Gavop's guide to buying homeowners insurance in Smith 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.
| Smith 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 | |
| Aurora Dr, Co Rd 2118, Beacons Jet Ct, Christine St, Las Vegas Dr, Mills Rd, la Salle Rd, Winchester Dr, Birch Pl, Eagle St | $153,000 | $140,000 | $125,000-$150,000 | $152,000 | $130,000 | $125,000-$150,000 |
| FM 2710, Caldwell Blvd, Equestrian Ln, Hollytree Dr, Shelby Ln, Iberville Dr, Raleigh Dr, Co Rd 1178, Bluewaters Ln, Chad Dr | $278,500 | $260,000 | $300,000-$350,000 | $144,500 | $130,000 | $125,000-$150,000 |
| Co Rd 1149, Rosanah St, Mobile Dr, Co Rd 324, Nimitz St, Plaza, Hagan Rd, Co Rd 4185, Lamp Post Cv, Trailwood Ct | $253,000 | $240,000 | $200,000-$250,000 | $132,000 | $120,000 | $125,000-$150,000 |
| N Horace Ave, N Broadway Ave, Co Rd 3112 N, Wood Springs Rd, Co Rd 1115, Greenway Cir, Co Rd 2170, Boney Dr, E Erwin St, Holly Hill Dr | $74,000 | $60,000 | $50,000-$75,000 | $73,500 | $60,000 | $75,000-$100,000 |
| Co Rd 363, Co Rd 220, North Dr, Vine Heights St, Baldwin Dr, W 10th St, Dudley Rd, Navasota Dr, N Georgia St, Oakleigh Dr | $86,500 | $70,000 | $75,000-$100,000 | $103,000 | $90,000 | $75,000-$100,000 |
| Arizona Dr, Golden Horseshoe Ln, Cedar Ln, Cascades Blvd, Champion Dr, S Donnybrook Ave, Todd Rd, Co Rd 1287, Buck Dr, Cherokee Way | $130,500 | $110,000 | $100,000-$125,000 | $156,500 | $130,000 | $150,000-$175,000 |
| Shadywood Dr, Community Ln, Big Eddy Rd, Old FM 344, Pine Springs Dr, Brownwood Cir, Wild Country Dr, Co Rd 448, San Mateo Ln, Lowry St | $158,500 | $150,000 | $150,000-$175,000 | $109,500 | $100,000 | $75,000-$100,000 |
| Hill Top Dr, Timberline Dr, Surrey Ln, Azalea Trl, Co Rd 1114, Morningside Dr, Brooks Dr, S Azalea Dr, N Whitten Ave, Armadillo Dr | $165,000 | $140,000 | $150,000-$175,000 | $100,000 | $90,000 | $75,000-$100,000 |
| S Bay Dr, Sugar Maple Ct, Pleasant Hill Cir, Neches Pkwy, Hillcrest Rd, Co Rd 336, Barbara St, Parkview Dr, Co Rd 1128, Timber Creek Cir | $102,000 | $90,000 | $100,000-$125,000 | $71,500 | $60,000 | $50,000-$75,000 |
| Cambridge Dr, Co Rd 454, Morningside Dr, Live Oak Dr, FM 850, Greg Ln, Acker Tap, Fairfax Dr, Cottontail Trl, Stoney Glen Cir | $141,000 | $110,000 | $100,000-$125,000 | $114,500 | $100,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$243 | $1,277 |
| Superior Protection Discount | -$152 | $1,368 |
| Fire & Security Discount | -$167 | $1,353 |
| Hail Resistant Roof Discount | -$46 | $1,474 |
| Newly Constructed Home Discount | -$426 | $1,094 |
| 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 |
| Smith County | $2,500 | $1,502 | $4,002 | $1,091 | $3,591 | $410 |
| Smith County, TX | $2,500 | $1,502 | $4,002 | $1,091 | $3,591 | $410 |
| Winona, TX | $500 | $958 | $1,458 | $696 | $1,196 | $262 |
| Price-Turnertown, TX | $2,000 | $1,403 | $3,403 | $1,020 | $3,020 | $383 |
| Poynor, TX | $200 | $1,528 | $1,728 | $1,111 | $1,311 | $418 |
| Upshur County, TX | $1,000 | $1,395 | $2,395 | $1,014 | $2,014 | $381 |
| Grand Saline, TX | $100 | $994 | $1,094 | $722 | $822 | $272 |
| Henderson County, TX | $1,000 | $1,347 | $2,347 | $979 | $1,979 | $368 |
| Cherokee County, TX | $300 | $1,344 | $1,644 | $976 | $1,276 | $367 |
| Leesburg-Newsome, TX | $2,500 | $1,389 | $3,889 | $1,010 | $3,510 | $380 |
| Emory, TX | $400 | $998 | $1,398 | $725 | $1,125 | $273 |
| Star Harbor, TX | $700 | $1,820 | $2,520 | $1,323 | $2,023 | $497 |
| Home Insurance Company Smith County, TX | Homeowners Insurance Agency Smith County, TX | Address | Popularity Score | Distance from Smith County (miles) |
|---|---|---|---|---|
| Travelers | Bergfeld Agency Llc | 2001 S Donnybrook, Tyler, TX, 75701 | 3.7 | |
| Allstate | Jeremy Millar | 514 E Corsicana St Ste B, Athens, TX, 75751 | 36.0 | |
| Farmers | Darin Anthony | 810 N Hill St, Tatum, TX, 75691 | 43.8 | |
| Travelers | Watkins Insurance Group | 2220 Grande Blvd, Tyler, TX, 75703 | 7.4 | |
| State Farm | Jeremy Harmel | 1910 S Jackson, Jacksonville, TX, 75766-5852 | 29.9 | |
| State Farm | Yvette Brunette | 6760 Old Jcksnvl Hwy Ste 104, Tyler, TX, 75703-0569 | 8.7 | |
| Farmers | Joe Williams | 2308 W Gentry Pkwy, Tyler, TX, 75702 | 3.4 | |
| Liberty Mutual Independent | Hill Insurance Agency Lp | 113 N 4th St, Wills Point, TX, 75169 | 48.9 | |
| State Farm | George Rowe | 6616 S. Broadway, Tyler, TX, 75703-3724 | 7.1 | |
| State Farm | Rick Johns | 100 N 4th St, Wills Point, TX, 75169-2041 | 48.9 |
| 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 |
| Smith County, TX | $144,800 | $1,520 | $1,000 | $2,340 | $1,340 |
| Smith County, TX | $144,800 | $1,520 | $1,000 | $2,340 | $1,340 |
| Winona, TX | $99,200 | $970 | $640 | $1,490 | $850 |
| Price-Turnertown, TX | $80,000 | $1,420 | $940 | $2,190 | $1,250 |
| Poynor, TX | $106,300 | $1,547 | $1,020 | $2,380 | $1,360 |
| Upshur County, TX | $111,600 | $1,412 | $930 | $2,170 | $1,240 |
| Grand Saline, TX | $104,500 | $1,006 | $660 | $1,550 | $890 |
| Henderson County, TX | $99,000 | $1,364 | $900 | $2,100 | $1,200 |
| Cherokee County, TX | $98,200 | $1,360 | $900 | $2,090 | $1,190 |
| Leesburg-Newsome, TX | $77,400 | $1,406 | $930 | $2,170 | $1,240 |
| Emory, TX | $123,100 | $1,010 | $670 | $1,560 | $890 |
| Star Harbor, TX | $203,400 | $1,842 | $1,220 | $2,840 | $1,620 |