How Can I Make My Galveston, TX Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Galveston, 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.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your Galveston, TX Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $57,500 | $50,000 | $25,000-$50,000 |
| 2 Bedroom | $121,000 | $110,000 | $125,000-$150,000 |
| 3 Bedroom | $222,000 | $190,000 | $250,000-$300,000 |
| 4 Bedroom | $242,500 | $230,000 | $200,000-$250,000 |
| 5 Bedroom | $323,500 | $300,000 | $350,000-$400,000 |
Estimate your Savings with Home Insurance Discounts in Galveston, TX | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$269 | $1,146 |
| Superior Protection Discount | -$142 | $1,274 |
| Fire & Security Discount | -$142 | $1,274 |
| Hail Resistant Roof Discount | -$28 | $1,387 |
| Newly Constructed Home Discount | -$354 | $1,061 |
Choose the Right Deductible for your Galveston, TX Home | Back to Top
| 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 |
| Galveston County | $700 | $1,334 | $2,034 | $969 | $1,669 | $365 |
| Galveston, TX | $1,000 | $1,398 | $2,398 | $1,016 | $2,016 | $382 |
| Galveston, TX | $100 | $1,398 | $1,498 | $1,016 | $1,116 | $382 |
| Kemah, TX | $700 | $1,782 | $2,482 | $1,295 | $1,995 | $487 |
| La Porte, TX | $100 | $1,463 | $1,563 | $1,063 | $1,163 | $400 |
| Brazoria County, TX | $1,500 | $1,397 | $2,897 | $1,015 | $2,515 | $382 |
| Rosharon, TX | $300 | $1,337 | $1,637 | $971 | $1,271 | $365 |
| Iowa Colony, TX | $2,500 | $1,869 | $4,369 | $1,358 | $3,858 | $511 |
| Brookside Village, TX | $200 | $1,752 | $1,952 | $1,273 | $1,473 | $479 |
| South Houston, TX | $1,000 | $1,016 | $2,016 | $739 | $1,739 | $278 |
| Jacinto City, TX | $400 | $974 | $1,374 | $708 | $1,108 | $266 |
| Stafford, TX | $1,500 | $942 | $2,442 | $685 | $2,185 | $258 |
Identify Top Home Insurance Agents near Galveston, TX | Back to Top
| Home Insurance Company Galveston, TX | Homeowners Insurance Agency Galveston, TX | Address | Popularity Score | Distance from Galveston (miles) |
|---|---|---|---|---|
| State Farm | Kyle Angelle | 1990 Cntry Pl Pkwy, Pearland, TX, 77584-2137 | 37.9 | |
| Allstate | Al Hicks | 1560 W Bay Area Blvd # 303, Friendswood, TX, 77546 | 26.3 | |
| Liberty Mutual Independent | Gbs Insurance Agency Inc | 6300 West Loop S Ste 220, Bellaire, TX, 77401 | 47.7 | |
| State Farm | Dennis Cooke | 3345 Gulf Fwy, Dickinson, TX, 77539-4116 | 18.9 | |
| Allstate | Scott Chauvin | 1350 Nasa Pkwy Ste 104, Houston, TX, 77058 | 25.2 | |
| Farmers | John Leblanc | 11711 Shadow Creek Pkwy Ste 125, Pearland, TX, 77584 | 38.9 | |
| Farmers | Norma Koster | 3303 S Rice Ave Ste 115, Houston, TX, 77056 | 48.9 | |
| Travelers | Cadence Insurance | 2328 Strand St Ste 220, Galveston, TX, 77550 | 8.1 | |
| Farmers | Donna Jackson | 113 N Parking Pl, Lake Jackson, TX, 77566 | 35.8 | |
| State Farm | Sam Ewing | 5615 Kirby Dr Ste 800, Houston, TX, 77005-2451 | 46.4 |
Compare Rates for Galveston, 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 |
| Galveston County, TX | $171,600 | $1,350 | $890 | $2,080 | $1,190 |
| Galveston, TX | $164,600 | $1,415 | $930 | $2,180 | $1,250 |
| Galveston, TX | $164,600 | $1,415 | $930 | $2,180 | $1,250 |
| Kemah, TX | $187,300 | $1,804 | $1,190 | $2,780 | $1,590 |
| La Porte, TX | $131,500 | $1,481 | $980 | $2,280 | $1,300 |
| Brazoria County, TX | $164,300 | $1,414 | $930 | $2,180 | $1,250 |
| Rosharon, TX | $68,000 | $1,353 | $890 | $2,080 | $1,190 |
| Iowa Colony, TX | $226,000 | $1,892 | $1,250 | $2,910 | $1,660 |
| Brookside Village, TX | $174,600 | $1,773 | $1,170 | $2,730 | $1,560 |
| South Houston, TX | $85,000 | $1,029 | $680 | $1,580 | $900 |
| Jacinto City, TX | $74,000 | $986 | $650 | $1,520 | $870 |
| Stafford, TX | $165,700 | $954 | $630 | $1,470 | $840 |
Research Home Insurance Companies Reviews in Galveston, TX Before Buying | Back to Top
Share a review on your home insurance company
Allstate Home Insurance Reviews
Date: October 23, 2019 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Premium
From what I've found, the premium is on par with other providers as is the deductible. Theremay be some more affordable budget options but I like the stability of a larger provider.
Date: October 10, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Customer Service
I have had excellent customer service and experience with my current home insurance provider, which is Allstate.We have had a large claim within the last twelve months.
Date: July 29, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Policy Offerings
I really can't compare to other insurance providers. We have only been with Allstate as our home insurance company.
State Farm Home Insurance Reviews
Date: July 03, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Policy Offerings
I believe that State Farm is above and beyond what others provide. Customer service is always there. My agent is close by and always ready and willing to answer any questions.
Date: January 17, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
Premium
Our insurance policy covers up to $50,000 worth of damages. Our deductible is only $500, so that makes it worth it to me. I am not sure how other insurance policies compare.
AAA Home Insurance Reviews
Date: October 30, 2018 Age: Above 60 Gender: Female Marital Status: Unmarried
Premium
it is almost the same amount, the only reason i have not purchased elsewhere is because i would have to give a down payment and right now its seems a bit too high.
Progressive Home Insurance Reviews
Date: September 16, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
When I called them to set up my initial insurance policy the process was very easy. They made it easy to understand and by far were the lowest insurance company I found.
Nationwide Home Insurance Reviews
Date: May 23, 2019 Age: 40 to 49 Gender: Married Marital Status: Female
Premium
I believe that I am getting a good value for my premium and that it is comparable to other providers. I'd prefer to save money but have found no other provider to do so.
Travelers Home Insurance Reviews
Date: February 25, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Premium
I would rate Travelers insurance premium and deductible a 4 overall due to never really being happy with having to spend additional money than what I already have.
Amica Mutual Insurance Home Insurance Reviews
Date: November 03, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Website/App
The website is helpful and has a lot of useful information. I like the using the website if I have some questions about my coverage.
American Strategic Insurance Home Insurance Reviews
Date: November 17, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Policy Offerings
The main option that make my insurance company so attractive is the fact that I have a standard deductible. Most companies in my area have policies that the deductible changes for named storms. I personally feel that that is a rip off and should be illegal. My company has a flat deductible regardless.