Gavop's guide to buying homeowners insurance in Commerce, 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.
| Commerce, TX - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| State Hwy 24 Bus, Culver St, County Line Rd, Morse St, State Loop 178, Co Rd 4605, State Hwy 24 Bus, Co Rd 4514, Branding Iron, Co Rd 4601 | $151,000 | $140,000 | $150,000-$175,000 | $128,500 | $120,000 | $150,000-$175,000 |
| Walnut St, Co Rd 4804, FM 1532, Co Rd 4604, Co Rd 4713, Brookhaven Ter, Spruce St, Co Rd 4506, Knight St, Faye | $151,000 | $130,000 | $150,000-$175,000 | $132,000 | $110,000 | $150,000-$175,000 |
| Co Rd 4606, Co Rd 4715, Dixie St, Monroe St, Woodglen Dr, Aldridge St, Co Rd 4409, Earl St, Meadowview Rd, Co Rd 4915 | $82,000 | $70,000 | $50,000-$75,000 | $74,000 | $70,000 | $50,000-$75,000 |
| Co Rd 4608, Co Rd 4511, Co Rd 4503, Earl St, Norris St, Windy Dr, 4th St, Maple St, Co Rd 4730, Mc Whiter Dr | $110,500 | $90,000 | $75,000-$100,000 | $94,000 | $80,000 | $100,000-$125,000 |
| Johnson St, Co Rd 4702, State Loop 178, Co Rd 4900, Co Rd 4807, FM 904, Jefferson St, Lilly Dr, Blackburn St, Hickory St | $110,000 | $100,000 | $100,000-$125,000 | $55,000 | $50,000 | $25,000-$50,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$163 | $854 |
| Superior Protection Discount | -$102 | $915 |
| Fire & Security Discount | -$92 | $925 |
| Hail Resistant Roof Discount | -$20 | $996 |
| Newly Constructed Home Discount | -$244 | $773 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,733 |
| Physical Damage | $2,392 |
| Hail Damage | $4,476 |
| Wind Damage | $6,242 |
| Expensive Claims | |
| Fire | $43,336 |
| Smoke | $17,054 |
| Home Insurance Company Commerce, TX | Homeowners Insurance Agency Commerce, TX | Address | Popularity Score | Distance from Commerce (miles) |
|---|---|---|---|---|
| Travelers | Alpha Omega Insurance Agency | 3131 Custer Ste 275, Plano, TX, 75075 | 49.2 | |
| State Farm | Michael Johnson | 5005 Mckiny Rch Pkwy Ste 230, Mckinney, TX, 75070-6866 | 43.9 | |
| State Farm | Kay Patel | 4251 E Renner Rd Ste 110, Richardson, TX, 75082-2753 | 45.5 | |
| State Farm | Kyle Bradshaw | 4750 N Jupiter Rd Ste 224, Garland, TX, 75044-5861 | 48.9 | |
| State Farm | Chris Lair | 125 S Main St, Farmersville, TX, 75442-2207 | 26.0 | |
| State Farm | Courtney Mcmanis | 915 W Exchange Pkwy Ste 250, Allen, TX, 75013-7079 | 44.4 | |
| State Farm | Mike Makara | 828 Belt Line Rd, Garland, TX, 75040-3633 | 47.4 | |
| Liberty Mutual Independent | Davis-Dyer-Max Inc | 3200 Broadway Blvd Ste 400, Garland, TX, 75043 | 48.9 | |
| State Farm | Amie Kurtenbach | 2901 W Fm 544 Ste 150, Wylie, TX, 75098-7056 | 42.3 | |
| Allstate | John Pavle | 1333 W Mcdermott Dr Ste 185, Allen, TX, 75013 | 46.0 |
| 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 |
| Hunt County, TX | $105,000 | $1,387 | $920 | $2,140 | $1,220 |
| Commerce, TX | $81,800 | $1,017 | $670 | $1,570 | $900 |
| Cumby, TX | $111,400 | $1,569 | $1,040 | $2,420 | $1,380 |
| Howland, TX | $83,300 | $1,438 | $950 | $2,210 | $1,260 |
| West Tawakoni, TX | $55,300 | $1,274 | $840 | $1,960 | $1,120 |
| Emory, TX | $123,100 | $1,010 | $670 | $1,560 | $890 |
| Yantis, TX | $75,000 | $1,393 | $920 | $2,150 | $1,230 |
| Fate, TX | $210,400 | $1,012 | $670 | $1,560 | $890 |
| Franklin County, TX | $130,300 | $936 | $620 | $1,440 | $820 |
| Allen, TX | $261,600 | $1,332 | $880 | $2,050 | $1,170 |
| Southmayd, TX | $56,500 | $1,281 | $850 | $1,970 | $1,120 |