Gavop's guide to buying homeowners insurance in Starr 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 | $33,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $68,000 | $60,000 | $75,000-$100,000 |
| 3 Bedroom | $114,500 | $100,000 | $100,000-$125,000 |
| 4 Bedroom | $169,000 | $150,000 | $150,000-$175,000 |
| 5 Bedroom | $217,000 | $180,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$170 | $1,043 |
| Superior Protection Discount | -$109 | $1,104 |
| Fire & Security Discount | -$97 | $1,116 |
| Hail Resistant Roof Discount | -$24 | $1,189 |
| Newly Constructed Home Discount | -$328 | $886 |
| 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 |
| Starr County | $2,000 | $1,199 | $3,199 | $871 | $2,871 | $328 |
| Starr County, TX | $1,500 | $1,199 | $2,699 | $871 | $2,371 | $328 |
| La Grulla, TX | $400 | $903 | $1,303 | $656 | $1,056 | $247 |
| Palmview South, TX | $1,000 | $1,313 | $2,313 | $954 | $1,954 | $359 |
| Encino, TX | $100 | $1,296 | $1,396 | $942 | $1,042 | $354 |
| Hargill, TX | $400 | $1,406 | $1,806 | $1,022 | $1,422 | $384 |
| Home Insurance Company Starr County, TX | Homeowners Insurance Agency Starr County, TX | Address | Popularity Score | Distance from Starr County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Shepard Walton King | 121 Pecan Blvd, Mcallen, TX, 78501 | 38.3 | |
| Farmers | Robert Garza | 1109 W Nolana Ave Ste 101, Mcallen, TX, 78504 | 37.0 | |
| Farmers | Delma Ramirez | 1703 W Owassa Rd Ste 7, Edinburg, TX, 78539 | 38.5 | |
| Farmers | Sandra Smith | 2205 N Sugar Rd, Pharr, TX, 78577 | 39.7 | |
| Travelers | Global Insurance Agency | 1700 W Bus. 83, Ste C, Mission, TX, 78572 | 32.3 | |
| Farmers | Dalia Garcia | 3322 S Bus Hwy 281, Edinburg, TX, 78539 | 37.6 | |
| State Farm | Victor Reyna | 1701 S Cage Blvd Ste 104, Pharr, TX, 78577-6459 | 41.6 | |
| Farmers | Laura Perez | 10213 N 10th St Ste B, Mcallen, TX, 78504 | 35.6 | |
| Farmers | Octaviano Martinez | 400 W Pecan Blvd, Mcallen, TX, 78501 | 38.1 | |
| Travelers | James E Capt & Associates Llc | 1336 Med Capt Dr, Pharr, TX, 78577 | 42.4 |
| 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 |
| Starr County, TX | $67,200 | $1,213 | $800 | $1,870 | $1,070 |
| Starr County, TX | $67,200 | $1,213 | $800 | $1,870 | $1,070 |
| La Grulla, TX | $57,100 | $914 | $600 | $1,410 | $810 |
| Palmview South, TX | $64,100 | $1,329 | $880 | $2,050 | $1,170 |
| Encino, TX | $61,300 | $1,312 | $870 | $2,020 | $1,150 |
| Hargill, TX | $80,400 | $1,423 | $940 | $2,190 | $1,250 |