Edinburg Insurance Rates:

Edinburg, TX home insurance is roughly $862 to $1,170, about $71-$97/month. Our exhaustive guide indicates shoppers can save upto $406 by getting many quotes

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Edinburg, Texas Homeowners share details on the cheapest & most trustworthy home insurance companies for you to compare & get great deals.

Edinburg Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Allstate
Home Insurance Rate of $570/8 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $130,000

4 Beds, 4 Baths 1680 sqft Primary Residence Constructed In 1998 with Stone Flooring, Tile Roof, Chainwall Foundation, Vinyl siding, Brick Frame. Home Features Include Smoke Alarm, Indoor Sprinklers, Copper Water Pipes, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

30 Years old Single Female who is a Freelancer with household income of $100-$150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $500/7 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $160,000

3 Beds, 3 Bath 2060 sqft Seasonal Residence Constructed In 1983 with Wood Flooring, Asphalt Shingles Roof, Slab Foundation, Brick siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Copper Water Pipes, Swimming Pool, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

69 Years old Single Female who has a Full Time Job with household income of more than $150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $500/9 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $90,000

3 Beds, 3 Baths 1530 sqft Seasonal Residence Constructed In 2006 with Wood Flooring, Slate Shingles Roof, Piers Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Copper Water Pipes, Smoke Alarm, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

31 Years old Married Male who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $450/5 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $125,000

4 Beds, 4 Baths 2270 sqft Primary Residence Constructed In 2011 with Stone Flooring, Membrane Roof, Chainwall Foundation, Stucco siding, Metal Frame Construction. Home Features Include Fireplace, Copper Water Pipes, Central Air Conditioning, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

65 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

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

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $470/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $230,000

5 Beds, 5 Baths 2870 sqft Rental Property Constructed In 1988 with Wood Flooring, Slate Shingles Roof, Chainwall Foundation, Wood siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Fireplace, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

48 Years old Married Male who is a Freelancer with household income of more than $150,000 and has 2 Pets and is a Smoker

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

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $190/2 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $155,000

3 Beds, 3 Bath 2380 sqft Vacation Property Constructed In 1989 with Hardwood Flooring, Shingles Roof, Slab Foundation, Wood siding, Wood Frame. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

66 Years old Divorced Male who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

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

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $570/7 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $150,000

4 Beds, 4 Baths 1970 sqft Primary Residence Constructed In 1992 with Ceramic Tile Flooring, Shingles Roof, Piers Foundation, Wood siding, Brick Frame. Home Features Include Copper Water Pipes, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

58 Years old Divorced Male who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Edinburg, TX Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
78539 $107,100 $1,030

Edinburg Rates & Quotes Analysis:

Edinburg Area Estimated House Insurance
Los Aguacates St, Monte Christo St, Popotillo, Baccarette St, Illusivo Ave, Mesa Dr, Bar Mar Ln, Grayson Ave, Easy St, N Sylvia Dr$1,025
E Cano St, Limeade Ave, E Schunior, W Nightingale Ave, Cibolo Dr, Luz Escobado, Chelsea Ln, E Jay Ave, S 6th Ave, Northern Lights Ave$1,056
E Mendoza St, Mina de Oro, San Felipe St, V-W Ct, Ansley Dr, View Point Dr, Lomita St, Seattle Slew, E Duke Ave, English Ave$1,030
Chance Ln, E Xenops Ave, Andrea St, Lake Shore Dr, Joan Dr, Summit Ct, Verbena St, N 33rd Ln, Park Place Dr, S 5th Ave$993
W Fay St, Pelican Rd, Barb Mar Ln, Okeechobee, Duke Ave, Terry Rd, E de la Rosa St, W University Dr, Nava Rd, Gala Ave$999
Corina Dr, Gwin Rd, Opal, Canton Rd, Cll Paris, Stonehill, Cornell Ave, Cambride Ln, N Flipper Dr, Trout Ct$1,006
S Monmack Rd, Diana Dr, N 12th Ave, Cll Divina, Providence Dr, N Big 5 Rd, Valero Ln, Nightingale Ave, San Jacinto Ave, N 1st Lane Ct$1,013
Monte Christo St, S 23rd Ave, Owen Dr, Horizon Trl, S Persimmon Ave, Warbler Ave, Imperial Ln, Val Verde Vista St, W Cano St, Sevilla Dr$1,001
Magnolia Cir, Denton Creek Ave, Mynah, W Jefferson Ave, W Efrain St, Tagle St, W Gyr St, N Benji Cir, Nora Dr, Valencia$1,037
Loyola Ave, Kilgore Ave, Northgate Ln, N 21st Ave, Crystal Falls Ave, N 14th Ave, N Turquoise, E Sevilla Blvd, N Granrey Dr, S Zepher Ave$1,041

Insurance rates are influenced by a number of factors including:

  • Year Built: 12,791 Homes (26% of total homes ) built between 1990 to 1999 in Edinburg are paying home insurance between $1,467-$1,482. Places close to Edinburg, TX such as McAllen, Palmhurst, Progreso Lakes are more expensive by $10, $42, $101 respectively while Doolittle and Hidalgo County are cheaper by $33 and $14 respectively for similar homes.
  • Bedrooms: 21,901 3 bedrooms homes (46% of total homes ) in Edinburg are paying about $804. Areas near to Edinburg such as Palmhurst, Progreso Lakes, La Feria North are costlier by $12, $33, $18 respectively whereas Doolittle and Faysville are more economical by $18, $17 respectively for similar homes.
  • Auto Insurance Bundling: 12,273 Households (42% of all households) in Edinburg have 2 vehicles available and when it is bundled with home insurance you can save $203 and differs from Doolittle ($198), Faysville ($204), Hidalgo County ($201).
  • Senior Discounts: 9,364 seniors (more than 55 years) occupied housing units (32% of total) in Edinburg get discounts between $152 to $154. The comparative concessions in proximate regions such as Doolittle, Faysville and Hidalgo County are $149, $153 and $151 respectively.
  • New Homes discounts: New homes such as the 32,757 homes built between 2000 to 2009 in Edinburg can save $203 in contrast with Doolittle ($198), Faysville ($204), Hidalgo County ($201).

Edinburg Homeowners insurance Facts

  • Edinburg, TX has 28,643 owner occupied houses which is 66.8% of all units whereas Doolittle, Faysville and Hidalgo County have 86.82%, 42.86% and 69.02% respectively.
  • Edinburg, TX homeowners yearly insurance price at $1,017 is 1.09% of the typical house value of $93,300 which is in contrast with 1.86% in Doolittle, 0.98% at Faysville & 1.31% in Hidalgo County.
  • Homeowners in Edinburg, TX pay 1.77% of their income ($45,000 to $49,999) in insurance whereas homeowners in Doolittle, Hidalgo County and Murillo pay 1.73%, 1.75% and 1.77% respectively.
  • Edinburg, TX’s insurance is 6.9% of monthly housing costs of $1,224/month, for owners with a mortgage compared to 10.97% in Doolittle, 7.78% at Hidalgo County & 7.12% in Murillo. But, for households without a mortgage, insurance is 23.2% of costs ($366 in Edinburg, TX) in contrast with 23.87% in Doolittle, 24.18% at Hidalgo County & 25.53% in Murillo.

Edinburg, TX Home Values & Insurance rates

For example, insurance for 1,573 Homes (5.0% of total homes ) valued between $50,000 to $59,999 in Edinburg, TX is about $569. Rates in nearby areas in such as Murillo, McAllen, Las Palmas II are cheaper by $10, $78, $49 respectively while Doolittle and Hidalgo County are costlier by $405 and $115 respectively for similar homes.

Edinburg, TX Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 6,778 24.0% $264
$50,000 to $59,999 1,573 5.0% $569
$60,000 to $69,999 1,717 6.0% $701
$70,000 to $79,999 1,811 6.0% $813
$80,000 to $89,999 1,869 6.0% $925
$90,000 to $99,999 1,762 6.0% $1027
$100,000 to $124,999 4,056 14.0% $1189
$125,000 to $149,999 2,585 9.0% $1494
$150,000 to $174,999 1,958 6.0% $1769
$175,000 to $199,999 1,313 4.0% $2034
$200,000 to $249,999 1,399 4.0% $2450
$250,000 to $299,999 717 2.0% $3000
$300,000 to $399,999 584 2.0% $3813

Renters Insurance in Edinburg

  • Average Renters Insurance in Edinburg :  $225($18/month)

  • Median Gross Rent in Edinburg :  $654

  • Edinburg Renters Insurance to Median Rent Ratio:  2.75%

  • Renter occupied housing units in Edinburg :  14,252

Edinburg Renters Insurance as a Percentage of Rent

Edinburg Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 189 1.0% $356
$200 to $299 878 6.0% $806
$300 to $499 1,852 14.0% $1256
$500 to $749 6,455 49.0% $1931
$750 to $999 2,838 21.0% $2681
$1,000 to $1,499 701 5.0% $3806
$1,500 or more 155 1.0% $5456

Rent Affordability in Edinburg:

Approximately 49.0% (7,068) of households are spending more than 35% of their income on gross rent in Edinburg

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 2,348 16.0%
15.0 to 19.9 percent 1,904 13.0%
20.0 to 24.9 percent 1,223 8.0%
25.0 to 29.9 percent 899 6.0%
30.0 to 34.9 percent 810 5.0%
35.0 percent or more 7,068 49.0%

Edinburg Renters Insurance Discounts:

Edinburg Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Edinburg, TX Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 7,321 51.0% $22.5
2 vehicles available 4,766 33.0% $33.75
3 or more vehicles available 972 6.0% $45.0

Edinburg Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 553 3.0% $65
60 to 64 years 475 3.0% $52
65 to 74 years 448 3.0% $42
75 years and over 412 2.0% $32

Protective device discount in Edinburg Up to :  $33

Claims-free discount in Edinburg Up to :  $45