Lakeway Insurance Rates:

Lakeway, TX home insurance is roughly $990 to $1,356, about $82-$113/month. Our in depth guide shows customers can save upto $469 by getting many quotes

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Lakeway, Texas Homeowners Insurance Reviews separate truth from fantasy. Compare realistic quotes from the most best home insurance providers.

Lakeway Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $4260/10 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $620,000

5 Beds, 5 Baths 3920 sqft Seasonal Residence Constructed In 1993 with Linoleum, Metal Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Swimming Pool, Fire Extinguisher, Central Air Conditioning, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

43 Years old Divorced Male who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $3370/12 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $520,000

4 Beds, 4 Baths 3100 sqft Primary Residence Constructed In 2003 with Stone Flooring, Asphalt Shingles Roof, Chainwall Foundation, Brick siding, Metal Frame Construction. Home Features Include Fireplace, Copper Water Pipes, Swimming Pool, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $950/3 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $405,000

3 Beds, 3 Baths 2300 sqft Primary Residence Constructed In 2010 with Ceramic Tile Flooring, Membrane Roof, Chainwall Foundation, Stone Siding, Brick Frame. Home Features Include Fire Extinguisher, Deadbolt Locks, Central Air Conditioning, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

49 Years old Married Male who is a Freelancer with household income of $100-$150,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $320/2 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $375,000

3 Beds, 3 Baths 2340 sqft Primary Residence Constructed In 2007 with Ceramic Tile Flooring, Membrane Roof, Crawl Space Foundation, Wood siding, Brick Frame. Home Features Include Deadbolt Locks, Fireplace, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

29 Years old Married Male who is Unemployed and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1790/7 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $405,000

3 Beds, 3 Bath 2040 sqft Vacation Property Constructed In 2014 with Carpet over wood flooring, Slate Shingles Roof, Slab Foundation, Vinyl siding, Brick Frame. Home Features Include Deadbolt Locks, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

28 Years old Married Male who has a Full Time Job with household income of $50-$75,000 and has No Pets and is a Non-Smoker

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

  • 800-850 Credit Score

Home Insurance Rate of $1190/3 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $630,000

5 Beds, 5 Baths 4160 sqft Seasonal Residence Constructed In 2011 with Stone Flooring, Wood Shake Roof, Crawl Space Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Fireplace, Fire Extinguisher, Central Air Conditioning, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

33 Years old Divorced Female who is a Freelancer with household income of more than $150,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1330/4 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $485,000

5 Beds, 5 Baths 2200 sqft Vacation Property Constructed In 2001 with Ceramic Tile Flooring, Slate Shingles Roof, Crawl Space Foundation, Vinyl siding, Stucco Construction. Home Features Include Fireplace, Deadbolt Locks, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

29 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Non-Smoker

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

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1160/5 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $560,000

4 Beds, 4 Baths 2770 sqft Seasonal Residence Constructed In 2013 with Hardwood Flooring, Composition Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Deadbolt Locks, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

64 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Smoker

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

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $780/4 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $420,000

5 Beds, 5 Baths 2400 sqft Seasonal Residence Constructed In 1999 with Stone Flooring, Composition Roof, Crawl Space Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

67 Years old Single Female who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

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

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Lakeway, TX Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
78734 $321,700 $1,180

Lakeway Rates & Quotes Analysis:

Lakeway Area Estimated House Insurance
Moonlight Bay Dr, Crabapple Ct, Spellbrook Ln, Dave Dr, Birsay Dr, Majestic Ridge Rd, Rainbow Two St, Ajuga Ct, Knarr St, Travis Settlement$1,129
Reims Ct, Cross Creek, Rainbow One St, Mockingbird Ln, Kyle Dr, Corsaire Cove, Bella Riva Dr, Tabletop Mountain Dr, Green Terrace Cove, Raynham Hill Dr$1,130
Inverness Dr, Dasher Dr, Rogues Roost Dr, Sailmaster St, Schooner Dr, Hopkins Dr, el Rio Dr, Challenger, Cory Ln, Pedernales Cliff Trl$1,125
Yacht Harbor Rd, Parakeet St, Aria Dr, Deerfield Cove, Barbie Ct, Sledge Dr, Indigo Broom Loop, Jack Nicklaus Dr, Cliffbrook Ct, Lakehurst Loop$1,098
Oakhurst Rd, Colt Dr, Ridge Pole Ln, Tulare Dr, Mc Cormick Mountain Dr, Retama Ct, Chateau Ave, Huron Club Ct, Lakeway Dr, Rocky Cost Dr$1,238

Insurance rates are influenced by a number of factors including:

  • Year Built: 1,316 Homes (25% of total homes ) built between 1980 to 1989 in Lakeway are paying home insurance between $1,752-$1,769. Places close to Lakeway, TX such as The Hills, Bee Cave, Volente are more expensive by $72, $123, $173 respectively while Southwest Travis and Point Venture are cheaper by $32 and $89 respectively for similar homes.
  • Bedrooms: 1,814 4 bedrooms homes (36% of total homes ) in Lakeway are paying about $1,420. Areas near to Lakeway such as The Hills, Bee Cave, Volente are costlier by $58, $88, $128 respectively whereas Southwest Travis and Point Venture are more economical by $37, $71 respectively for similar homes.
  • Auto Insurance Bundling: 967 Households (26% of all households) in Lakeway have 3 or more vehicles available and when it is bundled with home insurance you can save $293 compared to The Hills ($305), Southwest Travis ($288), Point Venture ($278).
  • Senior Discounts: 1,761 seniors (more than 55 years) occupied housing units (47% of total) in Lakeway get discounts between $174 to $177. The comparative concessions in proximate regions such as The Hills, Southwest Travis and Point Venture are $183, $172 and $167 respectively.
  • New Homes discounts: New homes such as the 2,990 homes built between 2000 to 2009 in Lakeway can save $234 and similar new home insurance discounts in nearby towns and cities like The Hills, Southwest Travis and Point Venture are $244, $230 and $223 respectively.

Lakeway Homeowners insurance Facts

  • Lakeway, TX has 3,694 owner occupied houses which is 81.2% of all units whereas The Hills, Southwest Travis and Point Venture have 88.15%, 81.75% and 85.15% respectively.
  • Lakeway, TX homeowners yearly insurance price at $1,174 is 0.31% of the typical house value of $372,700 which is in contrast with 0.27% in The Hills, 0.34% at Southwest Travis & 0.42% in Point Venture.
  • Homeowners in Lakeway, TX pay 2.13% of their income ($50,000 to $59,999) in insurance whereas homeowners in The Hills, Southwest Travis and Point Venture pay 2.22%, 2.1% and 2.03% respectively.
  • Lakeway, TX’s insurance is 3.6% of monthly housing costs of $2,688/month, for owners with a mortgage compared to 3.02% in The Hills, 4.0% at Southwest Travis & 4.36% in Point Venture. But, for households without a mortgage, insurance is 10.7% of costs ($912 in Lakeway, TX) in contrast with 10.17% in The Hills, 12.98% at Southwest Travis & 10.57% in Point Venture.

Lakeway, TX Home Values & Insurance rates

For example, insurance for 49 Homes (2.0% of total homes ) valued between $125,000 to $149,999 in Lakeway, TX is about $422. Rates in nearby areas in such as Bee Cave, Lost Creek, West Lake Hills are cheaper by $96, $57, $164 respectively while Southwest Travis and Point Venture are costlier by $39 and $146 respectively for similar homes.

Lakeway, TX Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 25 1.0% $70
$100,000 to $124,999 75 3.0% $340
$125,000 to $149,999 49 2.0% $422
$150,000 to $174,999 48 2.0% $504
$175,000 to $199,999 72 3.0% $587
$200,000 to $249,999 344 16.0% $704
$250,000 to $299,999 483 22.0% $857
$300,000 to $399,999 1,019 47.0% $1091

Renters Insurance in Lakeway

  • Average Renters Insurance in Lakeway :  $4($0/month)

  • Median Gross Rent in Lakeway :  $1,386

  • Average household size of renter-occupied unit :  2.25

Lakeway Renters Insurance as a Percentage of Rent

Lakeway Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 21 2.0% $1876
$750 to $999 68 8.0% $2626
$1,000 to $1,499 450 54.0% $3751
$1,500 or more 287 34.0% $5401

Rent Affordability in Lakeway:

Approximately 56.0% (483) of households are spending more than 35% of their income on gross rent in Lakeway

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 79 9.0%
20.0 to 24.9 percent 241 28.0%
30.0 to 34.9 percent 51 5.0%
35.0 percent or more 483 56.0%

Protective device discount in Lakeway Up to :  $0

Claims-free discount in Lakeway Up to :  $0