Hillsboro Insurance Rates:

Hillsboro, TX home insurance is nearly $860 to $1,169, about $71-$97/month. Our comprehensive guide shows customers can save upto $405 by comparing multiple quotes

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Hillsboro Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
USAA group
Home Insurance Rate of $340/4 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $195,000

5 Beds, 5 Baths 3650 sqft Primary Residence Constructed In 1991 with Wood Flooring, Composition Roof, Crawl Space Foundation, Stucco siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

32 Years old Single Male who has a Full Time Job with household income of more than $150,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $90/1 month for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $155,000

3 Beds, 3 Baths 2090 sqft Seasonal Residence Constructed In 1996 with Linoleum, Wood Shake Roof, Crawl Space Foundation, Stucco siding, Brick Frame. Home Features Include Copper Water Pipes, Central Air Conditioning, Fireplace, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

74 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 Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $890/10 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $90,000

2 Beds, 2 Bath 1160 sqft Seasonal Residence Constructed In 1977 with Carpet Flooring, Tile Roof, Slab Foundation, Stone Siding, Wood Frame. Home Features Include Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

61 Years old Divorced Female who has a Full Time Job with household income of $75-$100,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $60/1 month for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $105,000

3 Beds, 3 Baths 1740 sqft Vacation Property Constructed In 1977 with Wood Flooring, Membrane Roof, Piers Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Indoor Sprinklers, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

23 Years old Divorced Female who is a Freelancer with household income of $50-$75,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $610/8 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $120,000

3 Beds, 3 Bath 1500 sqft Primary Residence Constructed In 1944 with Hardwood Flooring, Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Central Air Conditioning, Fireplace, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

57 Years old Divorced Female who is a Freelancer with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $180/3 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $170,000

4 Beds, 4 Baths 2300 sqft Vacation Property Constructed In 2007 with Hardwood Flooring, Composition Roof, Slab Foundation, Vinyl siding, Wood Frame. Home Features Include Swimming Pool, Fireplace, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

72 Years old Single Female who has a Full Time Job with household income of $100-$150,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $840/12 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $90,000

3 Beds, 3 Bath 1210 sqft Rental Property Constructed In 1989 with Carpet Flooring, Metal Roof, Chainwall Foundation, Vinyl siding, Wood Frame. Home Features Include Swimming Pool, Deadbolt Locks, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

66 Years old Single Male who is a Freelancer with household income of $75-$100,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $660/12 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $70,000

2 Beds, 2 Bath 1260 sqft Primary Residence Constructed In 1993 with Hardwood Flooring, Composition Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Married Male who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $280/7 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $70,000

3 Beds, 3 Bath 1230 sqft Rental Property Constructed In 2009 with Linoleum, Membrane Roof, Slab Foundation, Brick siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Central Air Conditioning, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

33 Years old Single Female who is Unemployed with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $100/1 month for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $125,000

3 Beds, 3 Bath 2110 sqft Rental Property Constructed In 1974 with Ceramic Tile Flooring, Asphalt Shingles Roof, Piers Foundation, Brick siding, Brick Frame. Home Features Include Copper Water Pipes, Deadbolt Locks, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

47 Years old Married Female who is a Freelancer with household income of $100-$150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

Hillsboro, TX Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
76645 $86,900 $1,020

Hillsboro Rates & Quotes Analysis:

Hillsboro Area Estimated House Insurance
W Front St, Thompson St, Delmore Dr, Old Bynum Rd, E Paschal St, Main St, Dexter St, FM 286, Hcr 2315, Creekside Dr$1,026
Pvt Rd 331, Co Rd 3102, Lakeview Dr E, W Franklin St, Co Rd 4326, S Church St, S Church St, McDonald St, FM 1534, Co Rd 3102$1,030
Waco St, Dalton St, S Hedge St, E Madison St, Co Rd 1321, Peabody St, Dexter St, Co Rd 1320 S, Garland Dr, Elm St$1,013
Co Rd 3410, 3rd St, S Thompson St, Cornelius Rd N, Co Rd 2340, Carr St, Ranch Rd 3267, Co Rd 2415, Hcr 2316, Country Club Rd$1,021
S 1st St, W Co Rd 1350, Leslie St, Co Rd 3267, Hcr 1325, Vineyard St, Abernathy St, W Abbott St, FM 66, Corporation St$1,016

Insurance rates are influenced by a number of factors including:

  • Year Built: 899 Homes (15% of total) built between 1939 or earlier in Hillsboro are paying home insurance between $2,168-$2,183 and varies from Abbott (+$12), West (+$10), Ross (+$17), Malone-Penelope (-$36) and Malone (-$54).
  • Bedrooms: 632 4 bedrooms homes (11% of total homes ) in Hillsboro are paying about $1,237 in contrast with Blum (+$4), Laguna Park (+$18), Elm Mott (+$20), Hill County (-$25) and Bynum (-$5).
  • Auto Insurance Bundling: 1,484 Households (44% of all households) in Hillsboro have 2 vehicles available and when it is bundled with home insurance you can save $202 compared to Hill County ($202), Bynum ($202), Abbott ($203).
  • Senior Discounts: 1,776 seniors (more than 55 years) occupied housing units (53% of total) in Hillsboro get discounts between $151 to $154. The comparative concessions in proximate regions such as Hill County, Abbott and Malone-Penelope are $151, $152 and $149 respectively.
  • New Homes discounts: New homes such as the 2,077 homes built between 2000 to 2009 in Hillsboro can save $202 in contrast with Hill County ($202), Bynum ($202), Abbott ($203).

Hillsboro Homeowners insurance Facts

  • Hillsboro, TX has 3,301 owner occupied houses which is 65.4% of all units whereas Hill County, Bynum and Abbott have 72.47%, 97.73% and 75.6% respectively.
  • Hillsboro, TX homeowners yearly insurance price at $1,014 is 1.13% of the typical house value of $89,600 which is in contrast with 1.21% in Hill County, 1.23% at Bynum & 1.04% in Abbott.
  • Homeowners in Hillsboro, TX pay 2.7% of their income ($35,000 to $39,999) in insurance whereas homeowners in Hill County, Bynum and Abbott pay 2.69%, 2.69% and 2.72% respectively.
  • Hillsboro, TX’s insurance is 7.4% of monthly housing costs of $1,144/month, for owners with a mortgage compared to 7.7% in Hill County, 7.2% at Bynum & 7.48% in Abbott. But, for households without a mortgage, insurance is 18.6% of costs ($455 in Hillsboro, TX) in contrast with 20.58% in Hill County, 20.18% at Bynum & 24.9% in Abbott.

Hillsboro, TX Home Values & Insurance rates

For example, insurance for 250 Homes (7.0% of total homes ) valued between $150,000 to $174,999 in Hillsboro, TX is about $1,835. Rates in nearby areas in such as Abbott, West, Italy are cheaper by $144, $115, $96 respectively while Hill County and Bynum are costlier by $124 and $164 respectively for similar homes.

Hillsboro, TX Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 708 22.0% $273
$50,000 to $59,999 273 8.0% $588
$60,000 to $69,999 121 3.0% $730
$70,000 to $79,999 297 9.0% $841
$80,000 to $89,999 261 8.0% $953
$90,000 to $99,999 206 6.0% $1074
$100,000 to $124,999 372 11.0% $1237
$125,000 to $149,999 188 5.0% $1551
$150,000 to $174,999 250 7.0% $1835
$175,000 to $199,999 128 4.0% $2119
$200,000 to $249,999 178 5.0% $2545
$250,000 to $299,999 134 4.0% $3112
$300,000 to $399,999 69 2.0% $3954

Renters Insurance in Hillsboro

  • Average Renters Insurance in Hillsboro :  $228($19/month)

  • Median Gross Rent in Hillsboro :  $609

  • Hillsboro Renters Insurance to Median Rent Ratio:  3.12%

  • Renter occupied housing units in Hillsboro :  1,743

Hillsboro Renters Insurance as a Percentage of Rent

Hillsboro Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 84 5.0% $357
$200 to $299 72 4.0% $807
$300 to $499 295 18.0% $1257
$500 to $749 649 41.0% $1932
$750 to $999 316 20.0% $2682
$1,000 to $1,499 114 7.0% $3807
$1,500 or more 33 2.0% $5457

Protective device discount in Hillsboro Up to :  $34

Claims-free discount in Hillsboro Up to :  $45