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.

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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

Choose the Best Galveston, TX Home Insurance Premium for your Background | Back to Top

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Retired Up to 499 Credit Score No Income 3 Pets, Non-Smoker $890
Unemployed 650-699 Credit Score <$25,000 2 Pets, Smoker $100
Full Time Job 550-599 Credit Score >$150,000 1 Pet, Non-Smoker $910

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
Texas $100 $670 $770 $560 $660 $110
Galveston County, TX $700 $770 $1,270 $620 $1,320 $-50
Galveston, TX $1,000 $510 $1,010 $450 $1,450 $-440
Galveston, TX $100 $610 $710 $510 $610 $100
Kemah, TX $700 $810 $1,310 $660 $1,360 $-50
La Porte, TX $100 $640 $740 $540 $640 $100
Brazoria County, TX $1,500 $720 $1,220 $600 $2,100 $-880
Rosharon, TX $300 $430 $730 $360 $660 $70
Iowa Colony, TX $2,500 $520 $1,020 $450 $2,950 $-1,930
Brookside Village, TX $200 $750 $950 $640 $840 $110
South Houston, TX $1,000 $390 $890 $320 $1,320 $-430
Jacinto City, TX $400 $350 $750 $300 $700 $50
Stafford, TX $1,500 $560 $1,060 $480 $1,980 $-920

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

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Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
Texas $128,000 $540 $360 $830 $470
Galveston County, TX $146,700 $590 $390 $910 $520
Galveston, TX $137,300 $770 $510 $1,190 $680
Galveston, TX $137,300 $670 $440 $1,030 $590
Kemah, TX $148,800 $820 $540 $1,260 $720
La Porte, TX $119,600 $680 $450 $1,050 $600
Brazoria County, TX $147,300 $770 $510 $1,190 $680
Rosharon, TX $85,900 $490 $320 $750 $430
Iowa Colony, TX $131,900 $610 $400 $940 $540
Brookside Village, TX $152,000 $680 $450 $1,050 $600
South Houston, TX $83,500 $420 $280 $650 $370
Jacinto City, TX $80,100 $380 $250 $590 $340
Stafford, TX $151,900 $810 $530 $1,250 $720

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

Share a review on your 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.

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.

Allstate Home Insurance Reviews

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.


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.

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.


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.

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