How Can I Make My Harker Heights, TX Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Harker Heights, TX by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your Harker Heights, TX Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $52,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $113,500 | $90,000 | $100,000-$125,000 |
| 3 Bedroom | $153,500 | $130,000 | $175,000-$200,000 |
| 4 Bedroom | $241,500 | $220,000 | $250,000-$300,000 |
| 5 Bedroom | $323,500 | $280,000 | $350,000-$400,000 |
Estimate your Savings with Home Insurance Discounts in Harker Heights, TX | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$183 | $780 |
| Superior Protection Discount | -$87 | $876 |
| Fire & Security Discount | -$77 | $885 |
| Hail Resistant Roof Discount | -$19 | $943 |
| Newly Constructed Home Discount | -$192 | $770 |
Choose your Harker Heights, 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 | $2,344 |
| Hail Damage | $4,759 |
| Wind Damage | $6,433 |
| Expensive Claims | |
| Fire | $43,782 |
| Smoke | $16,218 |
Identify Top Home Insurance Agents near Harker Heights, TX | Back to Top
| Home Insurance Company Harker Heights, TX | Homeowners Insurance Agency Harker Heights, TX | Address | Popularity Score | Distance from Harker Heights (miles) |
|---|---|---|---|---|
| State Farm | Jessica Hernandez | 13740 Research Blvd Ste L2, Austin, TX, 78750-1833 | 42.1 | |
| State Farm | Blake Miller | 6507 Jester Blvd Ste 103, Austin, TX, 78750-8367 | 48.2 | |
| Travelers | Keystone Insurance Services Inc | 8704 Dawnridge Circle, Austin, TX, 78757 | 47.4 | |
| Farmers | Emily Kirkpatrick | 701 N Main St, Belton, TX, 76513 | 10.9 | |
| State Farm | Andrew Easley | 7301 N Fm 620 Ste 135, Austin, TX, 78726-4547 | 46.6 | |
| State Farm | Alan Cox | 1201 E Central Texas Expwy, Killeen, TX, 76541-9126 | 5.7 | |
| State Farm | Ryan Landers | 8405 Burnet Rd, Austin, TX, 78757-7001 | 47.9 | |
| Farmers | John Steward | 7600 Burnet Rd Ste 180, Austin, TX, 78757 | 48.8 | |
| State Farm | Roberto Montero | 12129 Rr 620 N Ste 420, Austin, TX, 78750-1095 | 42.3 | |
| Farmers | Phillip Gunter | 2201 Double Creek Dr Ste 2004, Round Rock, TX, 78664 | 38.9 |
Compare Rates for Harker Heights, 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 |
| Bell County, TX | $137,100 | $1,498 | $990 | $2,310 | $1,320 |
| Harker Heights, TX | $171,900 | $962 | $640 | $1,480 | $840 |
| Temple, TX | $128,400 | $1,471 | $970 | $2,260 | $1,290 |
| Little River-Academy, TX | $105,600 | $1,544 | $1,020 | $2,380 | $1,360 |
| Florence, TX | $275,700 | $1,095 | $720 | $1,690 | $970 |
| South Mountain, TX | $98,200 | $1,511 | $1,000 | $2,330 | $1,330 |
| Oglesby, TX | $95,100 | $1,497 | $990 | $2,310 | $1,320 |
| Turnersville, TX | $86,800 | $1,456 | $960 | $2,240 | $1,280 |
| Cameron, TX | $74,200 | $988 | $650 | $1,520 | $870 |
| McLennan County, TX | $125,200 | $1,460 | $960 | $2,250 | $1,290 |
| Marlin, TX | $52,700 | $893 | $590 | $1,380 | $790 |
| Marble Falls, TX | $184,900 | $980 | $650 | $1,510 | $860 |
Research Home Insurance Companies Reviews in Harker Heights, TX Before Buying | Back to Top
Share a review on your home insurance company
Auto Owners Insurance Home Insurance Reviews
Date: October 15, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Premium
Auto owners had the least expensive rates if I bundled my car with my house insurance. I think the other companies were substantially more expensive.
Allstate Home Insurance Reviews
Date: April 05, 2019 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Premium
The premium seemed a bit high, but the deductible seemed reasonable. I did not do much comparison shopping. I went with them based on a recommendation.
Amica Mutual Insurance Home Insurance Reviews
Date: November 21, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Premium
Clark Howard (well-known finance advisor) recommended Amica, and I also checked out a few online reviews. I believe their premiums are good based on reviews though I admit that I have not compared.
GEICO Home Insurance Reviews
Date: December 22, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Premium
The premiums and deductibles are very affordable for every home owner. you should always try to get the best deal.
Progressive Home Insurance Reviews
Date: January 15, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Policy Offerings
The policy offerings are fairly inline with others that you would see out there. In addition, they are priced pretty fairly as well.