Gavop shows you how to buy homeowners insurance in Shallowater, TX by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $43,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $62,000 | $50,000 | $50,000-$75,000 |
| 3 Bedroom | $90,500 | $80,000 | $75,000-$100,000 |
| 4 Bedroom | $218,000 | $180,000 | $200,000-$250,000 |
| 5 Bedroom | $125,000 | $110,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$186 | $792 |
| Superior Protection Discount | -$98 | $881 |
| Fire & Security Discount | -$108 | $871 |
| Hail Resistant Roof Discount | -$20 | $959 |
| Newly Constructed Home Discount | -$225 | $753 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,276 |
| Physical Damage | $2,513 |
| Hail Damage | $4,665 |
| Wind Damage | $6,305 |
| Expensive Claims | |
| Fire | $42,442 |
| Smoke | $16,887 |
| Home Insurance Company Shallowater, TX | Homeowners Insurance Agency Shallowater, TX | Address | Popularity Score | Distance from Shallowater (miles) |
|---|---|---|---|---|
| Travelers | Charles Short Insurance Agency Inc | 2415 20th Street, Lubbock, TX, 79411 | 13.0 | |
| Liberty Mutual Independent | Grimes Insurance Agency Inc | 1651 Broadway, Lubbock, TX, 79401 | 13.0 | |
| Farmers | Brent Hatchett | 4202 98th St Ste 101, Lubbock, TX, 79423 | 16.5 | |
| Allstate | Paul Willems | 4747 S Loop 289 Ste 140, Lubbock, TX, 79424 | 14.5 | |
| Farmers | Tyler Mcdonald | 5124 82nd St, Lubbock, TX, 79424 | 15.2 | |
| Farmers | Daniel Enabnit | 8605 Milwaukee Ave Ste 101, Lubbock, TX, 79424 | 15.0 | |
| Travelers | Insurance Partners | 7335 W 82nd, Ste 4, Lubbock, TX, 79424 | 14.6 | |
| Farmers | Joe Schoenig | 7402 University Ave, Lubbock, TX, 79423 | 15.8 | |
| Travelers | Sbmp Inc | 1617 Main, Petersburg, TX, 79250 | 24.9 | |
| Liberty Mutual Independent | Cary Mormino & Associates | 921b Avenue D, Abernathy, TX, 79311 | 11.3 |
| 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 |
| Lubbock County, TX | $122,700 | $1,452 | $960 | $2,240 | $1,280 |
| Shallowater, TX | $110,100 | $978 | $650 | $1,510 | $860 |
| Anton, TX | $57,600 | $1,289 | $850 | $1,990 | $1,140 |
| Abernathy, TX | $80,800 | $1,425 | $940 | $2,190 | $1,250 |
| Hockley County, TX | $82,300 | $1,019 | $670 | $1,570 | $900 |
| Levelland, TX | $87,700 | $1,038 | $690 | $1,600 | $910 |
| Amherst, TX | $52,100 | $1,252 | $830 | $1,930 | $1,100 |
| Wilson, TX | $81,700 | $1,429 | $940 | $2,200 | $1,260 |
| Meadow, TX | $67,900 | $1,352 | $890 | $2,080 | $1,190 |
| Sudan-Amherst, TX | $59,500 | $1,301 | $860 | $2,000 | $1,140 |
| Springlake, TX | $41,300 | $1,177 | $780 | $1,810 | $1,030 |
| Brownfield, TX | $68,000 | $962 | $630 | $1,480 | $850 |