Gavop's guide to buying homeowners insurance in Katy, 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.
| Katy, TX - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Blanchard Grove Dr, Hunting Valley Ct, Stockade Dr, Kyler Cove Ln, Huggins Dr, Chicory Chase Ct, Costal Grove Ln, Windemere Park Ln, Roundhill Ct, Mills Lake Ct | $199,500 | $170,000 | $175,000-$200,000 | $308,500 | $250,000 | $200,000-$250,000 |
| Stirrup Rd, Forest Pine Ln, Bent Hollow Ln, Sienna Terrace Ln, Dusty Manor Ln, Saddlespur Ln, Lily Glen Ct, Emberwood Falls Dr, Overbrook Terrace Ct, N Fulshear Dr | $256,000 | $210,000 | $200,000-$250,000 | $445,000 | $360,000 | $350,000-$400,000 |
| Myrtle Lake Ln, Buckskin, Granger Oaks Ct, Jewel Springs Ln, Sand Pnes, Sandy Arbor Ln, Buckthorn Dr, Greenwell Springs Dr, Alpine Trail Ln, Harris St | $254,000 | $230,000 | $250,000-$300,000 | $289,000 | $250,000 | $200,000-$250,000 |
| Gadwall Dr, Tumbleweed Dr, Avonbury Ln, Rainbluff Ln, Stonestead Dr, Lago Vista Ln, Evans Grove Ln, Ellerbe Springs Ln, Little Stone Ln, Pepper Sage Ln | $147,500 | $120,000 | $150,000-$175,000 | $335,000 | $300,000 | $250,000-$300,000 |
| Silver Thistle Ln, Carlton Springs Ln, Touhy Lake Dr, Swallows Cove Ln, Red Yucca, Britton Ridge Dr, Love Rd, Cottage Oak Ln, Westwind Garden Pass, Willow Bend | $134,000 | $120,000 | $125,000-$150,000 | $296,500 | $270,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$159 | $836 |
| Superior Protection Discount | -$100 | $896 |
| Fire & Security Discount | -$80 | $916 |
| Hail Resistant Roof Discount | -$30 | $966 |
| Newly Constructed Home Discount | -$249 | $747 |
| 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 |
| Fort Bend County | $1,000 | $1,272 | $2,272 | $925 | $1,925 | $348 |
| Katy, TX | $2,000 | $984 | $2,984 | $715 | $2,715 | $269 |
| Orchard, TX | $500 | $1,656 | $2,156 | $1,203 | $1,703 | $453 |
| Sugar Land, TX | $2,000 | $1,269 | $3,269 | $922 | $2,922 | $347 |
| Bunker Hill Village, TX | $400 | $1,306 | $1,706 | $949 | $1,349 | $357 |
| Hedwig Village, TX | $700 | $1,098 | $1,798 | $798 | $1,498 | $300 |
| Stagecoach, TX | $100 | $2,060 | $2,160 | $1,497 | $1,597 | $563 |
| Porter Heights, TX | $700 | $1,665 | $2,365 | $1,210 | $1,910 | $455 |
| Sheldon, TX | $300 | $1,333 | $1,633 | $969 | $1,269 | $364 |
| Conroe, TX | $1,500 | $1,404 | $2,904 | $1,020 | $2,520 | $384 |
| Garwood, TX | $100 | $1,401 | $1,501 | $1,018 | $1,118 | $383 |
| Morgan's Point, TX | $700 | $1,802 | $2,502 | $1,310 | $2,010 | $492 |
| Home Insurance Company Katy, TX | Homeowners Insurance Agency Katy, TX | Address | Popularity Score | Distance from Katy (miles) |
|---|---|---|---|---|
| State Farm | Jerry Kroll | 402 W Grand Pkwy S Ste 100, Katy, TX, 77494-8336 | 3.1 | |
| State Farm | Lisa Reyes-Mccurry | 20501 Katy Fwy Ste 130, Katy, TX, 77450-1940 | 5.9 | |
| State Farm | Jay Moyer | 17756 Katy Fwy Ste 5, Houston, TX, 77094-1331 | 8.4 | |
| State Farm | Cesar Saldivia | 8945 S Fry Rd Ste C, Katy, TX, 77494-8416 | 5.6 | |
| Farmers | Jonda Marshall | 2002 Fry Rd Ste 111, Houston, TX, 77084 | 6.5 | |
| State Farm | Kyle Lindner | 430 S Mason Rd Ste 112, Katy, TX, 77450-2448 | 4.6 | |
| Nationwide | Kathye Carpenter | 15915 Katy Freeway Suite 610, Houston, TX, 77094 | 10.0 | |
| State Farm | Nick Castillo | 503 1/2 Illinois St, South Houston, TX, 77587-4241 | 36.7 | |
| Travelers | Insurance Associates Of The Southwest | 11111 Katy Freeway Ste 400, Houston, TX, 77079 | 15.0 | |
| State Farm | Martha Groth | 2919 Barker Cypr Rd Ste F, Houston, TX, 77084-6869 | 8.5 |
| 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 |
| Fort Bend County, TX | $233,300 | $1,288 | $850 | $1,980 | $1,130 |
| Katy, TX | $164,500 | $996 | $660 | $1,530 | $870 |
| Orchard, TX | $140,900 | $1,676 | $1,110 | $2,580 | $1,470 |
| Sugar Land, TX | $231,300 | $1,285 | $850 | $1,980 | $1,130 |
| Bunker Hill Village, TX | $1,355,100 | $1,322 | $870 | $2,040 | $1,170 |
| Hedwig Village, TX | $1,010,700 | $1,111 | $730 | $1,710 | $980 |
| Stagecoach, TX | $302,200 | $2,085 | $1,380 | $3,210 | $1,830 |
| Porter Heights, TX | $143,600 | $1,685 | $1,110 | $2,590 | $1,480 |
| Sheldon, TX | $67,400 | $1,349 | $890 | $2,080 | $1,190 |
| Conroe, TX | $167,400 | $1,421 | $940 | $2,190 | $1,250 |
| Garwood, TX | $79,500 | $1,418 | $940 | $2,180 | $1,240 |
| Morgan's Point, TX | $195,500 | $1,824 | $1,200 | $2,810 | $1,610 |