Gavop's guide to buying homeowners insurance in Bandera, 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 | $61,500 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $112,000 | $90,000 | $125,000-$150,000 |
| 3 Bedroom | $152,500 | $130,000 | $150,000-$175,000 |
| 4 Bedroom | $221,000 | $190,000 | $250,000-$300,000 |
| 5 Bedroom | $452,500 | $370,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$159 | $834 |
| Superior Protection Discount | -$99 | $894 |
| Fire & Security Discount | -$89 | $904 |
| Hail Resistant Roof Discount | -$20 | $973 |
| Newly Constructed Home Discount | -$238 | $755 |
| 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 |
| Bandera County | $1,000 | $942 | $1,942 | $685 | $1,685 | $258 |
| Bandera, TX | $1,000 | $981 | $1,981 | $713 | $1,713 | $268 |
| Castroville, TX | $1,000 | $1,781 | $2,781 | $1,295 | $2,295 | $487 |
| Leon Valley, TX | $300 | $966 | $1,266 | $702 | $1,002 | $264 |
| Timberwood Park, TX | $2,500 | $1,131 | $3,631 | $822 | $3,322 | $309 |
| Sabinal, TX | $500 | $1,411 | $1,911 | $1,025 | $1,525 | $386 |
| Von Ormy, TX | $2,500 | $1,302 | $3,802 | $946 | $3,446 | $356 |
| Kirby, TX | $100 | $1,007 | $1,107 | $732 | $832 | $275 |
| Garden Ridge, TX | $2,500 | $2,895 | $5,395 | $2,104 | $4,604 | $791 |
| Knippa, TX | $100 | $1,285 | $1,385 | $934 | $1,034 | $351 |
| Real County, TX | $700 | $954 | $1,654 | $693 | $1,393 | $261 |
| Home Insurance Company Bandera, TX | Homeowners Insurance Agency Bandera, TX | Address | Popularity Score | Distance from Bandera (miles) |
|---|---|---|---|---|
| State Farm | Robert Tijerina | 8802 Potranco Rd Ste 105, San Antonio, TX, 78251-3017 | 28.4 | |
| Travelers | Sogo Wealth & Risk Management | 7330 San Pedro Ste 206, San Antonio, TX, 78216 | 34.2 | |
| Farmers | Jennifer Hickman | 14526 Jones Maltsberger Rd Ste 102, San Antonio, TX, 78247 | 36.0 | |
| State Farm | Ginny Thompson | 217 E Bandera Rd Ste 1, Boerne, TX, 78006-2992 | 18.7 | |
| Nationwide | Joel Gonzales Agency | 12930 Bandera Rd, Helotes, TX, 78023-4002 | 22.7 | |
| Farmers | Michael Mikey Gonzales | 270 N Loop 1604 E Ste 205, San Antonio, TX, 78232 | 32.8 | |
| Travelers | Billy Greaves Insurance Agency Inc | 14400 Northbrook Dr #150 San Antonio, San Antonio, TX, 78232 | 34.2 | |
| Farmers | Crissy Quintero | 8053 Callaghan Rd, San Antonio, TX, 78230 | 31.4 | |
| Travelers | Dziga Insurance Agency | 7500 Eckhert Rd Ste 400, San Antonio, TX, 78240 | 27.5 | |
| State Farm | Nancy Jimenez | 6826 N Loop 1604 E Ste 105, San Antonio, TX, 78247-5329 | 40.8 |
| 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 |
| Bandera County, TX | $165,900 | $954 | $630 | $1,470 | $840 |
| Bandera, TX | $162,400 | $993 | $660 | $1,530 | $870 |
| Castroville, TX | $186,700 | $1,803 | $1,190 | $2,780 | $1,590 |
| Leon Valley, TX | $153,100 | $978 | $650 | $1,510 | $860 |
| Timberwood Park, TX | $306,900 | $1,144 | $760 | $1,760 | $1,000 |
| Sabinal, TX | $81,400 | $1,428 | $940 | $2,200 | $1,260 |
| Von Ormy, TX | $62,300 | $1,318 | $870 | $2,030 | $1,160 |
| Kirby, TX | $82,600 | $1,020 | $670 | $1,570 | $900 |
| Garden Ridge, TX | $443,500 | $2,930 | $1,930 | $4,510 | $2,580 |
| Knippa, TX | $59,600 | $1,301 | $860 | $2,000 | $1,140 |
| Real County, TX | $105,100 | $965 | $640 | $1,490 | $850 |