Gavop's guide to buying homeowners insurance in Scenic Oaks, 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 | $115,500 | $100,000 | $100,000-$125,000 |
| 2 Bedroom | $172,000 | $160,000 | $150,000-$175,000 |
| 3 Bedroom | $258,000 | $210,000 | $200,000-$250,000 |
| 4 Bedroom | $569,000 | $500,000 | $600,000-$700,000 |
| 5 Bedroom | $450,000 | $380,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$200 | $975 |
| Superior Protection Discount | -$117 | $1,057 |
| Fire & Security Discount | -$82 | $1,092 |
| Hail Resistant Roof Discount | -$23 | $1,151 |
| Newly Constructed Home Discount | -$317 | $857 |
| 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 |
| Bexar County | $1,500 | $1,495 | $2,995 | $1,086 | $2,586 | $408 |
| Scenic Oaks, TX | $700 | $1,160 | $1,860 | $843 | $1,543 | $317 |
| Fair Oaks Ranch, TX | $100 | $981 | $1,081 | $713 | $813 | $268 |
| Shavano Park, TX | $1,000 | $955 | $1,955 | $694 | $1,694 | $261 |
| Bulverde, TX | $100 | $2,009 | $2,109 | $1,460 | $1,560 | $549 |
| Castle Hills, TX | $1,000 | $1,981 | $2,981 | $1,440 | $2,440 | $541 |
| Kirby, TX | $200 | $1,007 | $1,207 | $732 | $932 | $275 |
| Natalia, TX | $1,500 | $1,294 | $2,794 | $941 | $2,441 | $354 |
| La Vernia, TX | $100 | $961 | $1,061 | $698 | $798 | $263 |
| Leming, TX | $1,000 | $1,430 | $2,430 | $1,039 | $2,039 | $391 |
| Moore, TX | $200 | $1,535 | $1,735 | $1,116 | $1,316 | $420 |
| Home Insurance Company Scenic Oaks, TX | Homeowners Insurance Agency Scenic Oaks, TX | Address | Popularity Score | Distance from Scenic Oaks (miles) |
|---|---|---|---|---|
| Nationwide | Joel Gonzales Agency | 12930 Bandera Rd, Helotes, TX, 78023-4002 | 9.8 | |
| Travelers | Sonora Insurance Group | 1499 S Main St, Boerne, TX, 78006 | 5.8 | |
| State Farm | Kirk Talley | 117 N Guadalupe St Ste 101, San Marcos, TX, 78666-5606 | 45.4 | |
| State Farm | Ed Salmeron | 8507 Mccullough Ave Ste C7, San Antonio, TX, 78216-6457 | 16.7 | |
| State Farm | Chad Dawson | 5890 De Zavala Rd Ste 105, San Antonio, TX, 78249-2279 | 9.5 | |
| Farmers | Gloria Molina | 7205 Bandera Rd Ste 103, San Antonio, TX, 78238 | 13.9 | |
| State Farm | Ken Tucker | 15503 Babcock Rd Ste 3-A, San Antonio, TX, 78255-1135 | 8.3 | |
| State Farm | Joel Ponton | 4079 N Loop 1604 W Ste 101, San Antonio, TX, 78257-9744 | 9.5 | |
| Farmers | Daniel Bittick Ii | 6335 Camp Bullis Rd Ste B32, San Antonio, TX, 78257 | 6.5 | |
| Farmers | Adrian De Los Reyes | 15900 La Cantera Pkwy Ste 26205, San Antonio, TX, 78256 | 8.4 |
| 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 |
| Bexar County, TX | $142,300 | $1,513 | $1,000 | $2,330 | $1,330 |
| Scenic Oaks, TX | $353,500 | $1,174 | $780 | $1,810 | $1,030 |
| Fair Oaks Ranch, TX | $425,100 | $993 | $660 | $1,530 | $870 |
| Shavano Park, TX | $620,300 | $967 | $640 | $1,490 | $850 |
| Bulverde, TX | $284,600 | $2,033 | $1,340 | $3,130 | $1,790 |
| Castle Hills, TX | $274,200 | $2,005 | $1,320 | $3,090 | $1,770 |
| Kirby, TX | $82,600 | $1,020 | $670 | $1,570 | $900 |
| Natalia, TX | $61,000 | $1,310 | $860 | $2,020 | $1,160 |
| La Vernia, TX | $178,800 | $972 | $640 | $1,500 | $860 |
| Leming, TX | $85,000 | $1,447 | $960 | $2,230 | $1,270 |
| Moore, TX | $108,000 | $1,554 | $1,030 | $2,390 | $1,360 |