How Can I Make My Baytown, TX Home Insurance Cheaper

Gavop's guide to buying homeowners insurance in Baytown, 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.

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Estimate Appropriate Baytown, TX Home Insurance Coverage Levels | Back to Top

Baytown, TX - Neighbourhoods, Census Blocks & Streets 3 Bedroom 2 Bedroom
Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
Cook, Rollingwood Cir, Walker Rd, Wyoming St, W Humble St, Red Cedar Bend, S Burnett Dr, Cary Creek Dr, E Republic St, Thibodeaux St $93,000 $80,000 $75,000-$100,000 $93,000 $80,000 $75,000-$100,000
Pueblo Trl, Carlisle Ct, S Bluebill Bay, Summer Ln, Crow Rd, Charles Ave, Gwenn Ln, Parsley St, Macarthur St, E Nazro St $112,000 $100,000 $100,000-$125,000 $64,500 $60,000 $50,000-$75,000
Pinewood Court Dr, Monroe St, Tennessee St, Larch St, Sierra Dr, Country Club Cove Dr, Abbott St, Golden Dr, Pebble Brook St, N Airhart Dr $79,500 $70,000 $50,000-$75,000 $61,000 $60,000 $50,000-$75,000
Wildwood St, S Alexander Dr, E Murrill St, del Oro St, Lancelot, Heather Ln, Carnegie St, Chad Ln, Goss Rd, Hunters Ridge Dr $153,500 $150,000 $150,000-$175,000 $133,000 $120,000 $150,000-$175,000
N Laura Cir, Caldwell St, Olive St, Craig St, Oakwood St, Southwood Dr, E Sterling St, Cynda Brooke Dr, Narcille St, Narcille St $83,000 $70,000 $75,000-$100,000 $109,500 $100,000 $125,000-$150,000

Estimate your Savings with Home Insurance Discounts in Baytown, TX | Back to Top

Type Discount ($) Premium After Discount ($)
Multipolicy Discount -$205 $1,159
Superior Protection Discount -$136 $1,227
Fire & Security Discount -$95 $1,268
Hail Resistant Roof Discount -$41 $1,323
Newly Constructed Home Discount -$355 $1,009

Choose your Baytown, TX Home Insurance Coverage for your Specific Claim Requirement | Back to Top

Claim Type Average Claim Cost
General Claims
Water Damage $7,386
Hail Damage $5,211
Wind Damage $10,116
Expensive Claims
Fire $37,853
Accidental Discharge/Leakage $8,194
Optional Coverage Losses $8,156

Identify Top Home Insurance Agents near Baytown, TX | Back to Top

Home Insurance Company Baytown, TX Homeowners Insurance Agency Baytown, TX Address Popularity Score Distance from Baytown (miles)
State Farm Erwin Mcgowan 1315 Lockwood Dr, Houston, TX, 77020-6616
Farmers Daniel Medina 7921 Park Place Blvd, Houston, TX, 77087
State Farm Paul Wankowicz 3413 Garth Rd, Baytown, TX, 77521-3851
State Farm Randy Casey 4808 East Fwy, Baytown, TX, 77521-8370
Allstate Brook Beasley 21021 Springbrook Plaza Dr Ste 130, Spring, TX, 77379
State Farm Noel Vallejo 548 Gulfgate Center Mall, Houston, TX, 77087-3022
State Farm Chipper Holt 4418 Center St Ste A, Deer Park, TX, 77536-6658
Farmers Victor Pena 5817 Bissonnet St, Bellaire, TX, 77401
Allstate Kenny Eaves 6605 Cypresswood Dr # 225, Spring, TX, 77379
Travelers Twfg Insurance Services 22223 Kingsland Blvd , Katy, TX, 77450

Compare Rates for Baytown, TX Home Insurance Providers | Back to Top

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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
Harris County, TX $154,100 $1,391 $920 $2,140 $1,220
Baytown, TX $99,100 $1,364 $900 $2,100 $1,200
Galena Park, TX $68,000 $962 $630 $1,480 $850
Dickinson, TX $145,600 $964 $640 $1,490 $850
West University Place, TX $987,400 $960 $630 $1,480 $850
Southside Place, TX $1,184,600 $1,227 $810 $1,890 $1,080
Piney Point Village, TX $1,687,100 $1,278 $840 $1,970 $1,130
Sienna Plantation, TX $324,800 $1,111 $730 $1,710 $980
Meadows Place, TX $163,600 $1,744 $1,150 $2,690 $1,540
Sugar Land, TX $231,300 $1,285 $850 $1,980 $1,130
Richmond, TX $158,700 $987 $650 $1,520 $870
Holiday Lakes, TX $43,500 $1,192 $790 $1,840 $1,050

Research Home Insurance Companies Reviews in Baytown, TX Before Buying | Back to Top

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State Farm Home Insurance Reviews

Date: October 17, 2019    Age: Above 60    Gender: Male    Marital Status: Married

My premium and deductible is not too high. In case something were to happen it is low enough to where I could easily afford to pay it and not stress out about having to come up with hundreds of dollars.

Date: July 28, 2019    Age: 40 to 49    Gender: Male    Marital Status: Married

the premiumis ok and the dedudtable is in line with all the other ins companies. i am ok with them and will continue with them

Date: December 10, 2018    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Policy Offerings
The overall policy offerings were average. They only had the standard coverings such as flood and theft insurance. There was nothing special that made them stick out from other policies.

Date: November 12, 2018    Age: Above 60    Gender: Male    Marital Status: Married

Our premium is no different than most others. Our premium was established when our house was valued at much higher price, so we are probably paying a little too much but at least our entire home would be covered.

Safeco Insurance Home Insurance Reviews

Date: July 02, 2019    Age: 40 to 49    Gender: Male    Marital Status: Married

Customer Service
I love Safeco. I have insurance through them because my family has for years. Safeco proved their dedication to their customers when my hometown was hit by tornado.

Date: November 10, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

I think it's super easy to navigate and easy to find where my policies are. They are just one click away.

Liberty Mutual Home Insurance Reviews

Date: February 04, 2019    Age: 50 to 59    Gender: Female    Marital Status: Unmarried

I have compared the premiums and deductibles once or twice and found them to be comparable to those offered by other insurance providers for equivalent coverage.

Allstate Home Insurance Reviews

Date: September 18, 2019    Age: Above 60    Gender: Female    Marital Status: Married

Policy Offerings
I think my company offers coverage similar to others, but I think that their rates are lower because they tailor their services to teachers. They know teachers have limited incomes.

Travelers Home Insurance Reviews

Date: June 03, 2019    Age: 30 to 39    Gender: Unmarried    Marital Status: Female

I have a thousand dollar deductable for roof repairs and my neighbor has a twelve thousand dollar deductable. Who has that kind of money. I am very satisfied

Farmer's Insurance Home Insurance Reviews

Date: September 08, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

From there, you can determine the amounts that you're comfortable with. In summary, a policy premium refers to your total quoted payment amount for the length of your insurance policy.

GEICO Home Insurance Reviews

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