How Can I Make My Victoria, TX Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Victoria, 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.
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Estimate Appropriate Victoria, TX Home Insurance Coverage Levels | Back to Top
| Victoria, 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 | |
| E Constitution St, Linwood Dr, Rhodes Rd, S Cleveland St, Imperial Dr, Laurent St, Hamlet Ct, Circle St, Esquire Pl, S Crescent Dr | $115,500 | $100,000 | $125,000-$150,000 | $56,500 | $50,000 | $25,000-$50,000 |
| N Cleveland St, Sunset Dr, S Lastro St, Navidad St, Jocelyn Cir, Deerwood Dr, E Constitution St, Rendon St, Westwood St, County Rd | $51,000 | $40,000 | $50,000-$75,000 | $72,500 | $70,000 | $75,000-$100,000 |
| Yupon Ave, S Depot St, Berkshire Ln, Perth Rd, Manassas Loop, Bobolink Ln, Oliver St, Rose Dr, Gawain St, Kay Dr | $123,000 | $100,000 | $125,000-$150,000 | $102,500 | $90,000 | $75,000-$100,000 |
| Pebble Brook, Stephenson St, E Scott St, Ramos Rd, Kohutek Rd, Chantilly St, Cll Ricardo, S East St, Russell Rd, W Hiller St | $91,500 | $70,000 | $100,000-$125,000 | $51,000 | $40,000 | $25,000-$50,000 |
| Joshua St, Spring Creek Rd, Continental St, Duncan St, Stephenson St, Gin Rd, Rosewood Dr, W Santa Rosa St, Stone Gate Dr, N Bridge St | $174,500 | $140,000 | $150,000-$175,000 | $83,500 | $70,000 | $75,000-$100,000 |
| W Goodwin Ave, Conti Ln, Havana St, Northshire St, Plantation Dr, Hkr Ranch Rd, Plover St, E Mistletoe Ave, Sun Valley Dr, Baker St | $162,000 | $140,000 | $125,000-$150,000 | $119,500 | $110,000 | $75,000-$100,000 |
| Young Dr, Begonia St, Melrose Ave, Burroughsville Rd, Mumphord St, E Santa Rosa St, Nottingham Dr, Palomino Ln, Berkshire Dr, Leisure Ln | $87,500 | $80,000 | $75,000-$100,000 | $82,500 | $70,000 | $75,000-$100,000 |
| Hovar Dr, Knowland Ave, Robles St, Ozark St, N East St, Windwood Ln, US Hwy 87, Fleetwood Dr, Tate Rd, Brandywine Ln | $78,000 | $70,000 | $75,000-$100,000 | $70,500 | $70,000 | $75,000-$100,000 |
| W Guadalupe St, Fairview St, Sanchez Rd, Evelyn Ave, Allison St, Mason Cir, Valley Vista Rd, Gossett St, E Brazos St, Chimney Rock Dr | $162,500 | $140,000 | $125,000-$150,000 | $175,000 | $170,000 | $125,000-$150,000 |
| W River St, Milam Dr, Castillo St, Harpers Ferry Xing, Garrett-Gonzales School Rd, Country Club Dr, Spokane Ave, Minatre Rd, Canyon Creek Dr, Honey Dr | $154,500 | $130,000 | $125,000-$150,000 | $98,000 | $80,000 | $75,000-$100,000 |
Estimate your Savings with Home Insurance Discounts in Victoria, TX | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$266 | $1,210 |
| Superior Protection Discount | -$133 | $1,342 |
| Fire & Security Discount | -$148 | $1,328 |
| Hail Resistant Roof Discount | -$44 | $1,431 |
| Newly Constructed Home Discount | -$428 | $1,047 |
Choose the Right Deductible for your Victoria, TX Home | Back to Top
| 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 |
| Victoria County | $2,500 | $1,455 | $3,955 | $1,057 | $3,557 | $398 |
| Victoria, TX | $700 | $1,457 | $2,157 | $1,059 | $1,759 | $398 |
| Cuero, TX | $500 | $960 | $1,460 | $697 | $1,197 | $262 |
| Edna, TX | $2,500 | $1,032 | $3,532 | $750 | $3,250 | $282 |
| Weesatche-Ander, TX | $400 | $1,830 | $2,230 | $1,330 | $1,730 | $500 |
| Lolita, TX | $2,500 | $1,406 | $3,906 | $1,022 | $3,522 | $384 |
| Goliad, TX | $400 | $1,456 | $1,856 | $1,058 | $1,458 | $398 |
| Tivoli, TX | $2,500 | $1,345 | $3,845 | $977 | $3,477 | $367 |
| La Ward-Lolita, TX | $500 | $1,443 | $1,943 | $1,049 | $1,549 | $394 |
| Hallettsville, TX | $2,000 | $974 | $2,974 | $708 | $2,708 | $266 |
| Louise, TX | $400 | $1,639 | $2,039 | $1,191 | $1,591 | $448 |
| Gonzales, TX | $2,500 | $957 | $3,457 | $695 | $3,195 | $261 |
Identify Top Home Insurance Agents near Victoria, TX | Back to Top
| Home Insurance Company Victoria, TX | Homeowners Insurance Agency Victoria, TX | Address | Popularity Score | Distance from Victoria (miles) |
|---|---|---|---|---|
| Travelers | Coastal Insurance Group | 15000 State Hwy 35 S, Blessing, TX, 77419 | 46.0 | |
| Farmers | Cody Edwards | 3606 John Stockbauer Dr, Victoria, TX, 77904 | 3.4 | |
| State Farm | Annette Alonzo | 602 N Virginia St, Port Lavaca, TX, 77979-3022 | 28.4 | |
| State Farm | Gary Breech | 903 Sam Houston Dr, Victoria, TX, 77901-4550 | 5.2 | |
| Liberty Mutual Independent | Assurance One Of Texas Llc | 114 W Main, Edna, TX, 77957 | 19.7 | |
| Liberty Mutual Independent | Assurance One Of Texas Llc | 114 W Main St, Edna, TX, 77957 | 20.7 | |
| Farmers | William Kram | 202 Hopkins St, Yoakum, TX, 77995 | 29.2 | |
| Travelers | Victoria Insurance Group Llc | 2014 John Stockbauer Dr, Victoria, TX, 77901 | 4.2 | |
| Allstate | Ralph Gold | 1807 N Mechanic St, El Campo, TX, 77437 | 47.2 | |
| Allstate | Gary Kofron | 6412 N Navarro St Ste B, Victoria, TX, 77904 | 3.2 |
Compare Rates for Victoria, TX Home Insurance Providers | Back to Top
| 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 |
| Victoria County, TX | $129,100 | $1,472 | $970 | $2,270 | $1,300 |
| Victoria, TX | $129,900 | $1,475 | $970 | $2,270 | $1,300 |
| Cuero, TX | $99,700 | $971 | $640 | $1,500 | $860 |
| Edna, TX | $89,500 | $1,044 | $690 | $1,610 | $920 |
| Weesatche-Ander, TX | $208,100 | $1,852 | $1,220 | $2,850 | $1,630 |
| Lolita, TX | $80,400 | $1,423 | $940 | $2,190 | $1,250 |
| Goliad, TX | $90,500 | $1,474 | $970 | $2,270 | $1,300 |
| Tivoli, TX | $69,400 | $1,361 | $900 | $2,100 | $1,200 |
| La Ward-Lolita, TX | $87,800 | $1,461 | $960 | $2,250 | $1,290 |
| Hallettsville, TX | $158,200 | $986 | $650 | $1,520 | $870 |
| Louise, TX | $135,500 | $1,659 | $1,090 | $2,550 | $1,460 |
| Gonzales, TX | $98,600 | $968 | $640 | $1,490 | $850 |
Research Home Insurance Companies Reviews in Victoria, TX Before Buying | Back to Top
Share a review on your home insurance company
Allstate Home Insurance Reviews
Date: January 13, 2020 Age: 50 to 59 Gender: Female Marital Status: Married
Customer Service
I would give Allstate a 5 rating for customer service. They are quick to answer questions and are very friendly. They make me feel like they enjoy having me for a customer.
Date: October 06, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Premium
I would say that my premium might be higher but the service they provide is top notch. I've had to use my insurance before when I had an accident in a rental car and they took care of everything.
Date: February 13, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Customer Service
I rate this company as a 5. I love my service representative and the rates are quite a bit lower than Progressive. I bundle my auto and home and get a great discount.
State Farm Home Insurance Reviews
Date: January 16, 2020 Age: Above 60 Gender: Female Marital Status: Unmarried
Customer Service
State Farm's customer service has been excellent, in my experience. Any time I've called the local office with questions, they've answered my questions quickly and completely.
Date: October 27, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Customer Service
I don't have any reason to rate them lower than that. They gave me a good rate, were easy to work with, answered my questions promptly, and were helpful/not condescending.
Date: September 19, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
I am satisfied with the insurance policy that I have. I do feel that if anything were to happen, I would be covered appropriately under my plan.
Progressive Home Insurance Reviews
Date: July 16, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
I learned that the premium was slightly less on the Progressive home insurance policy. This is exactly what I had hoped to accomplish by bundling.
Date: June 03, 2019 Age: 30 to 39 Gender: Married Marital Status: Male
Customer Service
I used a broker and did not need to directly interact with them, but the quote and policy were put into place very quickly so I think it is good.
Allied Insurance Home Insurance Reviews
Date: November 18, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Premium
I have only had to make the one claim and considering it was a full repair of the roof and it happened a few years ago, I don't recall what, if any I had to pay. Since I don't remember, it can't have been too bad though.
GEICO Home Insurance Reviews
Date: December 29, 2019 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Customer Service
i havent had any issues with my insurance, its been good so far. the customer support is good and i live it
Homesite Insurance Home Insurance Reviews
Date: October 28, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
My policy covers total home replacement in-case of catastrophe , sump pump backup or failure which has been used before, computer replacement, roof coverage with discount for a new roof, personal property and liability.
Safeco Insurance Home Insurance Reviews
Date: October 16, 2018 Age: Above 60 Gender: Male Marital Status: Married
Premium
Compared to other companies for the same coverage, I find that my home owner's insurance rates are lower. I still find it to be expensive, but it is less so than other companies offering the same thing.
Farmer's Insurance Home Insurance Reviews
Date: September 12, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
We switched to them about 4 years ago from State Farm, and when we did, we got more coverage over all of our policies (home, two cars, two life policies) and in addition we added a PLUP.