How Can I Make My Wichita Falls, TX Home Insurance Cheaper

Gavop tells you how to get the best homeowners insurance in Wichita Falls, 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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Select the Suitable Coverage Value for your Wichita Falls, TX Home | Back to Top

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $46,000 $40,000 $25,000-$50,000
2 Bedroom $119,500 $100,000 $125,000-$150,000
3 Bedroom $98,500 $80,000 $75,000-$100,000
4 Bedroom $189,000 $160,000 $200,000-$250,000
5 Bedroom $113,500 $110,000 $100,000-$125,000

Estimate your Savings with Home Insurance Discounts in Wichita Falls, TX | Back to Top

Type Discount ($) Premium After Discount ($)
Multipolicy Discount -$231 $1,129
Superior Protection Discount -$136 $1,224
Fire & Security Discount -$109 $1,251
Hail Resistant Roof Discount -$41 $1,319
Newly Constructed Home Discount -$313 $1,047

Choose your Wichita Falls, TX Home Insurance Coverage for your Specific Claim Requirement | Back to Top

Claim Type Average Claim Cost
General Claims
Water Damage $6,156
Physical Damage $2,464
Hail Damage $4,900
Wind Damage $6,433
Expensive Claims
Fire $45,123
Smoke $16,386

Identify Top Home Insurance Agents near Wichita Falls, TX | Back to Top

Home Insurance Company Wichita Falls, TX Homeowners Insurance Agency Wichita Falls, TX Address Popularity Score Distance from Wichita Falls (miles)
State Farm Morris Stone 2106 9th St # B, Wichita Falls, TX, 76301-4134
2.4
Farmers Kyle Reynolds 113 Cooke St, Nocona, TX, 76255
48.0
State Farm Tim Short 2608 Kemp Blvd, Wichita Falls, TX, 76309-5351
2.9
Travelers Henry Insurance Agency 106 W Tarrant St, Bowie, TX, 76230
47.4
Farmers Brian Anderle 1501 Midwestern Pkwy Ste 104, Wichita Falls, TX, 76302
4.4
State Farm Cheryl Botkin 2925 Southwest Pkwy, Wichita Falls, TX, 76308-4100
4.8
Farmers Jim Potts 3917field Rd # A, Wichita Falls, TX, 76308
3.8
State Farm Jeff Rhoades 118 West Park, Iowa Park, TX, 76367-2805
7.3
State Farm Tracey Denson 2207 Brook Ave Ste A, Wichita Falls, TX, 76301-6139
3.3
Travelers Holub Insurance Agency 4001 Featherston Ave, Wichita Falls, TX, 76308
4.0

Compare Rates for Wichita Falls, TX Home Insurance Providers | Back to Top

Compare Quotes from Top Providers and Save now!

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
Wichita County, TX $93,200 $1,338 $880 $2,060 $1,180
Wichita Falls, TX $98,100 $1,360 $900 $2,090 $1,190
Holliday, TX $148,700 $970 $640 $1,490 $850
Archer City, TX $89,900 $1,471 $970 $2,270 $1,300
Bellevue, TX $66,500 $1,344 $890 $2,070 $1,180
South Jefferson, OK $53,400 $872 $600 $1,230 $630
Geronimo, OK $76,500 $1,083 $750 $1,540 $790
Baylor County, TX $67,200 $958 $630 $1,480 $850
Vernon, TX $67,900 $961 $630 $1,480 $850
Empire City, OK $108,700 $1,355 $910 $1,920 $1,010
Meridian, OK $79,400 $1,109 $750 $1,570 $820

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

Share a review on your home insurance company


Liberty Mutual Home Insurance Reviews

Date: December 31, 2019    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Policy Offerings
I have not had any interaction negative or positive with my home insurance, I would defer to a positive outcome because no hassle becomes good news for myself.


Date: September 04, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Policy Offerings
My home insurance policy covers about the same as my previous policy. The difference is the pricing. My current home insurance company saves me about one hundred dollars every month.


Date: April 21, 2019    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Policy Offerings
They seem to offer the standard policies that most companies do. I bundle my auto and home so I just went with that company without looking much.


Date: April 19, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
The premium and deductible can range each year which makes it dificult. I"ve shopped around for other insursance policies just because of this. I"ve switched back and forth over the years to keep a low price.

Date: March 08, 2019    Age: 50 to 59    Gender: Female    Marital Status: Married

Premium
We have a very reasonable premium on our policy because we bundle it with our auto insurance. We do have a fairly high deductible but that is by our choice.

Date: October 04, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Communication
I have not had to communicate with them other than when I bought the insurance which was last year. That experience was great and they were very helpful.

Date: September 28, 2018    Age: 50 to 59    Gender: Female    Marital Status: Married

Customer Service
I have not used customer service, I do everything I need to do online.

Date: August 16, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Website/App
I like the companies website but it is confusing because I purchased the insurance from Geico but it was through Liberty Mutual so the website is a Geico website.

Date: August 09, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
The house is covered should any damage happen to it other than flooding


Date: May 12, 2018    Age: Above 60    Gender: Male    Marital Status: Married

Premium
The same coverage was quoted to cost more than this policy which is why I chose this one

GEICO Home Insurance Reviews

Date: July 30, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Policy Offerings
I am not totally sure. We chose it because it was the cheapest. I wouldn't have home insurance if was up to me. So, as far as that benefit goes I guess it is fine.


Date: December 01, 2018    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Premium
i think it is a bit pricey for something that i will probably never have to use. i keep paying just in case i ever do need it.

Date: September 18, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Communication
They answer the phone promptly and with a lot of detail and care and they seem to actually be interested in answering my thoughts and concerns that I bring up especially about the premium I am charged,

Date: August 31, 2018    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Policy Offerings
its a basic home insurance covering the home the property in the home as well as certain things such as the property in the home. It also covers certain storms and certain things added to the home to protect it from certain storms.


Date: August 08, 2018    Age: Above 60    Gender: Male    Marital Status: Unmarried

Premium
From what I have spoken to neighbors and others in the industry it seems way too much but to be honest it seems to me that is always the same stuff. At one point especially when you first get the insurance it seems low and fair and within in 6 months to a year, the premiums go up by a tremendous amount.

Date: June 14, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Website/App
I dislike the constant increases in the premium. I also worry that I do not think I am as covered as I should be. I have discussed getting better or more insurance but the increase in premium seems to be illogical or a little over the top when compared to what I have now,

Date: November 18, 2017    Age: 20 to 29    Gender: Female    Marital Status: Married

Customer Service
When I call I am always greeted and with a positive tone as well as all of my questions are answered promptly. I also have never felt that they were trying to get me off the phone quickly as compared to other home insurance companies I have worked with in the past.

State Farm Home Insurance Reviews

Date: June 14, 2019    Age: 40 to 49    Gender: Unmarried    Marital Status: Male

Customer Service
I would rate my insurance as a 4. The agent is someone that I have known for many years, and am always treated well.

Date: March 20, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Premium
State Farm offers a top class home policy but it seems to come at a steep cost. I have found them to be more expensive when compared to other companies premiums.

Date: October 04, 2018    Age: Above 60    Gender: Female    Marital Status: Married

Policy Offerings
replacement of contents, valuables, and furnishings as well as the home itself. Structure and interior and exterior decors such as siding and windows and doors.


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

Premium
It's not the worst but it could be lower and/or cover more. It is a little too expensive

Date: September 16, 2018    Age: 50 to 59    Gender: Female    Marital Status: Unmarried

Customer Service
They were helpful when needed but not any different than any other customer service providers. I have only dealt with them once or twice.

Date: August 09, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Website/App
I don't even know if one exists I don't receive an email or letters stating otherwise and am not contacted unless it to pay a bill.

Date: January 19, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Communication
I don't receive any communication from my home insurance company unless it is a bill or update to my policy. They never call to see what they can do for me and keep me as a policyholder.

State Auto Home Insurance Reviews

Date: July 09, 2019    Age: 20 to 29    Gender: Married    Marital Status: Male

Customer Service
The customer service at State Auto is on par with other insurance companies - it is really good. I am always able to get help when I need it.

Date: September 27, 2018    Age: 50 to 59    Gender: Female    Marital Status: Married

Communication
There is nothing I dislike about the interaction and communication of the insurance company. Communication is easy and straight forward with a local agent available. Mailed documents come promptly to my home address.

Date: September 11, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
The customer service is good. I can call or go to a local agent if I have any questions or if I have to make adjustments to the plan or to file a claim.

Date: July 31, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Policy Offerings
Home policy from State Auto covers the home for damage caused by natural disasters, and accidents. Also causes bodily injury in the home.


Date: May 11, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Website/App
There is no ability on the website to log in and manage your account and view your documents. You can only visit the site to make a payment.

Date: November 19, 2017    Age: 20 to 29    Gender: Male    Marital Status: Married

Premium
I believe the premium is fairly good when compared to other companies. My insurance agent compared various plans when deciding on our current plan.

Progressive Home Insurance Reviews

Date: July 13, 2019    Age: 40 to 49    Gender: Male    Marital Status: Married

Customer Service
I am very satisfied with my current insurance company.they are very helpful in explaining our policy and updating our rates based off of what discounts we may be qualified for.

Date: February 27, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Customer Service
I have no problem with the customer service department. They have always been quick to answer any questions I have had in a quick and efficient manner.

Date: January 16, 2019    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Premium
I do not know the deductibles of other companies, because I do not use them. Mine is reasonably priced depending on the claim amount. Again, as I have never claimed before I don't have first hand experience.

Alfa Insurance Home Insurance Reviews

Date: June 06, 2019    Age: 20 to 29    Gender: Married    Marital Status: Male

Customer Service
We are satisfied with Alpha insurance. They worked with us and provided us with an insurance rate that was cheaper than the rate. I would rate them a 4

Date: March 25, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Premium
My deductible was around 500$, but they took it out of a 8000$ settlement that they paid me for the stolen items and broken items from my home.

Date: February 24, 2019    Age: 20 to 29    Gender: Female    Marital Status: Married

Policy Offerings
First and foremost they are extremely affordable. This factor alone make this insurance company more appealing than the rest. I haven't read into the policy details so much, but I am sure they are just like the rest.


Farmer's Insurance Home Insurance Reviews

Date: April 14, 2019    Age: 40 to 49    Gender: Male    Marital Status: Married

Premium
The home insurance premium at Farmer's Insurance I think is fair for the size of my house. I also wanted some personalized options and they were able to meet my requests.

Date: April 11, 2019    Age: 40 to 49    Gender: Female    Marital Status: Married

Premium
The premium is very flexible and offers different policies so that we can choose the one that best suits my needs and budget.

Date: April 05, 2019    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Customer Service
All in all I am satisfied with Farmers Insurance as my home insurance company. They had the lowest premiums that I could find for what I was looking for in terms of coverage.

Allstate Home Insurance Reviews

Date: March 30, 2019    Age: 40 to 49    Gender: Female    Marital Status: Unmarried

Customer Service
I have always had a good experience with Allstate customer service reps even when the company got things wrong with our policy.

Date: March 10, 2019    Age: 40 to 49    Gender: Female    Marital Status: Unmarried

Customer Service
I am satisfied with my home insurance. So far, I rate it a five. My agent spent lots of time answering all my questions and changing the policy to meet my needs.

AAA Home Insurance Reviews

Date: November 22, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Policy Offerings
Every few years I do an assessment with other home insurance offerings to see if mine is competitive and to see if I am getting good value for the money. Although not the cheapest, when factored in with coverage as well as bundle discounts, I am satisfied with my coverage and choice.


Esurance Home Insurance Reviews

Date: May 25, 2019    Age: 20 to 29    Gender: Married    Marital Status: Female

Customer Service
I'm a 5 I am extremely satisfied with my home insurance company. They make it easy to call in with any problems and easy automatic payments.

Travelers Home Insurance Reviews

Date: April 01, 2019    Age: 50 to 59    Gender: Female    Marital Status: Married

Premium
price seems reasonable for the coverage i get. deductible was my choice, without any pressure from my agent, which was nice.

Foremost Insurance Home Insurance Reviews

Date: October 31, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Website/App
They dont have a website that im aware of. I think its because others write policys for them and they dont feel the need to. Not many places will cover my manufactured home on land.

Amica Mutual Insurance Home Insurance Reviews

Date: March 14, 2019    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Premium
Amica in the past was a tad lower than most other insurance companies. I have not shopped around recently - why change when you have great service.

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