How Can I Make My Bay City, TX Home Insurance Cheaper

Gavop's guide to buying homeowners insurance in Bay City, 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 Bay City, TX Home | Back to Top

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $47,000 $40,000 $25,000-$50,000
2 Bedroom $64,500 $50,000 $50,000-$75,000
3 Bedroom $124,500 $100,000 $125,000-$150,000
4 Bedroom $144,000 $130,000 $125,000-$150,000
5 Bedroom $201,500 $160,000 $175,000-$200,000

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

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Freelancer 650-699 Credit Score <$25,000 No Pets, Smoker $390
Retired Up to 499 Credit Score $25 to 50,000 2 Pets, Smoker $580
Full Time Job 700-749 Credit Score $100 to $150,000 3 Pets, Smoker $250

Choose the Right Deductible for your Bay City, 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 $400 $680 $1,080 $580 $980 $100
Matagorda County, TX $1,000 $470 $970 $400 $1,400 $-430
Bay City, TX $1,000 $410 $910 $330 $1,330 $-420
West Columbia, TX $400 $440 $840 $360 $760 $80
Matagorda-Sargent, TX $1,500 $420 $920 $370 $1,870 $-950
Kendleton, TX $200 $260 $460 $220 $420 $40
Ganado, TX $1,500 $320 $820 $280 $1,780 $-960
Rosenberg-Richmond, TX $100 $650 $750 $540 $640 $110
Brazosport, TX $2,500 $570 $1,070 $470 $2,970 $-1,900
Liverpool, TX $400 $400 $800 $330 $730 $70
Simonton, TX $1,500 $950 $1,450 $780 $2,280 $-830
Alvin, TX $200 $510 $710 $450 $650 $60
Vanderbilt, TX $2,500 $400 $900 $340 $2,840 $-1,940

Identify Top Home Insurance Agents near Bay City, TX | Back to Top

Home Insurance Company Bay City, TX Homeowners Insurance Agency Bay City, TX Address Popularity Score Distance from Bay City (miles)
Nationwide Dagley Insurance And Financial Services Inc 23102 Seven Meadows Pkwy, Katy, TX, 77494
47.9
Farmers Andres F. Alzate 52 Sugar Creek Center Blvd Ste 175, Sugar Land, TX, 77478
44.7
Farmers Terry Masterson 19901 Southwest Fwy Ste 223, Sugar Land, TX, 77479
39.1
Farmers Claudia Aguilar 1107 N Brazosport Blvd, Freeport, TX, 77541
32.3
State Farm Madeline Myloan Nguyen 3414 Highway 6, Sugar Land, TX, 77478-4408
42.8
State Farm Minh Le 9203 Highway 6 S Ste 128, Houston, TX, 77083-6387
47.5
Farmers Michelle Tuan 12603 Southwest Fwy Ste 565, Stafford, TX, 77477
46.3
Farmers John Leblanc 11711 Shadow Creek Pkwy Ste 125, Pearland, TX, 77584
48.6
Farmers Steve Host 201 Jackson St, Richmond, TX, 77469
39.2
Farmers Jeffrey Johnson 77 Sugar Creek Center Blvd Ste 205, Sugar Land, TX, 77478
44.7

Compare Rates for Bay City, 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 $700 $460 $1,080 $620
Matagorda County, TX $90,400 $460 $300 $710 $410
Bay City, TX $93,200 $550 $360 $850 $490
West Columbia, TX $87,500 $420 $280 $650 $370
Matagorda-Sargent, TX $105,300 $580 $380 $890 $510
Kendleton, TX $66,800 $380 $250 $590 $340
Ganado, TX $82,700 $390 $260 $600 $340
Rosenberg-Richmond, TX $151,000 $760 $500 $1,170 $670
Brazosport, TX $106,200 $560 $370 $860 $490
Liverpool, TX $92,500 $510 $340 $790 $450
Simonton, TX $203,500 $830 $550 $1,280 $730
Alvin, TX $110,000 $560 $370 $860 $490
Vanderbilt, TX $76,500 $380 $250 $590 $340

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

Share a review on your home insurance company


Liberty Mutual Home Insurance Reviews

Date: November 28, 2018    Age: 50 to 59    Gender: Female    Marital Status: Unmarried

Policy Offerings
I'm very satisfied with this company. I've compared their coverage and prices to others. Liberty Mutual is always the best value and gives the best coverage..


Date: October 26, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Customer Service
The customer service is fine. I have never had to use them for a claim but based upon any interaction I have had with them, I don't expect there would be any difficulties.

Travelers Home Insurance Reviews

Date: December 24, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Premium
I pay almost half of what my neighbors pay. We have the same house and Im paying much less

Progressive Home Insurance Reviews

Date: February 26, 2019    Age: 20 to 29    Gender: Male    Marital Status: Married

Policy Offerings
My insurance policy covers the general things such as the house and its components, structures on my property and potential lawsuits which are unlikely. As preciously described, I only know about Progressive.