Fredericksburg Insurance Rates:

Fredericksburg, TX home insurance is roughly $918 to $1,255, about $76-$104/month. Our in depth guide reveals consumers can save as much as $434 by getting multiple quotes

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Fredericksburg Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
USAA group
Home Insurance Rate of $1660/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $215,000

3 Beds, 3 Bath 1970 sqft Vacation Property Constructed In 1947 with Carpet over wood flooring, Asphalt Shingles Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Deadbolt Locks, Swimming Pool, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

64 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 :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $350/5 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $125,000

3 Beds, 3 Bath 1290 sqft Vacation Property Constructed In 1980 with Linoleum, Tile Roof, Slab Foundation, Vinyl siding, Brick Frame. Home Features Include Fire Extinguisher, Smoke Alarm, Swimming Pool, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

47 Years old Married Male who is a Freelancer with household income of more than $150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $630/5 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $330,000

4 Beds, 4 Bath 2970 sqft Seasonal Residence Constructed In 2012 with Ceramic Tile Flooring, Tile Roof, Piers Foundation, Vinyl siding, Stucco Construction. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

43 Years old Divorced Male who is a Freelancer with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $740/6 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $230,000

3 Beds, 3 Bath 1620 sqft Primary Residence Constructed In 2010 with Wood Flooring, Slate Shingles Roof, Slab Foundation, Wood siding, Wood Frame. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

34 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $2180/12 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $235,000

3 Beds, 3 Bath 2240 sqft Primary Residence Constructed In 2008 with Carpet over wood flooring, Tile Roof, Slab Foundation, Vinyl siding, Stucco Construction. Home Features Include Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

45 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $1110/5 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $375,000

4 Beds, 4 Bath 2960 sqft Seasonal Residence Constructed In 1973 with Hardwood Flooring, Tile Roof, Piers Foundation, Brick siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

41 Years old Divorced Male who is a Freelancer with household income of $25-50,000 and has No Pets and is a Smoker

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

  • 600-649 Credit Score

Home Insurance Rate of $840/8 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $170,000

3 Beds, 3 Bath 1680 sqft Seasonal Residence Constructed In 1948 with Linoleum, Asphalt Shingles Roof, Slab Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Fireplace, Swimming Pool, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

70 Years old Single Male who has a Full Time Job with household income of $50-$75,000 and has 1 Pet and is a Smoker

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

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $760/7 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $155,000

3 Beds, 3 Baths 1230 sqft Vacation Property Constructed In 1992 with Stone Flooring, Tile Roof, Crawl Space Foundation, Stucco siding, Wood Frame. Home Features Include Fireplace, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

46 Years old Married Female who is a Freelancer with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

Fredericksburg, TX Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
78624 $217,300 $1,100

Fredericksburg Rates & Quotes Analysis:

Fredericksburg Area Estimated House Insurance
Ranch Rd 2323, B M Ln, Trl End, Fulbrook Ln, Mtn View Dr, Bradshaw Ln, Smith Rd, E Centre St, Raymond Ln, W Morse St$1,080
Adj Ln, Glenwood Dr, Seamoor Dr, Mockingbird St, Reuben St, Kimberly Ln, Big Bird Trl, S Acorn St, N Cherry St, Vic Ln$1,092
W Peach St, Live Oak Rd, Suniland Dr, Deer Park Rd, Cherrywood Dr, Candlelight Cove, Love Ln, Meusebach Creek Rd, W Austin St, Glad Heart Trl$1,095
Skylark Dr, Green Oaks Loop, Arbor Ridge Rd, Cd Ln, E Creek St, Upper Live Oak Rd, Cora St, Heimplatz Trl, Kerr Rd, Granite Ave$1,109
W Driftwood Dr, Nature Trl, Howard Ln, Quailwood Dr, Prairie View Trl, Klaerner Rd, Joe Duderstadt Rd, Boos Ln, Nimitz Cir, Stone Hollow$1,069

Insurance rates are influenced by a number of factors including:

  • Year Built: 1,499 Homes (18% of total) built between 1990 to 1999 in Fredericksburg are paying home insurance between $1,567-$1,583 in contrast with Kendall County (+$44), Sunrise Beach Village (+$50), Boerne (+$65), Gillespie County (-$10) and Harper (-$51).
  • Bedrooms: 2,604 2 bedrooms homes (31% of total homes ) in Fredericksburg are paying about $663. Areas near to Fredericksburg such as Kendall County, Sunrise Beach Village, Boerne are costlier by $19, $21, $27 respectively whereas Gillespie County and Harper are more economical by $4, $21 respectively for similar homes.
  • Auto Insurance Bundling: 1,505 Households (29% of all households) in Fredericksburg have 3 or more vehicles available and when it is bundled with home insurance you can save $271 and varies from Gillespie County ($269), Harper ($262), Stonewall ($267).
  • Senior Discounts: 3,405 seniors (more than 55 years) occupied housing units (66% of total) in Fredericksburg get discounts between $161 to $164 and differs from Gillespie County ($161), Harper ($157), Stonewall ($160).
  • New Homes discounts: New homes such as the 3,526 homes built between 2000 to 2009 in Fredericksburg can save $217 and similar new home insurance discounts in nearby towns and cities like Gillespie County, Harper and Stonewall are $215, $210 and $214 respectively.

Fredericksburg Homeowners insurance Facts

  • Fredericksburg, TX has 5,085 owner occupied houses which is 69.6% of all units whereas Gillespie County, Harper and Stonewall have 74.86%, 84.4% and 88.23% respectively.
  • Fredericksburg, TX homeowners yearly insurance price at $1,086 is 0.5% of the typical house value of $217,600 which is in contrast with 0.53% in Gillespie County, 0.68% at Harper & 0.56% in Stonewall.
  • Homeowners in Fredericksburg, TX pay 1.89% of their income ($45,000 to $49,999) in insurance whereas homeowners in Gillespie County, Harper and Stonewall pay 1.88%, 1.83% and 1.86% respectively.
  • Fredericksburg, TX’s insurance is 5.8% of monthly housing costs of $1,551/month, for owners with a mortgage compared to 6.1% in Gillespie County, 7.1% at Harper & 6.13% in Stonewall. But, for households without a mortgage, insurance is 19.7% of costs ($460 in Fredericksburg, TX) in contrast with 19.89% in Gillespie County, 18.84% at Harper & 23.16% in Stonewall.

Fredericksburg, TX Home Values & Insurance rates

For example, insurance for 358 Homes (8.0% of total homes ) valued between $100,000 to $124,999 in Fredericksburg, TX is about $543. Rates in nearby areas in such as Kendall County, Sunrise Beach Village, Boerne are cheaper by $97, $106, $125 respectively while Gillespie County and Harper are costlier by $28 and $192 respectively for similar homes.

Fredericksburg, TX Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 380 8.0% $119
$50,000 to $59,999 113 2.0% $260
$70,000 to $79,999 67 1.0% $369
$80,000 to $89,999 72 1.0% $423
$90,000 to $99,999 78 1.0% $466
$100,000 to $124,999 358 8.0% $543
$125,000 to $149,999 279 6.0% $684
$150,000 to $174,999 451 10.0% $803
$175,000 to $199,999 436 9.0% $933
$200,000 to $249,999 772 17.0% $1118
$250,000 to $299,999 735 16.0% $1368
$300,000 to $399,999 596 13.0% $1737

Renters Insurance in Fredericksburg

  • Average Renters Insurance in Fredericksburg :  $127($10/month)

  • Median Gross Rent in Fredericksburg :  $842

  • Fredericksburg Renters Insurance to Median Rent Ratio:  1.19%

  • Average household size of renter-occupied unit :  2.31

Fredericksburg Renters Insurance as a Percentage of Rent

Fredericksburg Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 52 2.0% $331
$300 to $499 105 5.0% $1231
$500 to $749 477 23.0% $1906
$750 to $999 794 39.0% $2656
$1,000 to $1,499 454 22.0% $3781
$1,500 or more 107 5.0% $5431

Rent Affordability in Fredericksburg:

Approximately 45.0% (998) of households are spending more than 35% of their income on gross rent in Fredericksburg

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 238 10.0%
15.0 to 19.9 percent 352 15.0%
20.0 to 24.9 percent 309 13.0%
25.0 to 29.9 percent 181 8.0%
30.0 to 34.9 percent 139 6.0%
35.0 percent or more 998 45.0%

Fredericksburg Renters Insurance Discounts:

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

Number of Vehicles in Fredericksburg, TX Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 1,187 53.0% $12.7
2 vehicles available 675 30.0% $19.05
3 or more vehicles available 231 10.0% $25.4

Protective device discount in Fredericksburg Up to :  $19

Claims-free discount in Fredericksburg Up to :  $25