Gavop's guide to buying homeowners insurance in Lavaca County, 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 | $54,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $121,500 | $110,000 | $100,000-$125,000 |
| 3 Bedroom | $182,500 | $160,000 | $125,000-$150,000 |
| 4 Bedroom | $194,000 | $170,000 | $175,000-$200,000 |
| 5 Bedroom | $342,000 | $300,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$134 | $826 |
| Superior Protection Discount | -$96 | $864 |
| Fire & Security Discount | -$96 | $864 |
| Hail Resistant Roof Discount | -$19 | $941 |
| Newly Constructed Home Discount | -$259 | $701 |
| 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 |
| Lavaca County | $1,000 | $949 | $1,949 | $690 | $1,690 | $259 |
| Lavaca County, TX | $2,500 | $949 | $3,449 | $690 | $3,190 | $259 |
| Hallettsville, TX | $200 | $974 | $1,174 | $708 | $908 | $266 |
| Cost-Wrightsboro, TX | $700 | $1,681 | $2,381 | $1,221 | $1,921 | $459 |
| DeWitt County, TX | $400 | $1,044 | $1,444 | $759 | $1,159 | $285 |
| Victoria, TX | $700 | $1,457 | $2,157 | $1,059 | $1,759 | $398 |
| Vanderbilt, TX | $400 | $1,780 | $2,180 | $1,294 | $1,694 | $487 |
| Fayette County, TX | $2,500 | $975 | $3,475 | $708 | $3,208 | $266 |
| Fayetteville, TX | $300 | $1,701 | $2,001 | $1,236 | $1,536 | $465 |
| East Bernard, TX | $2,000 | $935 | $2,935 | $679 | $2,679 | $255 |
| Nixon, TX | $400 | $1,351 | $1,751 | $982 | $1,382 | $369 |
| Placedo, TX | $700 | $1,283 | $1,983 | $933 | $1,633 | $351 |
| Home Insurance Company Lavaca County, TX | Homeowners Insurance Agency Lavaca County, TX | Address | Popularity Score | Distance from Lavaca County (miles) |
|---|---|---|---|---|
| Farmers | Cody Edwards | 3606 John Stockbauer Dr, Victoria, TX, 77904 | 36.9 | |
| Farmers | Tommy Thomas | 140 W Milam St, Wharton, TX, 77488 | 49.9 | |
| State Farm | Shannon Haskell | 204 E 4th St, Hallettsville, TX, 77964-2820 | 4.4 | |
| Liberty Mutual Independent | Carter & Company Llp | Po Box 672, Luling, TX, 78648 | 48.2 | |
| Liberty Mutual Independent | Carter & Company Llp | 522 E Crockett St, Luling, TX, 78648 | 48.3 | |
| Travelers | Leopold Insurance Agency | 900 N Texana St, Hallettsville, TX, 77964 | 4.9 | |
| Allstate | Hollas-Duncan Insurance Agency | 1033 N Us Highway 77, Schulenburg, TX, 78956 | 21.8 | |
| Travelers | The Baumgart Agencies | 205 E Main, Eagle Lake, TX, 77434 | 38.3 | |
| State Farm | Ken Kram | 401 E Saint Charles St, Weimar, TX, 78962-2526 | 23.5 | |
| Allstate | Assurance One Of Tx | 114 W Main St # 808, Edna, TX, 77957 | 32.5 |
| 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 |
| Lavaca County, TX | $143,300 | $960 | $630 | $1,480 | $850 |
| Lavaca County, TX | $143,300 | $960 | $630 | $1,480 | $850 |
| Hallettsville, TX | $158,200 | $986 | $650 | $1,520 | $870 |
| Cost-Wrightsboro, TX | $148,800 | $1,701 | $1,120 | $2,620 | $1,500 |
| DeWitt County, TX | $100,000 | $1,056 | $700 | $1,630 | $930 |
| Victoria, TX | $129,900 | $1,475 | $970 | $2,270 | $1,300 |
| Vanderbilt, TX | $186,300 | $1,802 | $1,190 | $2,780 | $1,590 |
| Fayette County, TX | $158,700 | $987 | $650 | $1,520 | $870 |
| Fayetteville, TX | $155,900 | $1,722 | $1,140 | $2,650 | $1,510 |
| East Bernard, TX | $135,700 | $946 | $620 | $1,460 | $840 |
| Nixon, TX | $70,500 | $1,367 | $900 | $2,110 | $1,210 |
| Placedo, TX | $59,200 | $1,299 | $860 | $2,000 | $1,140 |