Gavop shows you how to buy homeowners insurance in Franklin County, TX by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $39,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $74,500 | $60,000 | $75,000-$100,000 |
| 3 Bedroom | $104,500 | $90,000 | $75,000-$100,000 |
| 4 Bedroom | $234,000 | $200,000 | $175,000-$200,000 |
| 5 Bedroom | $198,500 | $170,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$159 | $777 |
| Superior Protection Discount | -$84 | $852 |
| Fire & Security Discount | -$84 | $852 |
| Hail Resistant Roof Discount | -$28 | $908 |
| Newly Constructed Home Discount | -$187 | $749 |
| 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 |
| Franklin County | $1,000 | $925 | $1,925 | $672 | $1,672 | $253 |
| Franklin County, TX | $700 | $925 | $1,625 | $672 | $1,372 | $253 |
| Mount Vernon, TX | $400 | $919 | $1,319 | $668 | $1,068 | $251 |
| Mount Pleasant, TX | $2,000 | $990 | $2,990 | $720 | $2,720 | $271 |
| Cookville, TX | $300 | $993 | $1,293 | $722 | $1,022 | $271 |
| Morris County, TX | $2,000 | $1,007 | $3,007 | $732 | $2,732 | $275 |
| Hawkins, TX | $500 | $929 | $1,429 | $675 | $1,175 | $254 |
| Howland, TX | $2,000 | $1,421 | $3,421 | $1,032 | $3,032 | $388 |
| Blossom, TX | $300 | $1,651 | $1,951 | $1,200 | $1,500 | $451 |
| Manchester, TX | $1,500 | $1,382 | $2,882 | $1,004 | $2,504 | $378 |
| Winona, TX | $400 | $958 | $1,358 | $696 | $1,096 | $262 |
| Lake O' the Pines, TX | $1,500 | $1,014 | $2,514 | $737 | $2,237 | $277 |
| Home Insurance Company Franklin County, TX | Homeowners Insurance Agency Franklin County, TX | Address | Popularity Score | Distance from Franklin County (miles) |
|---|---|---|---|---|
| Travelers | Williams Insurance Agency | 300 W Tyler St, Gilmer, TX, 75644 | 34.6 | |
| Farmers | Penny Bynum | 1313 S Jefferson Ave, Mount Pleasant, TX, 75455 | 14.7 | |
| Allstate | Simons & Company | 406 North Main, Winnsboro, TX, 75494 | 15.5 | |
| State Farm | Dixie Turman | 1500 Live Oak St, Commerce, TX, 75428-2548 | 39.9 | |
| Travelers | The Duncan Insurance Agency | 1119 Main St, Commerce, TX, 75428 | 39.7 | |
| State Farm | Johnny Thompson | 202 W Frank St, Grand Saline, TX, 75140-1758 | 44.9 | |
| State Farm | Shane Pennington | 1414 Linda Dr, Daingerfield, TX, 75638-2132 | 31.0 | |
| Allstate | Keith Koonce | 424 S White Oak Rd, White Oak, TX, 75693 | 49.4 | |
| Farmers | Dillon Lee | 2605 W Ferguson Rd Ste B, Mount Pleasant, TX, 75455 | 12.6 | |
| Farmers | James Head | 821 S Main St Ste 300, Winnsboro, TX, 75494 | 16.4 |
| 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 |
| Franklin County, TX | $130,300 | $936 | $620 | $1,440 | $820 |
| Franklin County, TX | $130,300 | $936 | $620 | $1,440 | $820 |
| Mount Vernon, TX | $127,500 | $930 | $610 | $1,430 | $820 |
| Mount Pleasant, TX | $95,800 | $1,002 | $660 | $1,540 | $880 |
| Cookville, TX | $104,200 | $1,006 | $660 | $1,550 | $890 |
| Morris County, TX | $82,300 | $1,019 | $670 | $1,570 | $900 |
| Hawkins, TX | $132,800 | $940 | $620 | $1,450 | $830 |
| Howland, TX | $83,300 | $1,438 | $950 | $2,210 | $1,260 |
| Blossom, TX | $139,200 | $1,671 | $1,100 | $2,570 | $1,470 |
| Manchester, TX | $76,000 | $1,399 | $920 | $2,150 | $1,230 |
| Winona, TX | $99,200 | $970 | $640 | $1,490 | $850 |
| Lake O' the Pines, TX | $84,400 | $1,027 | $680 | $1,580 | $900 |