Gavop's guide to buying homeowners insurance in Elkhart, 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 | $28,000 | $20,000 | $25,000-$50,000 |
| 2 Bedroom | $88,500 | $80,000 | $75,000-$100,000 |
| 3 Bedroom | $71,000 | $60,000 | $50,000-$75,000 |
| 4 Bedroom | $105,000 | $90,000 | $75,000-$100,000 |
| 5 Bedroom | $192,500 | $160,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$152 | $859 |
| Superior Protection Discount | -$101 | $909 |
| Fire & Security Discount | -$111 | $899 |
| Hail Resistant Roof Discount | -$30 | $980 |
| Newly Constructed Home Discount | -$293 | $717 |
| 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 |
| Anderson County | $1,500 | $1,317 | $2,817 | $957 | $2,457 | $360 |
| Elkhart, TX | $1,500 | $998 | $2,498 | $725 | $2,225 | $273 |
| Frankston, TX | $100 | $953 | $1,053 | $693 | $793 | $260 |
| Cayuga, TX | $2,500 | $1,499 | $3,999 | $1,089 | $3,589 | $410 |
| Reklaw, TX | $300 | $1,414 | $1,714 | $1,027 | $1,327 | $386 |
| New Summerfield, TX | $1,500 | $1,565 | $3,065 | $1,137 | $2,637 | $428 |
| Jewett, TX | $300 | $1,371 | $1,671 | $997 | $1,297 | $375 |
| Cushing, TX | $2,000 | $1,288 | $3,288 | $936 | $2,936 | $352 |
| Teague, TX | $200 | $1,030 | $1,230 | $749 | $949 | $282 |
| Groveton, TX | $2,500 | $1,378 | $3,878 | $1,002 | $3,502 | $377 |
| Kirvin, TX | $500 | $1,303 | $1,803 | $947 | $1,447 | $356 |
| Redland, TX | $2,500 | $1,538 | $4,038 | $1,118 | $3,618 | $420 |
| Home Insurance Company Elkhart, TX | Homeowners Insurance Agency Elkhart, TX | Address | Popularity Score | Distance from Elkhart (miles) |
|---|---|---|---|---|
| State Farm | Brett Weisenburn | 2908 W Oak St, Palestine, TX, 75801-5404 | 11.8 | |
| Farmers | Alice Alvey | 2000 S Loop 256 Ste 34, Palestine, TX, 75801 | 9.6 | |
| Farmers | Debra Mccann | 105 Acr 145, Palestine, TX, 75801 | 8.6 | |
| Farmers | Stephanie Burns | 942s Highway 84 W, Teague, TX, 75860 | 45.7 | |
| Allstate | Jeremy Millar | 514 E Corsicana St Ste B, Athens, TX, 75751 | 44.7 | |
| Travelers | Huffman Insurance Agency | 1105 North 8th Ave, Teague, TX, 75860 | 45.1 | |
| State Farm | David Barnard | 501 East Murchison, Palestine, TX, 75801 | 12.0 | |
| Allstate | John L. Trent | 605 S Palestine St, Athens, TX, 75751 | 44.3 | |
| Travelers | Malakoff Insurance | 102 S Terry Street, Malakoff, TX, 75148 | 47.8 | |
| Farmers | Steve Irvin | 3200 Troup Hwy Ste 242, Tyler, TX, 75701 | 49.6 |
| 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 |
| Anderson County, TX | $91,800 | $1,333 | $880 | $2,050 | $1,170 |
| Elkhart, TX | $80,200 | $1,010 | $670 | $1,560 | $890 |
| Frankston, TX | $104,800 | $965 | $640 | $1,490 | $850 |
| Cayuga, TX | $99,500 | $1,517 | $1,000 | $2,340 | $1,340 |
| Reklaw, TX | $81,900 | $1,431 | $940 | $2,200 | $1,260 |
| New Summerfield, TX | $115,200 | $1,584 | $1,050 | $2,440 | $1,390 |
| Jewett, TX | $74,100 | $1,388 | $920 | $2,140 | $1,220 |
| Cushing, TX | $60,000 | $1,304 | $860 | $2,010 | $1,150 |
| Teague, TX | $89,000 | $1,043 | $690 | $1,610 | $920 |
| Groveton, TX | $75,400 | $1,395 | $920 | $2,150 | $1,230 |
| Kirvin, TX | $62,500 | $1,319 | $870 | $2,030 | $1,160 |
| Redland, TX | $108,700 | $1,557 | $1,030 | $2,400 | $1,370 |