Gavop's guide to buying homeowners insurance in Buffalo, 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 | $27,500 | $20,000 | $25,000-$50,000 |
| 2 Bedroom | $60,000 | $50,000 | $50,000-$75,000 |
| 3 Bedroom | $82,500 | $70,000 | $50,000-$75,000 |
| 4 Bedroom | $149,000 | $140,000 | $125,000-$150,000 |
| 5 Bedroom | $120,000 | $110,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$152 | $861 |
| Superior Protection Discount | -$101 | $911 |
| Fire & Security Discount | -$101 | $911 |
| Hail Resistant Roof Discount | -$20 | $992 |
| Newly Constructed Home Discount | -$283 | $729 |
| 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 |
| Leon County | $1,000 | $1,051 | $2,051 | $764 | $1,764 | $287 |
| Buffalo, TX | $2,500 | $1,000 | $3,500 | $727 | $3,227 | $273 |
| Jewett, TX | $300 | $1,371 | $1,671 | $997 | $1,297 | $375 |
| Centerville, TX | $2,500 | $1,548 | $4,048 | $1,125 | $3,625 | $423 |
| Oakwood, TX | $200 | $1,372 | $1,572 | $997 | $1,197 | $375 |
| Personville, TX | $700 | $1,525 | $2,225 | $1,109 | $1,809 | $417 |
| Latexo, TX | $100 | $1,149 | $1,249 | $835 | $935 | $314 |
| Kosse, TX | $2,500 | $1,340 | $3,840 | $974 | $3,474 | $366 |
| Grapeland, TX | $400 | $960 | $1,360 | $698 | $1,098 | $262 |
| Robertson County, TX | $2,000 | $1,047 | $3,047 | $761 | $2,761 | $286 |
| Coolidge, TX | $400 | $1,246 | $1,646 | $905 | $1,305 | $340 |
| Angus, TX | $700 | $1,414 | $2,114 | $1,027 | $1,727 | $386 |
| Home Insurance Company Buffalo, TX | Homeowners Insurance Agency Buffalo, TX | Address | Popularity Score | Distance from Buffalo (miles) |
|---|---|---|---|---|
| State Farm | Brett Weisenburn | 2908 W Oak St, Palestine, TX, 75801-5404 | 31.5 | |
| Travelers | Crockett Insurance Service | 206 S 5th St, Crockett, TX, 75835 | 34.8 | |
| Allstate | Tatom Insurance | 882 Robb St., Trinity, TX, 75862 | 50.0 | |
| Farmers | Debra Mccann | 105 Acr 145, Palestine, TX, 75801 | 33.6 | |
| Farmers | Stephanie Burns | 942s Highway 84 W, Teague, TX, 75860 | 21.8 | |
| Travelers | Huffman Insurance Agency | 1105 North 8th Ave, Teague, TX, 75860 | 21.1 | |
| Farmers | Bryan Robinson | 732 W Commerce St, Buffalo, TX, 75831 | 3.8 | |
| Allstate | Stover&Crouch | 716 S Madison, Madisonville, TX, 77864 | 33.1 | |
| State Farm | Lona Mauk | 710 E Crscn St, Athens, TX, 75751-2627 | 47.6 | |
| Travelers | Huffman Insurance Agency | 1105 N 8th Ave, Teague, TX, 75860 | 21.0 |
| 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 |
| Leon County, TX | $102,300 | $1,064 | $700 | $1,640 | $940 |
| Buffalo, TX | $80,600 | $1,012 | $670 | $1,560 | $890 |
| Jewett, TX | $74,100 | $1,388 | $920 | $2,140 | $1,220 |
| Centerville, TX | $111,000 | $1,567 | $1,030 | $2,410 | $1,380 |
| Oakwood, TX | $74,300 | $1,389 | $920 | $2,140 | $1,220 |
| Personville, TX | $105,500 | $1,544 | $1,020 | $2,380 | $1,360 |
| Latexo, TX | $39,500 | $1,163 | $770 | $1,790 | $1,020 |
| Kosse, TX | $68,500 | $1,356 | $890 | $2,090 | $1,200 |
| Grapeland, TX | $70,400 | $972 | $640 | $1,500 | $860 |
| Robertson County, TX | $93,900 | $1,060 | $700 | $1,630 | $930 |
| Coolidge, TX | $53,400 | $1,261 | $830 | $1,940 | $1,110 |
| Angus, TX | $81,900 | $1,431 | $940 | $2,200 | $1,260 |