How Can I Make My Houston County, TX Home Insurance Cheaper

Gavop's guide to buying homeowners insurance in Houston 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.

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Select the Suitable Coverage Value for your Houston County, TX Home | Back to Top

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $30,500 $30,000 $25,000-$50,000
2 Bedroom $86,000 $80,000 $75,000-$100,000
3 Bedroom $118,500 $100,000 $125,000-$150,000
4 Bedroom $150,500 $140,000 $125,000-$150,000
5 Bedroom $194,000 $180,000 $175,000-$200,000

Choose the Best Houston County, TX Home Insurance Premium for your Background | Back to Top

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Freelancer 650-699 Credit Score $50 to $75,000 More than 3 Pets at home, Smoker $340
Full Time Job 500-549 Credit Score $100 to $150,000 No Pets, Smoker $320
Unemployed 750-799 Credit Score No Income 2 Pets, Non-Smoker $660

Choose the Right Deductible for your Houston County, 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
Texas $300 $570 $870 $480 $780 $90
Houston County, TX $700 $260 $760 $220 $920 $-160
Houston County, TX $2,500 $370 $870 $320 $2,820 $-1,950
Latexo, TX $400 $220 $620 $190 $590 $30
Wells, TX $1,000 $310 $810 $270 $1,270 $-460
Palestine, TX $300 $390 $690 $310 $610 $80
Buffalo, TX $1,000 $260 $760 $220 $1,220 $-460
Butler, TX $300 $370 $670 $320 $620 $50
Anderson County, TX $1,000 $440 $940 $370 $1,370 $-430
Cherokee County, TX $500 $320 $820 $270 $770 $50
Pleasant Hill, TX $2,500 $120 $620 $100 $2,600 $-1,980
New Waverly, TX $300 $420 $720 $350 $650 $70
Cuney, TX $700 $170 $670 $150 $850 $-180

Identify Top Home Insurance Agents near Houston County, TX | Back to Top

Home Insurance Company Houston County, TX Homeowners Insurance Agency Houston County, TX Address Popularity Score Distance from Houston County (miles)
Travelers Crockett Insurance Service 206 S 5th St, Crockett, TX, 75835
2.1
Travelers Professional Agencies Llc 440 Fm 2821 W Ste D, Huntsville, TX, 77320
40.6
State Farm Rich Scott 101 E Main, Trinity, TX, 75862
26.2
State Farm Gus Hernandez 901 Normal Park Dr Ste 105, Huntsville, TX, 77320-3770
42.4
Travelers Church Street Financial 2121 Hwy 190 W, Livingston, TX, 77351
49.6
State Farm Joe Monteleone 130 Col Etheredge Blvd Ste D1, Huntsville, TX, 77340-4222
42.8
Farmers Michael Mcgoon 1403-B Avenue M, Huntsville, TX, 77340
42.3
Farmers Mark Kerzee 217 E Commerce St, Jacksonville, TX, 75766
45.0
Farmers Ronnie Jackson 1013 Lee Ave, Lufkin, TX, 75901
41.7
Allstate Wallace Daily 800 E Loop 304, Crockett, TX, 75835
1.2

Compare Rates for Houston County, TX Home Insurance Providers | Back to Top

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Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
Texas $128,000 $690 $460 $1,060 $600
Houston County, TX $68,800 $360 $240 $550 $310
Houston County, TX $68,800 $390 $260 $600 $340
Latexo, TX $55,000 $280 $180 $430 $250
Wells, TX $58,400 $230 $150 $350 $200
Palestine, TX $82,400 $450 $300 $690 $390
Buffalo, TX $72,500 $430 $280 $660 $380
Butler, TX $87,800 $500 $330 $770 $440
Anderson County, TX $80,600 $420 $280 $650 $370
Cherokee County, TX $72,800 $290 $190 $450 $260
Pleasant Hill, TX $27,300 $140 $90 $220 $130
New Waverly, TX $108,100 $500 $330 $770 $440
Cuney, TX $43,000 $250 $170 $390 $220