Pecos Insurance Rates:

Pecos, TX home insurance is roughly $836 to $1,138, about $69-$94/month. Our detailed research reveals consumers can save upto $395 by getting multiple quotes

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Pecos Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
GEICO Insurance
Home Insurance Rate of $190/2 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $135,000

4 Beds, 4 Bath 3040 sqft Vacation Property Constructed In 1976 with Stone Flooring, Metal Roof, Piers Foundation, Brick siding, Metal Frame Construction. Home Features Include Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

29 Years old Married Male who is a Freelancer with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $180/4 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $115,000

3 Beds, 3 Bath 2340 sqft Rental Property Constructed In 1975 with Ceramic Tile Flooring, Slate Shingles Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Deadbolt Locks, Copper Water Pipes, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $280/4 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $105,000

4 Beds, 4 Baths 2210 sqft Vacation Property Constructed In 1984 with Ceramic Tile Flooring, Membrane Roof, Crawl Space Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

61 Years old Single Male who is Unemployed and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $140/2 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $115,000

4 Beds, 4 Baths 2150 sqft Primary Residence Constructed In 1964 with Ceramic Tile Flooring, Shingles Roof, Slab Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Deadbolt Locks, Indoor Sprinklers, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

43 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $240/5 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $85,000

3 Beds, 3 Baths 1670 sqft Rental Property Constructed In 1984 with Wood Flooring, Tile Roof, Crawl Space Foundation, Stucco siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Deadbolt Locks, Fireplace, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

24 Years old Married Female who has a Full Time Job with household income of more than $150,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $1030/10 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $145,000

5 Beds, 5 Baths 2900 sqft Seasonal Residence Constructed In 1984 with Carpet Flooring, Tile Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Indoor Sprinklers, Fireplace, Deadbolt Locks, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

54 Years old Single Female who is a Freelancer with household income of more than $150,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $420/5 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $90,000

3 Beds, 3 Bath 2050 sqft Vacation Property Constructed In 1963 with Ceramic Tile Flooring, Tile Roof, Crawl Space Foundation, Stucco siding, Stucco Construction. Home Features Include Indoor Sprinklers, Fire Extinguisher, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

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

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $560/12 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $75,000

3 Beds, 3 Bath 2040 sqft Rental Property Constructed In 1968 with Linoleum, Membrane Roof, Crawl Space Foundation, Wood siding, Stucco Construction. Home Features Include Smoke Alarm, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

73 Years old Married 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 :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

Pecos Rates & Quotes Analysis:

Pecos Area Estimated House Insurance
S Bois D'Arc St, Lampton St, S Ash St, W Monroe St, Magnolia St, I- 20 Bus, S Locust St, Barrilla Rd, W 3rd St, Stocking St$985
Briarwood Cir, Co Rd 427, N Locust St, W 2nd St, Hackberry St, S Alamo St, S Hickory St, W Daggett St, N Pecan St, Sacaton Rd$983
E B St, Co Rd 433, N Elm St, Ranch Rd 2903, Co Rd 411, S Bickley Ave, Texas St, Cothrun St, S Cypress St, Tolivar St$1,003
Western Ave, N Hickory St, Mulberry St, Co Rd 210, S Katherine St, Co Rd 230, Co Rd 203, Co Rd 437, W 4th St, S Park St$979
Co Rd 410, Co Rd 215, Starley Dr, Lincoln St, Co Rd 201, W 10th St, Co Rd 432, Co Rd 448, E 7th St, Winding Way St$978

Insurance rates are influenced by a number of factors including:

  • Year Built: 780 Homes (20% of total) built between 1970 to 1979 in Pecos are paying home insurance between $1,602-$1,617 and varies from Loving County (+$36), Pyote (+$13), Monahans (+$10), Toyah (-$26) and Barstow (-$18).
  • Bedrooms: 1,109 2 bedrooms homes (30% of total homes ) in Pecos are paying about $623 in contrast with Toyah (+$9), Grandfalls (+$5), Jeff Davis County (+$10), Reeves County (-$10) and Barstow (-$27).
  • Auto Insurance Bundling: 905 Households (41% of all households) in Pecos have 2 vehicles available and when it is bundled with home insurance you can save $197. Discounts for similar bundling in close by locations such as Reeves County, Toyah, Barstow come to $197, $194, $195 respectively.
  • Senior Discounts: 1,287 seniors (more than 55 years) occupied housing units (58% of total) in Pecos get discounts between $147 to $150 in contrast with Reeves County ($148), Toyah ($145), Barstow ($146).
  • New Homes discounts: New homes such as the 1,467 homes built between 2000 to 2009 in Pecos can save $197 and similar new home insurance discounts in nearby towns and cities like Reeves County, Toyah and Barstow are $197, $194 and $195 respectively.

Pecos Homeowners insurance Facts

  • Pecos, TX has 2,192 owner occupied houses which is 75.4% of all units whereas Reeves County, Toyah and Barstow have 76.08%, 90.24% and 76.8% respectively.
  • Pecos, TX homeowners yearly insurance price at $988 is 2.35% of the typical house value of $42,100 which is in contrast with 2.31% in Reeves County, 6.85% at Toyah & 3.96% in Barstow.
  • Homeowners in Pecos, TX pay 3.04% of their income ($30,000 to $34,999) in insurance whereas homeowners in Reeves County, Toyah and Barstow pay 3.04%, 2.99% and 3.01% respectively.
  • Pecos, TX’s insurance is 7.9% of monthly housing costs of $1,043/month, for owners with a mortgage compared to 8.01% in Reeves County, 9.41% at Barstow-Pyote & 12.03% in Balmorhea. But, for households without a mortgage, insurance is 25.0% of costs ($329 in Pecos, TX) in contrast with 25.1% in Reeves County, 37.63% at Barstow-Pyote & 25.44% in Balmorhea.

Pecos, TX Home Values & Insurance rates

For example, insurance for 1,254 Homes (57.0% of total homes ) valued between Less than $50,000 in Pecos, TX is about $582. Rates in nearby areas in such as Reeves County, Balmorhea, Loving County are cheaper by $9, $96, $290 respectively while Toyah and Barstow are costlier by $1,128 and $404 respectively for similar homes.

Pecos, TX Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,254 57.0% $582
$50,000 to $59,999 81 3.0% $1225
$60,000 to $69,999 125 5.0% $1521
$70,000 to $79,999 73 3.0% $1758
$80,000 to $89,999 112 5.0% $1985
$90,000 to $99,999 87 3.0% $2223
$100,000 to $124,999 141 6.0% $2578
$125,000 to $149,999 80 3.0% $3220
$150,000 to $174,999 181 8.0% $3803
$175,000 to $199,999 30 1.0% $4396
$200,000 to $249,999 24 1.0% $5285

Renters Insurance in Pecos

  • Average Renters Insurance in Pecos :  $266($22/month)

  • Median Gross Rent in Pecos :  $553

  • Pecos Renters Insurance to Median Rent Ratio:  3.98%

  • Renter occupied housing units in Pecos :  717

Pecos Renters Insurance as a Percentage of Rent

Pecos Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 23 4.0% $816
$300 to $499 197 36.0% $1266
$500 to $749 206 38.0% $1941
$750 to $999 23 4.0% $2691
$1,000 to $1,499 38 7.0% $3816
$1,500 or more 47 8.0% $5466

Rent Affordability in Pecos:

Approximately 52.0% (374) of households are spending more than 35% of their income on gross rent in Pecos

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 144 20.0%
15.0 to 19.9 percent 24 3.0%
20.0 to 24.9 percent 86 11.0%
25.0 to 29.9 percent 19 2.0%
30.0 to 34.9 percent 70 9.0%
35.0 percent or more 374 52.0%

Protective device discount in Pecos Up to :  $39

Claims-free discount in Pecos Up to :  $53