Gavop's guide to buying homeowners insurance in Hutchinson 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $46,000 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $97,000 | $90,000 | $75,000-$100,000 |
| 3 Bedroom | $83,000 | $80,000 | $75,000-$100,000 |
| 4 Bedroom | $190,500 | $160,000 | $175,000-$200,000 |
| 5 Bedroom | $281,000 | $230,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$159 | $834 |
| Superior Protection Discount | -$89 | $903 |
| Fire & Security Discount | -$89 | $903 |
| Hail Resistant Roof Discount | -$30 | $963 |
| Newly Constructed Home Discount | -$288 | $705 |
| 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 |
| Hutchinson County | $700 | $981 | $1,681 | $713 | $1,413 | $268 |
| Hutchinson County, TX | $2,000 | $981 | $2,981 | $713 | $2,713 | $268 |
| Sanford, TX | $300 | $1,092 | $1,392 | $793 | $1,093 | $298 |
| Morse, TX | $2,000 | $1,193 | $3,193 | $867 | $2,867 | $326 |
| Spearman, TX | $2,500 | $1,447 | $3,947 | $1,052 | $3,552 | $396 |
| Panhandle, TX | $400 | $1,584 | $1,984 | $1,151 | $1,551 | $433 |
| Roberts County, TX | $1,000 | $935 | $1,935 | $679 | $1,679 | $255 |
| Gruver, TX | $500 | $1,494 | $1,994 | $1,086 | $1,586 | $408 |
| Perryton West, TX | $2,000 | $1,704 | $3,704 | $1,239 | $3,239 | $466 |
| Sherman County, TX | $300 | $1,023 | $1,323 | $743 | $1,043 | $279 |
| Perryton, TX | $2,000 | $955 | $2,955 | $694 | $2,694 | $261 |
| Home Insurance Company Hutchinson County, TX | Homeowners Insurance Agency Hutchinson County, TX | Address | Popularity Score | Distance from Hutchinson County (miles) |
|---|---|---|---|---|
| Farmers | Aaron Cappilla | 432 Weatherly St, Borger, TX, 79007 | 11.6 | |
| Farmers | Angel Hernandez | 104 1/2 S Main St, Perryton, TX, 79070 | 49.9 | |
| Travelers | Whitney Insurance Agency | 721 W Kingsmill Ave, Pampa, TX, 79065 | 30.5 | |
| State Farm | Brett Stegall | 610 E 1st St, Dumas, TX, 79029-3216 | 33.9 | |
| State Farm | Sue Holt | 1545 S Dumas Ave, Dumas, TX, 79029-5517 | 34.3 | |
| Travelers | Whitney Insurance Agency | 721 W Kingsmill Ave, Pampa, TX, 79065 | 30.5 | |
| Allstate | Rex Young | 1300 S Cedar St, Borger, TX, 79007 | 12.8 | |
| State Farm | Sheila Webb | 1203 N Hobart St Ste 43, Pampa, TX, 79065-4605 | 29.8 | |
| Allstate | Security Insurance | 306 S Main St # 1249, Perryton, TX, 79070 | 49.7 | |
| Farmers | Keith Cappilla | 432 Weatherly St, Borger, TX, 79007 | 11.6 |
| 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 |
| Hutchinson County, TX | $75,500 | $993 | $660 | $1,530 | $870 |
| Hutchinson County, TX | $75,500 | $993 | $660 | $1,530 | $870 |
| Sanford, TX | $31,900 | $1,105 | $730 | $1,700 | $970 |
| Morse, TX | $45,600 | $1,207 | $800 | $1,860 | $1,060 |
| Spearman, TX | $88,600 | $1,465 | $970 | $2,260 | $1,290 |
| Panhandle, TX | $120,100 | $1,603 | $1,060 | $2,470 | $1,410 |
| Roberts County, TX | $135,700 | $946 | $620 | $1,460 | $840 |
| Gruver, TX | $98,500 | $1,512 | $1,000 | $2,330 | $1,330 |
| Perryton West, TX | $156,700 | $1,725 | $1,140 | $2,660 | $1,520 |
| Sherman County, TX | $86,800 | $1,035 | $680 | $1,590 | $910 |
| Perryton, TX | $98,200 | $967 | $640 | $1,490 | $850 |