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.
| 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-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$141 | $869 |
| Superior Protection Discount | -$101 | $909 |
| Fire & Security Discount | -$101 | $909 |
| Hail Resistant Roof Discount | -$20 | $990 |
| Newly Constructed Home Discount | -$273 | $738 |
| 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 |
| Houston County | $700 | $998 | $1,698 | $725 | $1,425 | $273 |
| Houston County, TX | $2,500 | $998 | $3,498 | $725 | $3,225 | $273 |
| Latexo, TX | $400 | $1,149 | $1,549 | $835 | $1,235 | $314 |
| Wells, TX | $1,000 | $1,520 | $2,520 | $1,104 | $2,104 | $415 |
| Palestine, TX | $300 | $1,046 | $1,346 | $760 | $1,060 | $286 |
| Buffalo, TX | $1,000 | $1,000 | $2,000 | $727 | $1,727 | $273 |
| Butler, TX | $300 | $1,322 | $1,622 | $961 | $1,261 | $361 |
| Anderson County, TX | $1,000 | $1,317 | $2,317 | $957 | $1,957 | $360 |
| Cherokee County, TX | $500 | $1,344 | $1,844 | $976 | $1,476 | $367 |
| Pleasant Hill, TX | $2,500 | $1,201 | $3,701 | $873 | $3,373 | $328 |
| New Waverly, TX | $300 | $987 | $1,287 | $717 | $1,017 | $270 |
| Cuney, TX | $700 | $1,362 | $2,062 | $990 | $1,690 | $372 |
| 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 |
| 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 |
| Houston County, TX | $80,200 | $1,010 | $670 | $1,560 | $890 |
| Houston County, TX | $80,200 | $1,010 | $670 | $1,560 | $890 |
| Latexo, TX | $39,500 | $1,163 | $770 | $1,790 | $1,020 |
| Wells, TX | $104,200 | $1,538 | $1,020 | $2,370 | $1,350 |
| Palestine, TX | $93,500 | $1,059 | $700 | $1,630 | $930 |
| Buffalo, TX | $80,600 | $1,012 | $670 | $1,560 | $890 |
| Butler, TX | $65,600 | $1,338 | $880 | $2,060 | $1,180 |
| Anderson County, TX | $91,800 | $1,333 | $880 | $2,050 | $1,170 |
| Cherokee County, TX | $98,200 | $1,360 | $900 | $2,090 | $1,190 |
| Pleasant Hill, TX | $46,800 | $1,216 | $800 | $1,870 | $1,070 |
| New Waverly, TX | $118,200 | $999 | $660 | $1,540 | $880 |
| Cuney, TX | $72,500 | $1,379 | $910 | $2,120 | $1,210 |