La Vernia Insurance Rates:

La Vernia, TX home insurance is nearly $875 to $1,200, about $72-$100/month. Our all inclusive guide reveals consumers can save as much as $415 by getting many quotes

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

La Vernia Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Travelers
Home Insurance Rate of $250/3 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $135,000

3 Beds, 3 Bath 1380 sqft Seasonal Residence Constructed In 2006 with Stone Flooring, Metal Roof, Chainwall Foundation, Wood siding, Wood Frame. Home Features Include Central Air Conditioning, Smoke Alarm, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $470/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $205,000

4 Beds, 4 Baths 2170 sqft Seasonal Residence Constructed In 2002 with Hardwood Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Brick siding, Metal Frame Construction. Home Features Include Swimming Pool, Copper Water Pipes, Deadbolt Locks, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

46 Years old Single 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 :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $250/2 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $240,000

4 Beds, 4 Baths 3260 sqft Primary Residence Constructed In 1999 with Carpet over wood flooring, Shingles Roof, Chainwall Foundation, Stucco siding, Metal Frame Construction. Home Features Include Fireplace, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

62 Years old Single Female who is Unemployed and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $760/6 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $155,000

3 Beds, 3 Baths 1790 sqft Seasonal Residence Constructed In 1997 with Hardwood Flooring, Asphalt Shingles Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Copper Water Pipes, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $1570/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $245,000

4 Beds, 4 Baths 2880 sqft Rental Property Constructed In 1996 with Ceramic Tile Flooring, Tile Roof, Chainwall Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Deadbolt Locks, Fireplace, Smoke Alarm, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

50 Years old Single 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 :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $570/3 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $230,000

4 Beds, 4 Baths 3240 sqft Primary Residence Constructed In 2000 with Hardwood Flooring, Membrane Roof, Chainwall Foundation, Wood siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Divorced Male who has a Full Time Job with household income of $75-$100,000 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 $200/2 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $165,000

3 Beds, 3 Bath 1800 sqft Primary Residence Constructed In 2009 with Ceramic Tile Flooring, Membrane Roof, Crawl Space Foundation, Stone Siding, Wood Frame. Home Features Include Indoor Sprinklers, Fire Extinguisher, Central Air Conditioning, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Single Female who has a Part Time Job 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

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $100/1 month for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $155,000

4 Beds, 4 Baths 2310 sqft Primary Residence Constructed In 2010 with Hardwood Flooring, Composition Roof, Chainwall Foundation, Wood siding, Metal Frame Construction. Home Features Include Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

68 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

La Vernia, TX Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
78121 $160,800 $1,070

La Vernia Rates & Quotes Analysis:

La Vernia Area Estimated House Insurance
Las Palomas Country Club Ests, River Rd, 16th St, Pittman Rd, King St, Co Rd 347, Co Rd 352, Garden Bend, Kothmann Rd, Co Rd 337$1,061
Co Rd 338, Kingsdale, Stovers Ln, Oak Ridge Dr, Shorthorn Rd, Co Rd 428, State Hwy 123, Dry Hollow, 11th St, Quail Crest Dr$1,031
2nd St, Tower Trail Dr, N Jewels Dr, Chihuahua E, Lake Valley Dr, Country View Dr, Homeridge Dr, Co Rd 339, Co Rd 435, Merion Ln$1,028
Rambling Trail Dr, Gonzales Ln, Boeck, Co Rd 334, Quail Ridge, Water St, Bear Ridge Dr, 14th St, Muirfield Ln, Co Rd 342$1,028
Dodge Ln, Oakwood Dr, Miller Cove, Jessica St, Oak Garden Dr, Co Rd 344, Lauren Ct, Deer Ridge Dr, Deer Park Rd, River Vw$1,056

Insurance rates are influenced by a number of factors including:

  • Year Built: 725 Homes (17% of total) built between 1980 to 1989 in La Vernia are paying home insurance between $1,548-$1,564 and differs from New Berlin (+$100), St. Hedwig (+$13), Floresville (+$22), Zuehl (-$20) and Stockdale (-$34).
  • Bedrooms: 2,267 3 bedrooms homes (57% of total homes ) in La Vernia are paying about $810 in contrast with New Berlin (+$41), St. Hedwig (+$6), Wilson County (+$3), Southwest Guadalupe (-$4) and Zuehl (-$11).
  • Auto Insurance Bundling: 1,312 Households (39% of all households) in La Vernia have 2 vehicles available and when it is bundled with home insurance you can save $207 and varies from New Berlin ($220), St. Hedwig ($209), Southwest Guadalupe ($206).
  • Senior Discounts: 1,472 seniors (more than 55 years) occupied housing units (44% of total) in La Vernia get discounts between $154 to $156. The comparative concessions in proximate regions such as New Berlin, St. Hedwig and Southwest Guadalupe are $165, $156 and $154 respectively.
  • New Homes discounts: New homes such as the 2,570 homes built between 2000 to 2009 in La Vernia can save $207 and similar new home insurance discounts in nearby towns and cities like New Berlin, St. Hedwig and Southwest Guadalupe are $220, $209 and $206 respectively.

La Vernia Homeowners insurance Facts

  • La Vernia, TX has 3,310 owner occupied houses which is 89.6% of all units whereas New Berlin, St. Hedwig and Southwest Guadalupe have 93.63%, 86.73% and 86.59% respectively.
  • La Vernia, TX homeowners yearly insurance price at $1,038 is 0.79% of the typical house value of $132,100 which is in contrast with 0.44% in New Berlin, 0.71% at St. Hedwig & 0.85% in Southwest Guadalupe.
  • Homeowners in La Vernia, TX pay 1.38% of their income ($75,000 or more) in insurance whereas homeowners in New Berlin, St. Hedwig and Southwest Guadalupe pay 1.47%, 1.39% and 1.38% respectively.
  • La Vernia, TX’s insurance is 6.5% of monthly housing costs of $1,325/month, for owners with a mortgage compared to 6.13% in New Berlin, 5.44% at St. Hedwig & 7.26% in Southwest Guadalupe. But, for households without a mortgage, insurance is 21.2% of costs ($409 in La Vernia, TX) in contrast with 20.04% in New Berlin, 17.57% at St. Hedwig & 21.9% in Southwest Guadalupe.

La Vernia, TX Home Values & Insurance rates

For example, insurance for 131 Homes (4.0% of total homes ) valued between $90,000 to $99,999 in La Vernia, TX is about $736. Rates in nearby areas in such as New Berlin, St. Hedwig, Wilson County are cheaper by $328, $67, $28 respectively while Southwest Guadalupe and Stockdale are costlier by $69 and $309 respectively for similar homes.

La Vernia, TX Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 393 12.0% $186
$50,000 to $59,999 173 5.0% $404
$60,000 to $69,999 143 4.0% $508
$70,000 to $79,999 159 4.0% $581
$80,000 to $89,999 204 6.0% $664
$90,000 to $99,999 131 4.0% $736
$100,000 to $124,999 379 11.0% $861
$125,000 to $149,999 257 7.0% $1079
$150,000 to $174,999 342 10.0% $1276
$175,000 to $199,999 255 7.0% $1463
$200,000 to $249,999 399 12.0% $1764
$250,000 to $299,999 339 10.0% $2159
$300,000 to $399,999 82 2.0% $2740

Renters Insurance in La Vernia

  • Average Renters Insurance in La Vernia :  $195($16/month)

  • Median Gross Rent in La Vernia :  $970

  • La Vernia Renters Insurance to Median Rent Ratio:  1.65%

  • Renter occupied housing units in La Vernia :  384

La Vernia Renters Insurance as a Percentage of Rent

La Vernia Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 10 3.0% $1248
$500 to $749 82 29.0% $1923
$750 to $999 53 19.0% $2673
$1,000 to $1,499 121 43.0% $3798
$1,500 or more 11 3.0% $5448

Rent Affordability in La Vernia:

Approximately 47.0% (183) of households are spending more than 35% of their income on gross rent in La Vernia

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 54 14.0%
15.0 to 19.9 percent 21 5.0%
20.0 to 24.9 percent 44 11.0%
25.0 to 29.9 percent 65 16.0%
30.0 to 34.9 percent 17 4.0%
35.0 percent or more 183 47.0%

La Vernia Renters Insurance Discounts:

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

Number of Vehicles in La Vernia, TX Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 183 47.0% $19.5
2 vehicles available 136 35.0% $29.25
3 or more vehicles available 25 6.0% $39.0

La Vernia Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 7 1.0% $97
65 to 74 years 80 20.0% $63

Protective device discount in La Vernia Up to :  $29

Claims-free discount in La Vernia Up to :  $39