Gavop's guide to buying homeowners insurance in Gonzales 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.
| Gonzales County, 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 | |
| St John St, W 5th St, FM 3282, Mitchell St, Dunning St, D Ave, Co Rd 359, S Co Rd 141, Dam Rd, Botts St | $220,500 | $190,000 | $200,000-$250,000 | $137,000 | $120,000 | $150,000-$175,000 |
| W Cone St, Carpenter, FM 108, Live Oak St, Co Rd 157, FM 794, W Co Rd 104, Co Rd 186, Co Rd 510, Co Rd 397 | $101,000 | $90,000 | $100,000-$125,000 | $108,000 | $100,000 | $125,000-$150,000 |
| Harrell St, NW 1st St, Walnut St, E Arlington, Co Rd 309, Co Rd 209, N Pecan, Co Rd 191, E Cone St, Co Rd 443 | $110,500 | $90,000 | $125,000-$150,000 | $71,000 | $60,000 | $50,000-$75,000 |
| Seydler St, FM 1586, Co Rd 255, Goodwin Rd, Co Rd 105, McClure St, Co Rd 143, Ave F, Co Rd 242, Bowman Ln | $141,000 | $130,000 | $125,000-$150,000 | $86,000 | $70,000 | $75,000-$100,000 |
| Co Rd 159 W, Independence Trl, St Michael St, Co Rd 415, Co Rd 195, FM 2091 S, Co Rd 383, Co Rd 358, S 1st St, N Walnut St | $166,500 | $150,000 | $125,000-$150,000 | $127,000 | $110,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$201 | $856 |
| Superior Protection Discount | -$106 | $951 |
| Fire & Security Discount | -$106 | $951 |
| Hail Resistant Roof Discount | -$32 | $1,025 |
| Newly Constructed Home Discount | -$296 | $761 |
| 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 |
| Gonzales County | $700 | $1,044 | $1,744 | $759 | $1,459 | $285 |
| Gonzales County, TX | $700 | $1,044 | $1,744 | $759 | $1,459 | $285 |
| Gonzales, TX | $500 | $957 | $1,457 | $695 | $1,195 | $261 |
| Westhoff-Arneckville, TX | $1,500 | $1,771 | $3,271 | $1,287 | $2,787 | $484 |
| Cuero, TX | $200 | $960 | $1,160 | $697 | $897 | $262 |
| Lockhart, TX | $1,000 | $929 | $1,929 | $675 | $1,675 | $254 |
| Geronimo, TX | $200 | $1,288 | $1,488 | $936 | $1,136 | $352 |
| La Vernia, TX | $700 | $961 | $1,661 | $698 | $1,398 | $263 |
| Hallettsville, TX | $500 | $974 | $1,474 | $708 | $1,208 | $266 |
| Marion, TX | $2,500 | $1,428 | $3,928 | $1,038 | $3,538 | $390 |
| La Grange West, TX | $200 | $1,724 | $1,924 | $1,253 | $1,453 | $471 |
| Cibolo, TX | $2,500 | $1,005 | $3,505 | $730 | $3,230 | $275 |
| Home Insurance Company Gonzales County, TX | Homeowners Insurance Agency Gonzales County, TX | Address | Popularity Score | Distance from Gonzales County (miles) |
|---|---|---|---|---|
| State Farm | Justin Meadows | 1928 S Seguin Ave Unit 106, New Braunfels, TX, 78130-3911 | 40.5 | |
| Travelers | Hermes Insurance Agency | 399 W San Antonio St, New Braunfels, TX, 78130 | 42.2 | |
| Farmers | Jason Eiser | 102 Main St, Buda, TX, 78610 | 47.3 | |
| Travelers | The Insurance Team | 117 White Oak St, Lockhart, TX, 78644 | 30.2 | |
| Allstate | Wendell Smith | 813 N Hwy 123 Byp, Seguin, TX, 78155 | 29.0 | |
| State Farm | Alex Hartman | 1420 Schertz Pkwy Ste 170, Schertz, TX, 78154-1668 | 48.2 | |
| Allstate | Nicholas Mericle | 1520 S Seguin Ave, New Braunfels, TX, 78130 | 40.8 | |
| Allstate | Harbans Soni | 1387 Sattler Rd Unit C, Canyon Lake, TX, 78132 | 49.3 | |
| State Farm | Rebecca Pulliam | 203 S Main St, Lockhart, TX, 78644-2742 | 30.9 | |
| Allstate | Johnny Lewallen | 2206 Old Ranch Road 12 Ste E, San Marcos, TX, 78666 | 42.2 |
| 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 |
| Gonzales County, TX | $92,900 | $1,057 | $700 | $1,630 | $930 |
| Gonzales County, TX | $92,900 | $1,057 | $700 | $1,630 | $930 |
| Gonzales, TX | $98,600 | $968 | $640 | $1,490 | $850 |
| Westhoff-Arneckville, TX | $182,700 | $1,793 | $1,180 | $2,760 | $1,580 |
| Cuero, TX | $99,700 | $971 | $640 | $1,500 | $860 |
| Lockhart, TX | $132,700 | $940 | $620 | $1,450 | $830 |
| Geronimo, TX | $60,000 | $1,304 | $860 | $2,010 | $1,150 |
| La Vernia, TX | $178,800 | $972 | $640 | $1,500 | $860 |
| Hallettsville, TX | $158,200 | $986 | $650 | $1,520 | $870 |
| Marion, TX | $84,700 | $1,445 | $950 | $2,230 | $1,280 |
| La Grange West, TX | $164,100 | $1,745 | $1,150 | $2,690 | $1,540 |
| Cibolo, TX | $214,500 | $1,017 | $670 | $1,570 | $900 |