How Can I Make My Pharr, TX Home Insurance Cheaper

Gavop tells you how to get the best homeowners insurance in McAllen-Pharr, TX by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.

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Select the Suitable Coverage Value for your Pharr, TX Home | Back to Top

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $25,500 $20,000 $0-$25,000
2 Bedroom $55,000 $50,000 $50,000-$75,000
3 Bedroom $110,500 $100,000 $100,000-$125,000
4 Bedroom $118,500 $110,000 $100,000-$125,000
5 Bedroom $236,500 $220,000 $200,000-$250,000

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

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Full Time Job 800-850 Credit Score $25 to 50,000 More than 3 Pets at home, Non-Smoker $240
Freelancer 500-549 Credit Score $100 to $150,000 No Pets, Smoker $750
Part Time Job 550-599 Credit Score $25 to 50,000 1 Pet, Smoker $500

Choose the Right Deductible for your Pharr, 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 $690 $1,090 $560 $960 $130
Hidalgo County, TX $700 $400 $900 $320 $1,020 $-120
Pharr, TX $2,500 $390 $890 $330 $2,830 $-1,940
La Feria North, TX $100 $710 $810 $570 $670 $140
Bluetown, TX $2,500 $230 $730 $190 $2,690 $-1,960
Juarez, TX $500 $220 $720 $190 $690 $30
Harlingen, TX $700 $340 $840 $300 $1,000 $-160
Arroyo Colorado Estates, TX $300 $150 $450 $120 $420 $30
La Escondida, TX $700 $410 $910 $340 $1,040 $-130

Identify Top Home Insurance Agents near Pharr, TX | Back to Top

Home Insurance Company Pharr, TX Homeowners Insurance Agency Pharr, TX Address Popularity Score Distance from Pharr (miles)
State Farm Christina Salas 3611 N Ware Rd, Mcallen, TX, 78501-3304
5.9
Travelers Shepard Walton King 121 Pecan Blvd, Mcallen, TX, 78501
3.3
Farmers Robert Garza 1109 W Nolana Ave Ste 101, Mcallen, TX, 78504
5.0
Farmers Dalia Garcia 3322 S Bus Hwy 281, Edinburg, TX, 78539
8.1
Liberty Mutual Independent Mission Duncan Insurance Agency 220 E Tom Landry St, Mission, TX, 78572
8.3
State Farm John Ftacek 101 South Main St, La Feria, TX, 78559-5006
23.4
Travelers Greer & Associates Inc 1271 N Stuart Place Rd, Harlingen, TX, 78552
27.5
Farmers Michael Camargo 5500 N Mccoll Rd Unit B1, Mcallen, TX, 78504
5.4
Travelers Bert Whisenant Insurance 14 E Levee St, Brownsville, TX, 78520
46.7
Farmers Eddie Villarreal 2167 S Mccoll Rd, Edinburg, TX, 78539
8.1

Compare Rates for Pharr, 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 $128,000 $740 $490 $1,140 $650
Hidalgo County, TX $76,900 $380 $250 $590 $340
Pharr, TX $82,800 $420 $280 $650 $370
La Feria North, TX $158,900 $910 $600 $1,400 $800
Bluetown, TX $57,000 $270 $180 $420 $240
Juarez, TX $48,300 $230 $150 $350 $200
Harlingen, TX $77,700 $350 $230 $540 $310
Arroyo Colorado Estates, TX $39,100 $160 $110 $250 $140
La Escondida, TX $97,300 $570 $380 $880 $500

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

Share a review on your home insurance company


State Farm Home Insurance Reviews

Date: February 12, 2019    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Premium
For the coverage I have, I feel that my premium and deductible are average. When I made my claim last year, I received a check which already subtracted my deductible.

Date: December 08, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Premium
We compared prices and this policy was definitely our most reasonable option for the coverage. I think our deductible is relatively low. I know it's lower than our health insurance deductible!

Date: November 08, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Policy Offerings
My home and cars and contents of my home are all covered in my home policy offerings by my insurance provider.


Date: October 03, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Communication
State Farm sent out a followup inspection and has called to make sure we were being taken care of in regards to fixing our bathroom.

Date: September 21, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Website/App
I like that I can see the policy declarations pages, how much coverage I have and what the cost is. I also like that I can track any claims or see the history of claims. I also like the color schemes, making it somewhat easy to navigate the site.

Date: September 13, 2018    Age: 50 to 59    Gender: Male    Marital Status: Unmarried

Customer Service
I have had only one instance of customer service and that was to visit an office concerning flood coverage. The representative was very polite and went over coverage and exclusions.

Date: September 05, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Policy Offerings
Covers replacement of home if destroyed, partial coverage for certain damages if part of the home is damaged. Pays for someone who gets hurt on the property, up to $100,000 for contents damaged or stolen.


Date: September 01, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Website/App
I like the ease of use and the accessibility of their own app and their website. I have not had any issues with either the website or app.

Date: August 25, 2018    Age: 50 to 59    Gender: Male    Marital Status: Married

Customer Service
Service has been great! We had a pipe leak that did some damage to the bathroom and they were quick to come out and inspect and pay for the damage.

Date: August 12, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Premium
I am not aware of premiums offered by other insurance companies. It's one of those things that you know you have coverage and you move on. I hadn't thought about looking into a different company.

Date: August 08, 2018    Age: 50 to 59    Gender: Male    Marital Status: Married

Communication
I liked the one interaction I have had with the company mentioned above where I went into an office location and spoke to them about flood insurance. Other than that, I don't hear from them and they don't hear from me.

Date: June 15, 2018    Age: Above 60    Gender: Male    Marital Status: Unmarried

Policy Offerings
coverage includes damage to home, but not to screened porch. Sink hole damage and dwelling flooding damage from pipes but no external flood damage coverage.


Date: June 08, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Premium
I was able to bundle my house insurance with my car insurance and this brought down my premium. Living in Florida, premiums are high so it was nice to be able to save some money with this company.

Westfield Insurance Home Insurance Reviews

Date: September 26, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Premium
I am not sure about other insurance companies. We had a friend who was working for IMT and we went through him. It may cost more or less but we know we can always ask him questions at any point which gained our trust.

Date: September 15, 2018    Age: Above 60    Gender: Male    Marital Status: Married

Website/App
I like how I can give them a call at any time and they will either talk with me over the phone or will be willing to meet in person to discuss any questions I may have.

Date: September 01, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Policy Offerings
My coverage pays for home and auto. It will pay for any damaged which may occur to the home or both our vehicles.


Date: August 22, 2018    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Communication
Good as well. If we ever needed anything, he would talk to both of us on the phone or he would even come to our house.

Date: August 01, 2018    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Customer Service
I like it a lot. Again, since we have a friend in the company it makes it extremely easy for me to interact with him to make sure we are getting everything taken care of.

Allstate Home Insurance Reviews

Date: January 02, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Customer Service
We recently purchased another home out of state, and tried to expand our existing insurance coverage to cover it. We were denied due to events that happened several years ago, longer ago than we were led to believe would have impact on coverage or eligibility. This made us need to shop around quickly to find alternate coverage to satisfy underwriting with our lender. More transparency about our coverage would have helped us navigate our options better up front.

Date: November 27, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Premium
Got very good offer on the insurance package. Premium amount is about 5 - 8 % less as compared to other home insurance policies with same coverage.

Alfa Insurance Home Insurance Reviews

Date: December 27, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Policy Offerings
I have not seen any reason to change insurers. I believe that insurance is largely commoditized with the exception of potential riders that may apply such as personal injury protection versus bodily injury protection and the like.


Travelers Home Insurance Reviews

Date: December 30, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Policy Offerings
They will protect my basement if the sump pump spills out water. This is comforting to know