Lone Oak Insurance Rates:

Lone Oak, TX home insurance is approximately $862 to $1,186, about $71-$98/month. Our complete analysis shows customers can save upto $409 by getting different quotes

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Lone Oak Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Amica Mutual Insurance Company
Home Insurance Rate of $1010/8 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $195,000

5 Beds, 5 Baths 3310 sqft Seasonal Residence Constructed In 2013 with Stone Flooring, Asphalt Shingles Roof, Slab Foundation, Wood siding, Brick Frame. Home Features Include Fireplace, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

66 Years old Single Female who is Unemployed and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $620/10 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $115,000

3 Beds, 3 Bath 1700 sqft Vacation Property Constructed In 2007 with Carpet over wood flooring, Slate Shingles Roof, Piers Foundation, Stone Siding, Wood Frame. Home Features Include Smoke Alarm, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

25 Years old Single Male who is Unemployed and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $80/1 month for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $170,000

3 Beds, 3 Bath 2390 sqft Primary Residence Constructed In 1985 with Stone Flooring, Tile Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Fireplace, Copper Water Pipes, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

52 Years old Divorced Male 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

  • 700-749 Credit Score

Home Insurance Rate of $620/3 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $290,000

5 Beds, 5 Baths 3780 sqft Rental Property Constructed In 1971 with Carpet Flooring, Shingles Roof, Crawl Space Foundation, Wood siding, Wood Frame. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

59 Years old Married Female who has a Full Time Job with household income of $75-$100,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $460/7 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $110,000

4 Beds, 4 Baths 1680 sqft Rental Property Constructed In 2003 with Ceramic Tile Flooring, Wood Shake Roof, Chainwall Foundation, Brick siding, Metal Frame Construction. Home Features Include Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

64 Years old Divorced Female who is a Freelancer with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $340/3 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $150,000

3 Beds, 3 Bath 1810 sqft Primary Residence Constructed In 2000 with Wood Flooring, Composition Roof, Crawl Space Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Fireplace, Swimming Pool, Indoor Sprinklers, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

26 Years old Single Female who is a Freelancer 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

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $120/1 month for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $290,000

5 Beds, 5 Baths 4520 sqft Seasonal Residence Constructed In 1982 with Carpet Flooring, Asphalt Shingles Roof, Piers Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Copper Water Pipes, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

56 Years old Divorced Female who is a Freelancer with household income of $100-$150,000 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 $1620/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $290,000

5 Beds, 5 Bath 3780 sqft Vacation Property Constructed In 2006 with Ceramic Tile Flooring, Shingles Roof, Chainwall Foundation, Wood siding, Wood Frame. Home Features Include Copper Water Pipes, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

70 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

  • Up to 499 Credit Score

  • Seniors staying at home

Lone Oak, TX Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
75453 $109,300 $1,030

Lone Oak Rates & Quotes Analysis:

Lone Oak Area Estimated House Insurance
Co Rd 3128, Mary, Jones St, FM Road 499, Pvt Rd 3422, Elm St, Pvt Rd 3429, Co Rd 4112, Lakeview Cir, Lone Oak$1,015
Co Rd 3411, Co Rd 3403, Co Rd 4315, Saint John St, Co Rd 3226, Brook Hollow, S Beasley, Birch, Franklin, Longview Ln$1,016
FM 2736, Shoreline Dr, Mud Rd, Co Rd 4121, Co Rd 3108, Old State Hwy 42, St Park Rd 55, Country Pl, I- 30 Frontage Rd, Co Rd 4125$1,023
Windsor St, Shore Vw, Lincoln St, Co Rd 4215, FM 2649, Co Rd 3106, Co Rd 3406, Co Rd 3413, Co Rd 3117, Cr 4202$1,018
S FM 513, FM 1568, Co Rd 3416, Katy St, Co Rd 3412, FM 513, Cherry Ln, Co Rd 3132, Fir, Scenic Cir$1,032

Insurance rates are influenced by a number of factors including:

  • Year Built: 350 Homes (14% of total) built between 1980 to 1989 in Lone Oak are paying home insurance between $1,528-$1,544 in contrast with Caddo Mills (+$15), Josephine (+$13), Royse City (+$17), Campbell (-$27) and Cumby (-$14).
  • Bedrooms: 364 4 bedrooms homes (15% of total homes ) in Lone Oak are paying about $1,239. Areas near to Lone Oak such as Caddo Mills, Celeste, Josephine are costlier by $12, $4, $10 respectively whereas Campbell and Hunt County are more economical by $12, $9 respectively for similar homes.
  • Auto Insurance Bundling: 547 Households (31% of all households) in Lone Oak have 3 or more vehicles available and when it is bundled with home insurance you can save $256 and differs from Campbell ($251), Cumby ($253), Hunt County ($254).
  • Senior Discounts: 932 seniors (more than 55 years) occupied housing units (53% of total) in Lone Oak get discounts between $152 to $155. The comparative concessions in proximate regions such as Campbell, Cumby and Neylandville are $150, $152 and $151 respectively.
  • New Homes discounts: New homes such as the 1,137 homes built between 2000 to 2009 in Lone Oak can save $204 and similar new home insurance discounts in nearby towns and cities like Campbell, Cumby and Hunt County are $201, $203 and $203 respectively.

Lone Oak Homeowners insurance Facts

  • Lone Oak, TX has 1,757 owner occupied houses which is 85.1% of all units whereas Campbell, Cumby and Hunt County have 74.26%, 85.15% and 71.58% respectively.
  • Lone Oak, TX homeowners yearly insurance price at $1,024 is 0.95% of the typical house value of $107,500 which is in contrast with 1.35% in Campbell, 1.11% at Cumby & 1.09% in Hunt County.
  • Homeowners in Lone Oak, TX pay 4.55% of their income ($20,000 to $24,999) in insurance whereas homeowners in Campbell, Cumby and Hunt County pay 4.47%, 4.51% and 4.52% respectively.
  • Lone Oak, TX’s insurance is 6.5% of monthly housing costs of $1,319/month, for owners with a mortgage compared to 10.04% in Campbell, 7.19% at Cumby & 7.05% in Hunt County. But, for households without a mortgage, insurance is 18.3% of costs ($466 in Lone Oak, TX) in contrast with 21.33% in Campbell, 21.52% at Cumby & 19.62% in Hunt County.

Lone Oak, TX Home Values & Insurance rates

For example, insurance for 109 Homes (6.0% of total homes ) valued between $50,000 to $59,999 in Lone Oak, TX is about $491. Rates in nearby areas in such as Caddo Mills, Union Valley, Royse City are cheaper by $57, $9, $67 respectively while Campbell and Cumby are costlier by $213 and $87 respectively for similar homes.

Lone Oak, TX Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 324 18.0% $235
$50,000 to $59,999 109 6.0% $491
$60,000 to $69,999 79 4.0% $614
$70,000 to $79,999 87 5.0% $706
$80,000 to $89,999 172 9.0% $808
$90,000 to $99,999 43 2.0% $901
$100,000 to $124,999 214 12.0% $1044
$125,000 to $149,999 135 7.0% $1300
$150,000 to $174,999 156 9.0% $1546
$175,000 to $199,999 161 9.0% $1781
$200,000 to $249,999 110 6.0% $2140
$250,000 to $299,999 87 5.0% $2621
$300,000 to $399,999 52 3.0% $3328

Renters Insurance in Lone Oak

  • Average Renters Insurance in Lone Oak :  $215($17/month)

  • Median Gross Rent in Lone Oak :  $874

  • Lone Oak Renters Insurance to Median Rent Ratio:  1.95%

  • Renter occupied housing units in Lone Oak :  308

Lone Oak Renters Insurance as a Percentage of Rent

Lone Oak Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 8 3.0% $803
$300 to $499 18 6.0% $1253
$500 to $749 43 16.0% $1928
$750 to $999 88 33.0% $2678
$1,000 to $1,499 106 40.0% $3803

Protective device discount in Lone Oak Up to :  $32

Claims-free discount in Lone Oak Up to :  $43