Gavop tells you how to get the best homeowners insurance in Rains County, TX by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $47,500 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $132,500 | $110,000 | $150,000-$175,000 |
| 3 Bedroom | $118,000 | $100,000 | $125,000-$150,000 |
| 4 Bedroom | $176,500 | $150,000 | $150,000-$175,000 |
| 5 Bedroom | $306,500 | $250,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$188 | $801 |
| Superior Protection Discount | -$99 | $890 |
| Fire & Security Discount | -$109 | $880 |
| Hail Resistant Roof Discount | -$30 | $959 |
| Newly Constructed Home Discount | -$287 | $702 |
| 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 |
| Rains County | $700 | $977 | $1,677 | $710 | $1,410 | $267 |
| Rains County, TX | $2,000 | $977 | $2,977 | $710 | $2,710 | $267 |
| Van Zandt County, TX | $400 | $1,399 | $1,799 | $1,016 | $1,416 | $382 |
| Canton, TX | $700 | $994 | $1,694 | $723 | $1,423 | $272 |
| Union Valley, TX | $400 | $1,889 | $2,289 | $1,373 | $1,773 | $516 |
| Caddo Mills, TX | $1,000 | $980 | $1,980 | $712 | $1,712 | $268 |
| Commerce, TX | $500 | $1,004 | $1,504 | $730 | $1,230 | $275 |
| Callender Lake, TX | $1,000 | $1,463 | $2,463 | $1,063 | $2,063 | $400 |
| Heath, TX | $500 | $940 | $1,440 | $683 | $1,183 | $257 |
| Northwest Rockwall, TX | $2,500 | $1,499 | $3,999 | $1,089 | $3,589 | $410 |
| Athens, TX | $100 | $965 | $1,065 | $702 | $802 | $264 |
| Mesquite, TX | $2,500 | $1,422 | $3,922 | $1,033 | $3,533 | $389 |
| Home Insurance Company Rains County, TX | Homeowners Insurance Agency Rains County, TX | Address | Popularity Score | Distance from Rains County (miles) |
|---|---|---|---|---|
| Allstate | Christina Adcock | 245 Cedar Sage Dr Ste 230, Garland, TX, 75040 | 47.8 | |
| Travelers | Mullen Insurance Agency Inc | 337 Oaks Trail 200, Garland, TX, 75043 | 45.2 | |
| State Farm | Ranae Candia | 351 N 5th St Ste B, Garland, TX, 75040-6367 | 49.0 | |
| Farmers | Rebecca Dillow | 1903 N Highway 78 Ste B, Wylie, TX, 75098 | 43.3 | |
| Allstate | Jeremy Millar | 514 E Corsicana St Ste B, Athens, TX, 75751 | 46.0 | |
| State Farm | Kay Patel | 4251 E Renner Rd Ste 110, Richardson, TX, 75082-2753 | 50.1 | |
| Farmers | Randy Rhew | 2255 Ridge Rd Ste 218, Rockwall, TX, 75087 | 39.0 | |
| Allstate | Bill Mckee | 2376 Lavon Dr Ste 122, Garland, TX, 75040 | 48.4 | |
| Travelers | Baucom Insurance Services Inc | 122 Main St, Sulphur Springs, TX, 75482 | 21.6 | |
| State Farm | Mike Makara | 828 Belt Line Rd, Garland, TX, 75040-3633 | 49.3 |
| 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 |
| Rains County, TX | $114,000 | $988 | $650 | $1,520 | $870 |
| Rains County, TX | $114,000 | $988 | $650 | $1,520 | $870 |
| Van Zandt County, TX | $112,600 | $1,416 | $930 | $2,180 | $1,250 |
| Canton, TX | $121,400 | $1,007 | $660 | $1,550 | $890 |
| Union Valley, TX | $235,300 | $1,912 | $1,260 | $2,940 | $1,680 |
| Caddo Mills, TX | $161,800 | $992 | $650 | $1,530 | $880 |
| Commerce, TX | $81,800 | $1,017 | $670 | $1,570 | $900 |
| Callender Lake, TX | $91,900 | $1,481 | $980 | $2,280 | $1,300 |
| Heath, TX | $423,400 | $952 | $630 | $1,470 | $840 |
| Northwest Rockwall, TX | $227,900 | $1,517 | $1,000 | $2,340 | $1,340 |
| Athens, TX | $109,500 | $977 | $640 | $1,500 | $860 |
| Mesquite, TX | $119,000 | $1,439 | $950 | $2,220 | $1,270 |