Gavop's guide to buying homeowners insurance in Lampasas County, 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.
| Lampasas County, 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 4711, Deer Run, Farm Rd 1047, Coffee St, N Walnut St, Co Rd 4034, Co Rd 4126, Co Rd 348, Coleman Dr, Co Rd 15 | $130,000 | $120,000 | $125,000-$150,000 | $102,500 | $90,000 | $75,000-$100,000 |
| Oak St, Co Rd 37, Co Rd 1299, Co Rd 4016, Co Rd 115, Co Rd 73, Co Rd 231, Brook St, Crider Ln, Co Rd 4030 | $99,000 | $90,000 | $75,000-$100,000 | $135,500 | $120,000 | $150,000-$175,000 |
| Standefer St, N 3rd St, Co Rd 39, Cr 3665, Co Rd 289, Choctaw Trl, Co Rd 4703, W 10th St, S Rice St, Pvt Rd 4872 | $240,500 | $210,000 | $200,000-$250,000 | $100,000 | $80,000 | $75,000-$100,000 |
| Co Rd 234, Pvt Rd 4872 A, Conductor, Bridge St, Co Rd 3790, 244, Co Rd 44, Co Rd 2, Cr 2400, Co Rd 4964 | $230,000 | $220,000 | $250,000-$300,000 | $104,000 | $100,000 | $100,000-$125,000 |
| Co Rd 4745, Key Ave, Cherry St, 9th St, Co Rd 128, Co Rd 3731, Co Rd 2800, Boys Ranch Rd, W Ave A, Co Rd 336 | $168,000 | $140,000 | $125,000-$150,000 | $107,500 | $90,000 | $100,000-$125,000 |
| Co Rd 341, Co Rd 75, E Ave D, Co Rd 6, High St, Co Rd 4766, Co Rd 2657, Co Rd 32, Freedom Ln, E Ave H | $112,000 | $90,000 | $125,000-$150,000 | $76,000 | $70,000 | $50,000-$75,000 |
| Santa Fe, Cr 3463, Co Rd 3068, Sunrise Hls, Co Rd 264, Cr 3220, N Rice St, Hillside Dr, Co Rd 2080, Co Rd 31 | $138,500 | $110,000 | $150,000-$175,000 | $147,000 | $120,000 | $150,000-$175,000 |
| Co Rd 4746, Co Rd 2509, Farm Rd 1690, Co Rd 4830, Co Rd 4313, Nix Rd, Co Rd 4000, Co Rd 3106, Ranch Rd, 4315 | $131,500 | $120,000 | $100,000-$125,000 | $154,500 | $140,000 | $150,000-$175,000 |
| Deb Lynn Ave, Pr 3636, Farm Rd 3170, Co Rd 2315, Co Rd 3220, Cr 3300, Co Rd 2773, Co Rd 5, Co Rd 4765, Co Rd 3730 | $99,500 | $90,000 | $75,000-$100,000 | $89,500 | $80,000 | $75,000-$100,000 |
| Pr 3180, Co Rd 3061, Co Rd 34, Old Austin Rd, Co Rd 2998, Co Rd 4360, W Ave C, Co Rd 3270, Castleberry St, Paisano Ln | $92,500 | $80,000 | $75,000-$100,000 | $79,500 | $70,000 | $50,000-$75,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$133 | $816 |
| Superior Protection Discount | -$95 | $854 |
| Fire & Security Discount | -$104 | $844 |
| Hail Resistant Roof Discount | -$19 | $929 |
| Newly Constructed Home Discount | -$275 | $673 |
| 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 |
| Lampasas County | $2,000 | $937 | $2,937 | $681 | $2,681 | $256 |
| Lampasas County, TX | $2,500 | $937 | $3,437 | $681 | $3,181 | $256 |
| Coryell County, TX | $100 | $1,381 | $1,481 | $1,004 | $1,104 | $377 |
| Bertram, TX | $1,000 | $1,701 | $2,701 | $1,236 | $2,236 | $465 |
| San Saba County, TX | $400 | $994 | $1,394 | $722 | $1,122 | $272 |
| Killeen, TX | $2,000 | $1,456 | $3,456 | $1,058 | $3,058 | $398 |
| Florence, TX | $200 | $1,082 | $1,282 | $786 | $986 | $296 |
| Highland Haven, TX | $700 | $2,045 | $2,745 | $1,486 | $2,186 | $559 |
| Liberty Hill, TX | $300 | $1,712 | $2,012 | $1,244 | $1,544 | $468 |
| Horseshoe Bay, TX | $2,000 | $2,327 | $4,327 | $1,691 | $3,691 | $636 |
| Hico, TX | $300 | $1,491 | $1,791 | $1,083 | $1,383 | $407 |
| Cranfills Gap, TX | $700 | $1,695 | $2,395 | $1,232 | $1,932 | $463 |
| Home Insurance Company Lampasas County, TX | Homeowners Insurance Agency Lampasas County, TX | Address | Popularity Score | Distance from Lampasas County (miles) |
|---|---|---|---|---|
| Allstate | Evans Ewan & Brady | 2404 Williams Dr, Georgetown, TX, 78628 | 49.4 | |
| Farmers | Emily Kirkpatrick | 701 N Main St, Belton, TX, 76513 | 47.1 | |
| Liberty Mutual Independent | Dady Insurance Agency | 3609 Williams Dr Ste 101, Georgetown, TX, 78628 | 48.6 | |
| Farmers | John M. Clark | 7600 Highway 29 W Ste 4, Georgetown, TX, 78628 | 46.1 | |
| Farmers | Amanda Easley | 3402 E Veterans Memorial Blvd, Killeen, TX, 76543 | 32.5 | |
| Farmers | Lauren Doering | 1530 Sun City Blvd Ste 140, Georgetown, TX, 78633 | 45.3 | |
| Farmers | Kirk Spradlin | 5112 S General Bruce Dr Ste A, Temple, TX, 76502 | 50.1 | |
| State Farm | Shane Stewart | 301 Gateway N Ste A, Marble Falls, TX, 78654-6317 | 43.7 | |
| State Farm | Allison Dickmann | 4402 Williams Dr Ste 105, Georgetown, TX, 78628-1388 | 47.2 | |
| State Farm | Ross Caviness | 2201 S W S Yng Dr Ste 105, Killeen, TX, 76543-5317 | 31.6 |
| 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 |
| Lampasas County, TX | $136,800 | $948 | $630 | $1,460 | $830 |
| Lampasas County, TX | $136,800 | $948 | $630 | $1,460 | $830 |
| Coryell County, TX | $107,700 | $1,398 | $920 | $2,150 | $1,230 |
| Bertram, TX | $155,800 | $1,722 | $1,140 | $2,650 | $1,510 |
| San Saba County, TX | $97,000 | $1,006 | $660 | $1,550 | $890 |
| Killeen, TX | $129,300 | $1,473 | $970 | $2,270 | $1,300 |
| Florence, TX | $275,700 | $1,095 | $720 | $1,690 | $970 |
| Highland Haven, TX | $297,400 | $2,070 | $1,370 | $3,190 | $1,820 |
| Liberty Hill, TX | $159,700 | $1,733 | $1,140 | $2,670 | $1,530 |
| Horseshoe Bay, TX | $366,500 | $2,355 | $1,550 | $3,630 | $2,080 |
| Hico, TX | $97,800 | $1,509 | $1,000 | $2,320 | $1,320 |
| Cranfills Gap, TX | $153,600 | $1,716 | $1,130 | $2,640 | $1,510 |