Gavop's guide to buying homeowners insurance in Lago Vista, 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 | $62,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $121,000 | $100,000 | $100,000-$125,000 |
| 3 Bedroom | $209,000 | $190,000 | $200,000-$250,000 |
| 4 Bedroom | $366,500 | $300,000 | $300,000-$350,000 |
| 5 Bedroom | $287,000 | $270,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$140 | $863 |
| Superior Protection Discount | -$100 | $903 |
| Fire & Security Discount | -$110 | $893 |
| Hail Resistant Roof Discount | -$30 | $973 |
| Newly Constructed Home Discount | -$231 | $773 |
| 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 |
| Travis County | $2,000 | $1,340 | $3,340 | $974 | $2,974 | $366 |
| Lago Vista, TX | $1,000 | $991 | $1,991 | $720 | $1,720 | $271 |
| Hudson Bend, TX | $500 | $2,392 | $2,892 | $1,738 | $2,238 | $654 |
| Liberty Hill, TX | $700 | $1,712 | $2,412 | $1,244 | $1,944 | $468 |
| Shady Hollow, TX | $300 | $1,117 | $1,417 | $812 | $1,112 | $305 |
| San Leanna, TX | $1,500 | $1,976 | $3,476 | $1,436 | $2,936 | $540 |
| Hutto, TX | $300 | $944 | $1,244 | $686 | $986 | $258 |
| Northeast Travis, TX | $1,500 | $1,430 | $2,930 | $1,039 | $2,539 | $391 |
| Briggs, TX | $500 | $1,725 | $2,225 | $1,254 | $1,754 | $471 |
| Canyon Lake, TX | $2,000 | $1,334 | $3,334 | $969 | $2,969 | $365 |
| Holland, TX | $100 | $1,421 | $1,521 | $1,032 | $1,132 | $388 |
| Home Insurance Company Lago Vista, TX | Homeowners Insurance Agency Lago Vista, TX | Address | Popularity Score | Distance from Lago Vista (miles) |
|---|---|---|---|---|
| Allstate | Fleming & Conway Agency | 3435 Greystone Dr Ste 107, Austin, TX, 78731 | 15.9 | |
| Nationwide | Anthony Hernandez Jr Agency | 201 S Lakeline Blvd Ste 104, Cedar Park, TX, 78613 | 9.2 | |
| State Farm | Marc Nascimento | 1540 Cypress Creek Rd Ste 109, Cedar Park, TX, 78613-3980 | 9.6 | |
| State Farm | Luke Smith | 20500 Fm 1431 Ste 100, Lago Vista, TX, 78645-4127 | 1.7 | |
| State Farm | Andrew Easley | 7301 N Fm 620 Ste 135, Austin, TX, 78726-4547 | 8.9 | |
| State Farm | Gary Shanahan | 5145 Fm 620 N Ste B-170, Austin, TX, 78732-1815 | 6.4 | |
| Farmers | Timothy Johnson | 10713 Ranch Road 620 N # F-620, Austin, TX, 78726 | 8.9 | |
| Farmers | Julie Nguyen | 1006 E Yager Ln Ste 202b, Austin, TX, 78753 | 20.3 | |
| State Farm | Nancy Callahan | 3500 Jefferson St Ste 313, Austin, TX, 78731-6223 | 17.4 | |
| State Farm | Hank Gerdes | 610 Main St Ste 1, Buda, TX, 78610-9464 | 26.9 |
| 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 |
| Travis County, TX | $275,800 | $1,356 | $900 | $2,090 | $1,190 |
| Lago Vista, TX | $203,000 | $1,003 | $660 | $1,550 | $890 |
| Hudson Bend, TX | $378,000 | $2,421 | $1,600 | $3,730 | $2,130 |
| Liberty Hill, TX | $159,700 | $1,733 | $1,140 | $2,670 | $1,530 |
| Shady Hollow, TX | $334,300 | $1,130 | $750 | $1,740 | $990 |
| San Leanna, TX | $272,500 | $2,000 | $1,320 | $3,080 | $1,760 |
| Hutto, TX | $167,200 | $956 | $630 | $1,470 | $840 |
| Northeast Travis, TX | $189,300 | $1,447 | $960 | $2,230 | $1,270 |
| Briggs, TX | $164,300 | $1,746 | $1,150 | $2,690 | $1,540 |
| Canyon Lake, TX | $272,400 | $1,350 | $890 | $2,080 | $1,190 |
| Holland, TX | $83,400 | $1,438 | $950 | $2,210 | $1,260 |