How Can I Make My McAllen, TX Home Insurance Cheaper

Gavop tells you how to get the best homeowners insurance in McAllen, 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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Estimate your McAllen, TX Home Insurance Premium by Construction Year | Back to Top

Rank Place Number of Homes Built between 1980 to 1989 Insurance on Homes Built between 1980 to 1989 Number of Homes Built 1939 or earlier Insurance on Homes Built 1939 or earlier
1 San Manuel 29 $557 58 $671
2 Lasara 50 $325 12 $392
3 Hargill 58 $597 15 $719
4 Lyford 167 $328 82 $395
5 Los Fresnos 186 $871 28 $1049
6 Primera 246 $652 20 $785
7 Alamo 255 $380 23 $458
8 Mila Doce 314 $436 35 $525
9 Combes 346 $636 43 $765
10 Progreso 479 $548 43 $660

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

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Retired 700-749 Credit Score $25 to 50,000 1 Pet, Smoker $390
Part Time Job 600-649 Credit Score $25 to 50,000 3 Pets, Smoker $130
Unemployed 800-850 Credit Score <$25,000 More than 3 Pets at home, Smoker $1,430

Choose the Right Deductible for your McAllen, 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 $560 $960 $480 $880 $80
Hidalgo County, TX $2,500 $400 $900 $340 $2,840 $-1,940
McAllen, TX $700 $410 $910 $360 $1,060 $-150
McAllen-Pharr, TX $300 $320 $620 $270 $570 $50
Donna, TX $1,000 $190 $690 $170 $1,170 $-480
Scissors, TX $100 $280 $380 $230 $330 $50
Progreso Lakes, TX $1,000 $1,050 $1,550 $900 $1,900 $-350
La Feria North, TX $200 $610 $810 $520 $720 $90
Lasara, TX $700 $230 $730 $180 $880 $-150
El Rancho Vela, TX $500 $450 $950 $390 $890 $60
Rancho Viejo, TX $1,500 $930 $1,430 $780 $2,280 $-850
Rivera, TX $300 $80 $380 $60 $360 $20

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

Home Insurance Company McAllen, TX Homeowners Insurance Agency McAllen, TX Address Popularity Score Distance from McAllen (miles)
Farmers Delma Ramirez 1703 W Owassa Rd Ste 7, Edinburg, TX, 78539
4.1
Farmers Sandra Smith 2205 N Sugar Rd, Pharr, TX, 78577
3.3
Farmers Martha Rebeles 440 W Hidalgo Ave, Raymondville, TX, 78580
33.8
Farmers Jerry Molina 5401 N 10th St Ste 113, Mcallen, TX, 78504
2.8
Farmers Eusebio Ponce 4010 N Conway Ave Ste 3, Palmhurst, TX, 78573
7.0
Farmers Nora Pena 1000 Whitewing Ave, Mcallen, TX, 78501
1.4
Travelers Nia Insurance Agency 123 N International Ste G, Hidalgo, TX, 78557
7.6
State Farm James Newman 903 Pecan Blvd, Mcallen, TX, 78501-2419
1.2
Travelers Sandra Zamora 2013 North Conway Ave, Mission, TX, 78572
4.9
Farmers Jose Contreras 4006 N 22nd St, Mcallen, TX, 78504
1.7

Compare Rates for McAllen, 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 $610 $400 $940 $540
Hidalgo County, TX $76,900 $360 $240 $550 $310
McAllen, TX $107,900 $430 $280 $660 $380
McAllen-Pharr, TX $82,800 $340 $220 $520 $300
Donna, TX $53,700 $240 $160 $370 $210
Scissors, TX $52,700 $280 $180 $430 $250
Progreso Lakes, TX $220,300 $1,170 $770 $1,800 $1,030
La Feria North, TX $158,900 $790 $520 $1,220 $700
Lasara, TX $43,900 $180 $120 $280 $160
El Rancho Vela, TX $86,700 $360 $240 $550 $310
Rancho Viejo, TX $184,500 $940 $620 $1,450 $830
Rivera, TX $18,300 $110 $70 $170 $100

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

Share a review on your home insurance company


State Farm Home Insurance Reviews

Date: March 27, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
State Farm customer service gets rated a 5 because they are very consistent, they helped us when we had a flood and they call to check on us.

Date: January 22, 2019    Age: 40 to 49    Gender: Female    Marital Status: Unmarried

Policy Offerings
The company I use has everything from auto to life insurance. You can even bank with the insurance company. I currently have two auto polices, renters insurance and a universal life policy.


Date: January 17, 2019    Age: 20 to 29    Gender: Female    Marital Status: Married

Policy Offerings
The policies State Farm offers are competitive in price and usually cover more than other insurance companies I've looked into.


Date: December 03, 2018    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Policy Offerings
Their policies have a wide variety of degrees to choose from. There is a plan tailored for everybody and depending on where you live they adjust disaster insurance to accommodate your needs. It is good to have for reassurance.


Date: October 22, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Website/App
It does not have an interactive element. There is a contact section, but it directs me to email my representative. I would rather have some kind of chat option.

Date: September 27, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Premium
We really went with this particular insurance coverage because we trusted the person who sold it to us. He is a friend of ours and a friend of a friend we trust. The rates seemed to be similar at the time but I think we got more coverage, Either way, we are pleased.

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

Customer Service
I don't have any experience with the customer service so far. But the few times I have called, they have been very helpful and attentive.

Date: September 07, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
We have a very good policy and most everything is covered. If we have damage from mold or anything that needs to be fixed, that's fine, and if we have a flood, whether natural or mechanical, that's paid for, too.


Date: September 03, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
It's pretty in line with other insurance companies. I couldn't find any that had a much lower premium than the others, but there were some that were much higher. So I am decently satisfied with the current rate.

Date: August 13, 2018    Age: Above 60    Gender: Female    Marital Status: Married

Communication
I am slightly bothered by the amount of time I wait on hold on the telephone when I have to call the corporate office, but most often the actual people with whom I interact at the local office take care of that for me, which is very nice.

Date: August 10, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Website/App
It's great for ease of use and is organized well. It doesn't always run very smoothly. Can get clunky at times. That gets pretty annoying when trying to look up information. I haven't had to make a claim yet so I don't know how that online process is.

Date: August 02, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
Damage to the house and any structures, the shed in the back, plumbing, etc. Pays for loss of use and medical payments.


Date: July 31, 2018    Age: 40 to 49    Gender: Female    Marital Status: Unmarried

Website/App
We don't use the app very often, but what we like most about the app is that it lets us switch between policies easily. We can access our homeowner's policy and our car policies with ease and even though we don't use often, it is very convenient to have that option. We are also able to contact our insurance person directly through the app, which is also nice.

Date: July 31, 2018    Age: 50 to 59    Gender: Male    Marital Status: Unmarried

Customer Service
We like that there is a local office and that we have easy contact with the people we actually know there. We can call, text or email and they are very responsive and if we see them around town, they've always been helpful.

Date: November 18, 2017    Age: 30 to 39    Gender: Male    Marital Status: Married

Communication
Again, I haven't had a lot of communication, but any time there is something that I need to be informed of, they mail it out or send an email out immediately. And any time I've called, they have answered in a timely manner.

Nationwide Home Insurance Reviews

Date: September 29, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Communication
I haven't had to interact with the company much but when I have the staff has been very knowledgeable and helpful.

Date: September 15, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Policy Offerings
Insurance provides for loss of dwelling, contents and external features such as sheds, fences etc. Also covers living expenses in the event that I cannot stay in my home during repairs. Also covers some medical expenses.


Date: August 22, 2018    Age: 50 to 59    Gender: Female    Marital Status: Married

Premium
Unfortunately, I have not considered switching companies until recently. My premium has gone up steadily for the past couple of years. I cannot really compare to anyone else because I have not looked.

Date: August 22, 2018    Age: Above 60    Gender: Female    Marital Status: Married

Website/App
I like the nationwide website. It is easy to navigate, view policy documents and overview coverage that I have. It also seems secure and it's easy to change policy information and coverage. Easy to set up automatic payments and make payments through the website.

Date: December 28, 2017    Age: 50 to 59    Gender: Female    Marital Status: Married

Customer Service
Anytime I have had to deal with anyone from Nationwide it has been a pleasant experience. I've never been left hanging or not knowing where we stand. All the staff seems to be very knowledgeable.

Allstate Home Insurance Reviews

Date: October 05, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Policy Offerings
Got the premium package, covers about everything possible that can go wrong. I have protection against disasters that my house could go through and protection for people inside it.


Date: September 22, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Communication
The company communicates with me occasionally, and mostly in the form of email or physical mail. They have never directly communicated through a phone call, which I appreciate. The mail isn't personally targeted but seemed to be a more general mass approach.

Date: August 25, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Website/App
The Allstate website is overall usable but it is very attention grabby even for regular users, there are prompts to get insurance very often. The landing page locks you out from doing much since its sole intention is to get you to get a quote.

Date: August 17, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
Customer Service is excellent, I've had two experiences with it. The first is when I first got the coverage, the agent that helped me was willing to work with me through all the lingo and paperwork(albeit they were trying to get me to buy). The second was when there was an incorrect charge, I called them and the customer service rep resolved it in a reasonable manner.

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

Premium
The price is about average after doing some research, but I would always be open to getting that premium lowered. I've talked to friends who have had lower premiums over the years.

Safeco Insurance Home Insurance Reviews

Date: September 04, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
I have been generally pretty satisfied with my company's level of customer service.

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

Policy Offerings
my personal possessions - guitar, computers, tv, washer, and dryer - are all covered by my insurance.


Date: August 10, 2018    Age: 50 to 59    Gender: Female    Marital Status: Married

Premium
I did not comparison shop when getting my insurance. It is bundled with my auto insurance.

Date: August 09, 2018    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Website/App
it's useful in that I do not have to log on to my laptop to access my policy or make payments or otherwise manage my account.

Date: November 18, 2017    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Communication
I have no complaints about my insurer's communication style. I get emails whenever something needs my attention.

AGI Insurance Group Home Insurance Reviews

Date: November 26, 2018    Age: Above 60    Gender: Male    Marital Status: Married

Premium
The premium rate for our bar and enclosed dwelling is 400.00 per year. We cover the building costs of the barn and a 600 sq ft dwelling. The price is great when compared to other companies.

Farmer's Insurance Home Insurance Reviews

Date: February 06, 2019    Age: 40 to 49    Gender: Female    Marital Status: Married

Premium
It is the same everywhere you go. the grass always looks greener on the other side.