Tip 1: Compare Rates from Houston, TX Homeowner Insurance Providers

Compare Quotes from Top Providers and Save now!

Example Houston Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
Insurance Company Amica Mutual Insurance CompanyAllstateFarmers Insurance
Monthly Premium 6895234
Year Built 198620032010
Home Details 2 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 3 Baths
Coverage Amount $100000-$125000$150000-$175000$300000-$350000
Deductible $500 Deductible$500- $1000 Deductible$500- $1000 Deductible

Read Houston, TX Home Insurance Reviews before buying

Tip 2: Optimize Deductibles based on Houston, TX Home Insurance Claims

Illustrative Houston, TX Homeowners Insurance Savings based on sample claims & choosing high deductibles.

  • House Details: 3 Beds, 2 Baths 2380 sqft Primary Residence Constructed In 1970 Carpet over wood flooring, Wood Shake Roof, Piers Foundation, Wood siding, Metal Frame Construction
  • Coverage: $183,500
  • Typical Houston, TX Claim Details: $3,600 for Water Damage filed once in 7 years
Low DeductibleHigh Deductible
Deductible$800$2,800
Yearly Houston Homeowner Insurance Premium Example $2,000$1,600
Out of Pocket Expense During Claim$800$2,800
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $14,800$14,000
Net Savings to Houston Home Owner from High Deductible Plan $800

Tip 3: Insure based on Houston Home Replacement Costs

Example Houston, TX home risks & impact of not choosing replacement value.

  • Home Near Arnold St, Browning St, Case St, Coleridge St, Emory St, Tennyson St, Cason St, Lehigh St, Simmons St, Dartmouth St.
  • Home Value: $691,300
  • Insurance Based on Home Value: $7,200
Scenario Woodbridge, NJ Home Replacement Value MORE than Home Value Woodbridge, NJ Home Replacement Value LESS than Home Value
Replacement Value $836,500 $608,500
Insurance Premium based on Replacement Value $8,700 $6,325
Risk Exposure from Under Insuring Coverage Risk Exposure from Under Insuring Coverage is $145,000 Unnecessary Home Insurance Coverage of $83,000
Premium Impact Insurance cheaper by $1,500/year Insurance costlier by $875/year

Example Houston, TX Home Replacement Cost Estimates

Home Located Near Square Feet Estimated Home Replacement Value
Fenn, Diamond Lake Ln, Hermitage Ln, Thurmon St, Colleen Rd, Carmelite Ct, Carsen Spring Ct, Rileybrook Cir, Old Center Ct, Islamorada Dr2,100$210,000
Patrick St, Sabrina Oaks Ln, Contender Ln, Jeanetta St, Harbour Lake Ct, Simscrest, Corwin St, Tyne St, Rolls Royce Ct, Thicket Ln2,500$300,000
Unicorn Ln, McGowan St, Shady Mill Dr, Wyatt Oak Ln, Elk Park Ln, Redgum Dr, Richwood Rd, E Willowwind Cir, Tamworth Dr, Southwood Trace Ln1,100$132,000
Caddy Cir, Manning Ln, Boone Loop Rd, Echo Mountain Dr, Henry Rd, Northleaf Dr, Timmen, Bryton Park Dr, Gaeldom Ln, W Tri Oaks Ln2,600$221,000
Hunters Field Ln, Monaldo Ct, Autumn Pines Trl, Division St, Enchanted Crest Dr, Palmetto Shore Dr, Hemlock St, Forest Trails Dr, Rhobell St, Industrial Rd2,000$220,000
Martinique Dr, Merrimac St, W Knoll St, Gregg St, E Rainmill Dr, Mack, Ferness Ln, Chetland Place Dr, Pinewood Cove Dr, Walcott Ln1,000$95,000
Beltone Dr, Woodring Ct, Linbrook Dr, la Concha Ln, Sagemeadow Ln, Moonriver Dr, Katy Mist Dr, Valley Forest Dr, Enclave Lake Dr, Camellia Dale Trl1,800$225,000
Glenalta St, Rosebury Dr, N Becca Ln, Trails West Dr, Heaney Dr, Greeley St, Glenmount Park Dr, Fern Pine Ct, Flamingo Dr, Neyland St2,100$168,000
Northchase Ridge Ln, Twigsworth Ln, Loper St, Inwood Oaks Dr, Wyatt St, Parkhollow Dr, Solo St, Richfield Ln, K St, Boulder Trace Ln2,400$300,000
Grand Oaks Blvd, Woodsborough Cir, Valerian Ln, Halliford Dr, Davenridge Ln, Morrisway Ct, Brillock Ave, Thunderhaven Dr, N Mac Gregor Way, Glenshannon Dr1,300$162,500