Gavop's guide to buying homeowners insurance in Elgin, 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $52,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $124,000 | $110,000 | $125,000-$150,000 |
| 3 Bedroom | $122,500 | $100,000 | $100,000-$125,000 |
| 4 Bedroom | $141,000 | $130,000 | $150,000-$175,000 |
| 5 Bedroom | $157,000 | $140,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$152 | $798 |
| Superior Protection Discount | -$86 | $865 |
| Fire & Security Discount | -$76 | $874 |
| Hail Resistant Roof Discount | -$19 | $931 |
| Newly Constructed Home Discount | -$219 | $732 |
| 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 |
| Bastrop County | $1,000 | $1,365 | $2,365 | $992 | $1,992 | $373 |
| Elgin, TX | $1,000 | $939 | $1,939 | $682 | $1,682 | $257 |
| Cedar Creek-Red Rock, TX | $200 | $955 | $1,155 | $694 | $894 | $261 |
| Pflugerville, TX | $2,000 | $1,224 | $3,224 | $889 | $2,889 | $334 |
| Round Rock, TX | $100 | $1,239 | $1,339 | $900 | $1,000 | $339 |
| Giddings, TX | $2,000 | $990 | $2,990 | $720 | $2,720 | $271 |
| West Lake Hills, TX | $300 | $989 | $1,289 | $719 | $1,019 | $270 |
| Shady Hollow, TX | $1,500 | $1,117 | $2,617 | $812 | $2,312 | $305 |
| Carmine, TX | $300 | $1,627 | $1,927 | $1,183 | $1,483 | $445 |
| Burleson County, TX | $2,500 | $959 | $3,459 | $697 | $3,197 | $262 |
| Schulenburg, TX | $100 | $1,625 | $1,725 | $1,181 | $1,281 | $444 |
| Cooks Point, TX | $1,500 | $1,743 | $3,243 | $1,267 | $2,767 | $476 |
| Home Insurance Company Elgin, TX | Homeowners Insurance Agency Elgin, TX | Address | Popularity Score | Distance from Elgin (miles) |
|---|---|---|---|---|
| Farmers | Nancy Kuznieski | 2312 Western Trails Blvd Ste 102b, Austin, TX, 78745 | 27.1 | |
| State Farm | Jeff Coleman | 111 E Main St, Pflugerville, TX, 78660-2733 | 19.1 | |
| Farmers | Jason Eiser | 102 Main St, Buda, TX, 78610 | 31.5 | |
| State Farm | Josh Tollett | 107 Ranch Road 620 S Ste 104, Lakeway, TX, 78734-3901 | 36.4 | |
| Farmers | Julie Nguyen | 1006 E Yager Ln Ste 202b, Austin, TX, 78753 | 19.8 | |
| State Farm | Mark Handley | 800 W Hwy 290, Dripping Springs, TX, 78620-4191 | 45.5 | |
| Travelers | Bria Insurance & Risk Consultants | 9015 Mountain Ridge Dr Ste 350, Austin, TX, 78759 | 25.1 | |
| State Farm | Hank Gerdes | 610 Main St Ste 1, Buda, TX, 78610-9464 | 32.7 | |
| State Farm | Brandy Whiteside | 3601 W Wm Cannon Dr Ste 100, Austin, TX, 78749-1545 | 29.5 | |
| Travelers | Bradley & Bradley Insurance Agency | 109 Polk, Kyle, TX, 78640 | 37.0 |
| 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 |
| Bastrop County, TX | $150,300 | $1,382 | $910 | $2,130 | $1,220 |
| Elgin, TX | $137,700 | $950 | $630 | $1,460 | $830 |
| Cedar Creek-Red Rock, TX | $146,900 | $967 | $640 | $1,490 | $850 |
| Pflugerville, TX | $200,600 | $1,239 | $820 | $1,910 | $1,090 |
| Round Rock, TX | $210,800 | $1,254 | $830 | $1,930 | $1,100 |
| Giddings, TX | $119,500 | $1,002 | $660 | $1,540 | $880 |
| West Lake Hills, TX | $865,300 | $1,001 | $660 | $1,540 | $880 |
| Shady Hollow, TX | $334,300 | $1,130 | $750 | $1,740 | $990 |
| Carmine, TX | $132,100 | $1,647 | $1,090 | $2,540 | $1,450 |
| Burleson County, TX | $99,500 | $971 | $640 | $1,490 | $850 |
| Schulenburg, TX | $131,600 | $1,645 | $1,090 | $2,530 | $1,440 |
| Cooks Point, TX | $171,000 | $1,764 | $1,160 | $2,720 | $1,560 |