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.

Compare Quotes from Top Providers and Save now!

Are you a home owner?
Yes No
Currently Insured?
Yes No


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

Estimate your Savings with Home Insurance Discounts in Bay City, TX | Back to Top

Type Discount ($) Premium After Discount ($)
Multipolicy Discount -$145 $820
Superior Protection Discount -$96 $868
Fire & Security Discount -$68 $897
Hail Resistant Roof Discount -$19 $946
Newly Constructed Home Discount -$222 $743

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
Matagorda County $1,000 $1,360 $2,360 $988 $1,988 $372
Bay City, TX $1,000 $953 $1,953 $693 $1,693 $261
West Columbia, TX $400 $1,398 $1,798 $1,016 $1,416 $382
Matagorda-Sargent, TX $1,500 $1,596 $3,096 $1,160 $2,660 $436
Kendleton, TX $200 $1,552 $1,752 $1,128 $1,328 $424
Ganado, TX $1,500 $1,480 $2,980 $1,076 $2,576 $404
Rosenberg-Richmond, TX $100 $1,442 $1,542 $1,048 $1,148 $394
Brazosport, TX $2,500 $991 $3,491 $720 $3,220 $271
Liverpool, TX $400 $1,427 $1,827 $1,037 $1,437 $390
Simonton, TX $1,500 $1,930 $3,430 $1,402 $2,902 $527
Alvin, TX $200 $999 $1,199 $726 $926 $273
Vanderbilt, TX $2,500 $1,780 $4,280 $1,294 $3,794 $487

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

Compare Quotes from Top Providers and Save now!

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
Matagorda County, TX $102,200 $1,376 $910 $2,120 $1,210
Bay City, TX $97,500 $965 $640 $1,490 $850
West Columbia, TX $79,000 $1,415 $930 $2,180 $1,250
Matagorda-Sargent, TX $123,300 $1,615 $1,070 $2,490 $1,420
Kendleton, TX $112,000 $1,571 $1,040 $2,420 $1,380
Ganado, TX $95,400 $1,498 $990 $2,310 $1,320
Rosenberg-Richmond, TX $196,000 $1,460 $960 $2,250 $1,290
Brazosport, TX $119,700 $1,003 $660 $1,540 $880
Liverpool, TX $84,400 $1,444 $950 $2,220 $1,270
Simonton, TX $253,200 $1,953 $1,290 $3,010 $1,720
Alvin, TX $123,400 $1,012 $670 $1,560 $890
Vanderbilt, TX $186,300 $1,802 $1,190 $2,780 $1,590

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.