Beaumont Insurance Rates:

Beaumont, TX home insurance is approximately $866 to $1,173, about $72-$97/month. Our all inclusive research reveals consumers can save upto $407 by getting many quotes

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Beaumont Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Travelers
Home Insurance Rate of $790/6 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $165,000

3 Beds, 3 Baths 2290 sqft Rental Property Constructed In 1969 with Ceramic Tile Flooring, Slate Shingles Roof, Slab Foundation, Wood siding, Stucco Construction. Home Features Include Smoke Alarm, Fire Extinguisher, Swimming Pool, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

71 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $850/8 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $200,000

4 Beds, 4 Baths 3240 sqft Seasonal Residence Constructed In 2012 with Carpet over wood flooring, Wood Shake Roof, Chainwall Foundation, Wood siding, Wood Frame. Home Features Include Deadbolt Locks, Fireplace, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $480/9 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $70,000

2 Beds, 2 Bath 1080 sqft Vacation Property Constructed In 1971 with Carpet Flooring, Shingles Roof, Crawl Space Foundation, Vinyl siding, Brick Frame. Home Features Include Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

73 Years old Divorced Male who has a Full Time Job with household income of more than $150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $70/1 month for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $95,000

3 Beds, 3 Bath 1280 sqft Primary Residence Constructed In 1970 with Carpet Flooring, Asphalt Shingles Roof, Piers Foundation, Vinyl siding, Wood Frame. Home Features Include Deadbolt Locks, Fire Extinguisher, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

69 Years old Single Female who is Retired with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

  • Guests at home

Beaumont, TX Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
77708 $94,400 $1,020
77702 $89,100 $1,020
77705 $74,500 $1,010
77703 $53,700 $1,000
77701 $53,100 $1,000
77706 $157,900 $1,050
77713 $125,200 $1,040
77707 $107,300 $1,030

Beaumont Rates & Quotes Analysis:

Beaumont Area Estimated House Insurance
Earl St, N Willowood Ln, Tenaha St, Wade St, Brace Dr, Galveston St, Redwood Dr, Austin St, Cherrywood Dr, Johns St$990
Roland Rd, Bankston Rd, Brownstone Pl, Maple Ave, McGee Ln, Vw & R Dr, Emile St, S Garden Dr, Robinson St, N 21st St$993
Forest Glen, Jean Dr, Augusta Dr, Phillips St, Dewey St, Ashley Ave, Mitchell Ln, Townhouse Ln, Camellia Dr, E Caston St$992
Lantern Dr, Rolling Hills Dr, Rice Cir, Chepeg St, Merion, W Florida Ave, Simmons Ave, Bun St, Southern Pacific Ave, Cement St$1,030
Falsworth Dr, Spindletop Ave, E Clubb Rd, Margaret Ln, Drennan Dr, Sunnydale St, Pleasant Bend Dr, Dickinson St, Donna Ln, Evergreen Ln$1,016
Wildwood Dr, Gardner St, Fulbright Rd, Masterson Dr, Jenard St, N 14th St, Melrose St, Woodridge St, Southern Pacific Rd, Silver St$1,019
Holland Dr, N 2nd St, Manion Ct, Wier Dr, E Florida Ave, Crescent Dr, Best Rd, Heights Ave, Spring St, E Delaware St$1,093
Crossmeadow Dr, Hidden Valley Dr, Opal St, Seagull Ln, Tyrrell Park Rd, Galewood Ln, N 19th St, Norwalk Ln, Hodgson Rd, Smart Dairy Ln$1,035
Thoreau St, Ridgeland Dr, George St, Washington St, Monterrey Dr, Ivy Ln, Jirou St, Averill St, Lake Placid, Sunnyside Dr$1,030
Arthur St, Sheridan Pl, Ted Roll Ln, Ollie St, Broadoak, Capo St, W Caldwood Dr, Sarah St, Falcon Ln, Terry St$1,004

Insurance rates are influenced by a number of factors including:

  • Year Built: 7,387 Homes (14% of total) built between 1960 to 1969 in Beaumont are paying home insurance between $1,784-$1,799 and differs from Rose Hill Acres (+$17), Bevil Oaks (+$28), Central Gardens (+$12), Rose City (-$37) and Pine Forest (-$15).
  • Bedrooms: 15,074 2 bedrooms homes (30% of total homes ) in Beaumont are paying about $622. Areas near to Beaumont such as Rose Hill Acres, Bevil Oaks, Central Gardens are costlier by $6, $10, $4 respectively whereas Rose City and Pine Forest are more economical by $13, $5 respectively for similar homes.
  • Auto Insurance Bundling: 5,728 Households (21% of all households) in Beaumont have 3 or more vehicles available and when it is bundled with home insurance you can save $254 compared to Rose City ($249), Rose Hill Acres ($257), Bevil Oaks ($258).
  • Senior Discounts: 13,763 seniors (more than 55 years) occupied housing units (52% of total) in Beaumont get discounts between $152 to $155 and varies from Rose City ($149), Rose Hill Acres ($154), Bevil Oaks ($155).
  • New Homes discounts: New homes such as the 19,327 homes built between 2000 to 2009 in Beaumont can save $203 and similar new home insurance discounts in nearby towns and cities like Rose City, Rose Hill Acres and Bevil Oaks are $199, $205 and $207 respectively.

Beaumont Homeowners insurance Facts

  • Beaumont, TX has 26,310 owner occupied houses which is 57.8% of all units whereas Rose City, Rose Hill Acres and Bevil Oaks have 77.78%, 88.14% and 97.39% respectively.
  • Beaumont, TX homeowners yearly insurance price at $1,019 is 1.04% of the typical house value of $98,100 which is in contrast with 1.59% in Rose City, 0.88% at Rose Hill Acres & 0.81% in Bevil Oaks.
  • Homeowners in Beaumont, TX pay 4.53% of their income ($20,000 to $24,999) in insurance whereas homeowners in Rose City, Rose Hill Acres and Bevil Oaks pay 4.44%, 4.57% and 4.6% respectively.
  • Beaumont, TX’s insurance is 7.0% of monthly housing costs of $1,219/month, for owners with a mortgage compared to 7.77% in Rose City, 7.42% at Rose Hill Acres & 7.03% in Bevil Oaks. But, for households without a mortgage, insurance is 20.0% of costs ($424 in Beaumont, TX) in contrast with 24.75% in Rose City, 20.27% at Rose Hill Acres & 16.98% in Bevil Oaks.

Beaumont, TX Home Values & Insurance rates

For example, insurance for 3,126 Homes (12.0% of total homes ) valued between $100,000 to $124,999 in Beaumont, TX is about $1,141. Rates in nearby areas in such as Rose Hill Acres, Bevil Oaks, Central Gardens are cheaper by $185, $251, $116 respectively while Rose City and Pine Forest are costlier by $605 and $192 respectively for similar homes.

Beaumont, TX Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 4,930 19.0% $254
$50,000 to $59,999 1,701 6.0% $540
$60,000 to $69,999 1,638 6.0% $672
$70,000 to $79,999 1,384 5.0% $774
$80,000 to $89,999 2,168 8.0% $876
$90,000 to $99,999 1,655 6.0% $978
$100,000 to $124,999 3,126 12.0% $1141
$125,000 to $149,999 2,133 8.0% $1426
$150,000 to $174,999 2,062 8.0% $1681
$175,000 to $199,999 1,184 4.0% $1946
$200,000 to $249,999 1,698 6.0% $2333
$250,000 to $299,999 852 3.0% $2853
$300,000 to $399,999 725 2.0% $3627

Renters Insurance in Beaumont

  • Average Renters Insurance in Beaumont :  $222($18/month)

  • Median Gross Rent in Beaumont :  $745

  • Beaumont Renters Insurance to Median Rent Ratio:  2.42%

  • Average household size of renter-occupied unit :  2.36

Beaumont Renters Insurance as a Percentage of Rent

Beaumont Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 441 2.0% $355
$200 to $299 956 5.0% $805
$300 to $499 2,169 11.0% $1255
$500 to $749 5,610 30.0% $1930
$750 to $999 5,417 29.0% $2680
$1,000 to $1,499 2,816 15.0% $3805
$1,500 or more 710 3.0% $5455

Rent Affordability in Beaumont:

Approximately 49.0% (9,513) of households are spending more than 35% of their income on gross rent in Beaumont

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 3,010 15.0%
15.0 to 19.9 percent 1,800 9.0%
20.0 to 24.9 percent 2,132 11.0%
25.0 to 29.9 percent 1,557 8.0%
30.0 to 34.9 percent 1,190 6.0%
35.0 percent or more 9,513 49.0%

Protective device discount in Beaumont Up to :  $33

Claims-free discount in Beaumont Up to :  $44