Gavop's guide to buying homeowners insurance in Lone Oak, 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.
| Lone Oak, TX - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Co Rd 3207, S Beasley, Co Rd 3111, Co Rd 4215, Lincoln St, Co Rd 3406, Co Rd 4315, Co Rd 4109, Co Rd 3226, W Cedar St | $167,000 | $150,000 | $150,000-$175,000 | $128,000 | $110,000 | $125,000-$150,000 |
| Jones St, Fir, Co Rd 3106, Shore Vw, Brook Hollow, Windsor St, Co Rd 4115, Co Rd 3208, W Mimosa, North St | $142,500 | $120,000 | $150,000-$175,000 | $118,000 | $100,000 | $75,000-$100,000 |
| Co Rd 3108, Co Rd 3403, Co Rd 3128, Co Rd 3426, Country Pl, Pvt Rd 3427, Co Rd 4118, Cr 3205, Co Rd 3412, E Main St | $116,500 | $100,000 | $75,000-$100,000 | $99,000 | $90,000 | $75,000-$100,000 |
| Pvt Rd 3429, Co Rd 3201, White Dove, FM 513, Quail Meadow Rd, Cherry Ln, Hampshire Ln, Olive St, Shoreline Dr, Franklin | $140,000 | $120,000 | $100,000-$125,000 | $115,000 | $100,000 | $75,000-$100,000 |
| Scenic Cir, Co Rd 3411, FM 2649, Co Rd 3413, Lakeview Cir, Co Rd 3416, Hillside Dr, Geronimo, Birch, Circle Vw | $134,500 | $120,000 | $100,000-$125,000 | $127,500 | $110,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$198 | $844 |
| Superior Protection Discount | -$104 | $938 |
| Fire & Security Discount | -$115 | $928 |
| Hail Resistant Roof Discount | -$31 | $1,011 |
| Newly Constructed Home Discount | -$219 | $823 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,854 |
| Physical Damage | $2,464 |
| Hail Damage | $4,618 |
| Wind Damage | $6,687 |
| Expensive Claims | |
| Fire | $44,229 |
| Smoke | $16,051 |
| Home Insurance Company Lone Oak, TX | Homeowners Insurance Agency Lone Oak, TX | Address | Popularity Score | Distance from Lone Oak (miles) |
|---|---|---|---|---|
| Farmers | Sabrina Hosein | 309 N Galloway Ave Ste 102, Mesquite, TX, 75149 | 44.3 | |
| Allstate | Diana Wickman | 3200 Broadway Blvd Ste 450, Garland, TX, 75043 | 42.2 | |
| Allstate | Michael Callahan | 1201 E Main St Ste 250, Allen, TX, 75002 | 41.0 | |
| Farmers | Robert Bledsoe | 4702 Wesley St Ste F, Greenville, TX, 75401 | 10.5 | |
| Farmers | David Morgan | 255 E Jefferson, Van Alstyne, TX, 75495 | 43.9 | |
| State Farm | Rafael Parker | 1330 N Mcdonald St Ste 104, Mckinney, TX, 75071-1880 | 40.3 | |
| Allstate | Benson O.I Churchill | 3645 E University Dr, Mckinney, TX, 75069 | 36.8 | |
| State Farm | Lou Caballero | 7995 L B J Fwy Ste 225, Dallas, TX, 75251 | 49.7 | |
| Travelers | The Best Insurance Agent | 3115 W Parker Rd 555, Plano, TX, 75023 | 47.7 | |
| Allstate | Randall Davenport | 4037 N Goliad St Ste 101, Rockwall, TX, 75087 | 31.8 |
| 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 |
| Hunt County, TX | $105,000 | $1,387 | $920 | $2,140 | $1,220 |
| Lone Oak, TX | $88,800 | $1,042 | $690 | $1,610 | $920 |
| Edgewood, TX | $117,600 | $1,593 | $1,050 | $2,450 | $1,400 |
| Fruitvale, TX | $114,400 | $1,581 | $1,040 | $2,430 | $1,390 |
| Lavon, TX | $201,700 | $1,838 | $1,210 | $2,830 | $1,620 |
| Grand Saline, TX | $104,500 | $1,006 | $660 | $1,550 | $890 |
| Terrell South, TX | $132,700 | $1,649 | $1,090 | $2,540 | $1,450 |
| Rowlett, TX | $181,500 | $1,369 | $900 | $2,110 | $1,210 |
| Talty, TX | $290,500 | $2,050 | $1,350 | $3,160 | $1,810 |
| Tom Bean, TX | $103,000 | $1,533 | $1,010 | $2,360 | $1,350 |
| Leesburg-Newsome, TX | $77,400 | $1,406 | $930 | $2,170 | $1,240 |