Customer Service
My relationship with Alfa as my insurance company was formed through my father's experience as a personal injury attorney. I have worked with him for many years where we have had thousands of clients injured in car accidents come through our firm. Generally speaking insurance companies assume the worst in our clients as if they are all scam artists with fake injuries. Alfa is one of the rare exceptions that strikes the right balance between protecting the rights of their insured while respecting the dignity of our clients. They seem to be motivated by doing right by the community more than profit and do not play games like other insurance companies who often withhold checks for weeks after reaching a settlement.
Nationwide Home Insurance Reviews
Date: October 18, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Premium
This insurance company is one of the best here in OH. It offers a great coverage for a much better price than other insurance companies
Farmer's Insurance Home Insurance Reviews
Date: October 09, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
Premium
The premium seems high, but of course one would expect that in an expensive market such as Los Angeles where everything seems expensive.