Gavop's guide to buying homeowners insurance in Lucas, 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.
| Lucas, TX - Neighbourhoods, Census Blocks & Streets | 4 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Co Rd 261, Co Rd 265, Briardale Dr, Creek Bend Ln, Rainbow Glen, Co Rd 891, Darton Dr, Matthew Way, Amanda Ct, Stonehurst Dr | $181,000 | $160,000 | $125,000-$150,000 | $155,000 | $150,000 | $150,000-$175,000 |
| Dakota Dr, Misty Glen Ln, Cannonero Cir, Stanford Dr, Flamingo Ct, Morning View Way, Orr Rd, Wrangler Dr, Co Rd 888, Finch Ct | $299,500 | $280,000 | $300,000-$350,000 | $422,000 | $350,000 | $400,000-$500,000 |
| Co Rd 254, Jeremy Ct, Co Rd 719, Home Pl, Lauren Ln, Avenida, E Lucas Rd, Buffalo Bend Ct, Clay Dr, Brookwood Dr | $303,500 | $290,000 | $200,000-$250,000 | $206,500 | $190,000 | $200,000-$250,000 |
| Estates Pkwy, Seleta Dr, Bracknell Dr, Gray Ln, St James Dr, Santa Rosa Cir, Cimarron Trl, Willow Bend Ct, Sycamore Ct, Taylor Trl | $343,500 | $280,000 | $300,000-$350,000 | $173,000 | $160,000 | $175,000-$200,000 |
| Gregory Ln, Balboa Ln, Glenmore Dr, Graham Ln, Rolling Meadows, San Marcos Dr, Amber Ln, Co Rd 310, Prairie View Dr, E Clubview Ct | $253,000 | $220,000 | $200,000-$250,000 | $362,000 | $340,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$139 | $854 |
| Superior Protection Discount | -$99 | $894 |
| Fire & Security Discount | -$70 | $924 |
| Hail Resistant Roof Discount | -$30 | $963 |
| Newly Constructed Home Discount | -$219 | $775 |
| 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 |
| Collin County | $700 | $1,322 | $2,022 | $961 | $1,661 | $361 |
| Lucas, TX | $2,500 | $981 | $3,481 | $713 | $3,213 | $268 |
| Lowry Crossing, TX | $500 | $1,812 | $2,312 | $1,317 | $1,817 | $495 |
| Prosper, TX | $2,000 | $981 | $2,981 | $713 | $2,713 | $268 |
| Paloma Creek South, TX | $400 | $1,847 | $2,247 | $1,342 | $1,742 | $505 |
| Shady Shores, TX | $1,000 | $2,017 | $3,017 | $1,466 | $2,466 | $551 |
| Sherman, TX | $300 | $1,375 | $1,675 | $999 | $1,299 | $376 |
| Combine, TX | $1,500 | $1,758 | $3,258 | $1,277 | $2,777 | $480 |
| Southmayd, TX | $500 | $1,266 | $1,766 | $920 | $1,420 | $346 |
| Rosser, TX | $1,000 | $1,355 | $2,355 | $984 | $1,984 | $370 |
| Cottonwood, TX | $500 | $1,707 | $2,207 | $1,241 | $1,741 | $467 |
| Kaufman, TX | $2,500 | $976 | $3,476 | $709 | $3,209 | $267 |
| Home Insurance Company Lucas, TX | Homeowners Insurance Agency Lucas, TX | Address | Popularity Score | Distance from Lucas (miles) |
|---|---|---|---|---|
| Farmers | Christian Wallace | 905 Market St Ste 280, Allen, TX, 75013 | 6.1 | |
| Farmers | Philip Szurek | 2614 W Arkansas Ln, Arlington, TX, 76016 | 42.9 | |
| Travelers | Alpha Omega Insurance Agency | 3131 Custer Ste 275, Plano, TX, 75075 | 9.9 | |
| State Farm | Korina Hernandez | 2301 Central Expy Ste 260, Plano, TX, 75075-2586 | 8.9 | |
| Travelers | Steven Graves | 11300 N Central Expressway Ste 602, Dallas, TX, 75243 | 17.6 | |
| Allstate | Andrew Harpole | 321 N Central Expy Ste 341, Mckinney, TX, 75070 | 7.6 | |
| Travelers | Insurance City | 3209 Premier Dr Ste 103, Plano, TX, 75075 | 8.6 | |
| Farmers | Sanju Joy | 4101 E Park Blvd Ste 107, Plano, TX, 75074 | 6.3 | |
| Allstate | Mark Van Riper | 600 Main St, Garland, TX, 75040 | 13.4 | |
| Liberty Mutual Independent | Wylie Insurance Agency | 201 Calloway St, Wylie, TX, 75098 | 6.7 |
| 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 |
| Collin County, TX | $265,300 | $1,338 | $880 | $2,060 | $1,180 |
| Lucas, TX | $544,800 | $993 | $660 | $1,530 | $870 |
| Lowry Crossing, TX | $200,200 | $1,834 | $1,210 | $2,820 | $1,610 |
| Prosper, TX | $408,300 | $993 | $660 | $1,530 | $870 |
| Paloma Creek South, TX | $215,700 | $1,869 | $1,230 | $2,880 | $1,650 |
| Shady Shores, TX | $288,000 | $2,042 | $1,350 | $3,140 | $1,790 |
| Sherman, TX | $106,100 | $1,391 | $920 | $2,140 | $1,220 |
| Combine, TX | $177,000 | $1,779 | $1,170 | $2,740 | $1,570 |
| Southmayd, TX | $56,500 | $1,281 | $850 | $1,970 | $1,120 |
| Rosser, TX | $71,100 | $1,371 | $900 | $2,110 | $1,210 |
| Cottonwood, TX | $158,000 | $1,728 | $1,140 | $2,660 | $1,520 |
| Kaufman, TX | $113,800 | $988 | $650 | $1,520 | $870 |