Sweetwater Insurance Rates:

Sweetwater, TX home insurance is approximately $842 to $1,147, about $70-$95/month. Our detailed guide reveals consumers can save upto $397 by comparing multiple quotes

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Sweetwater Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $1220/8 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $275,000

5 Beds, 5 Baths 4780 sqft Rental Property Constructed In 1950 with Wood Flooring, Shingles Roof, Piers Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Swimming Pool, Central Air Conditioning, FuseBox 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 More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $380/6 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $85,000

3 Beds, 3 Baths 1650 sqft Rental Property Constructed In 1982 with Wood Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Brick siding, Stucco Construction. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $1170/9 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $155,000

5 Beds, 5 Bath 3600 sqft Vacation Property Constructed In 1961 with Carpet Flooring, Metal Roof, Crawl Space Foundation, Brick siding, Wood Frame. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

33 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

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $340/9 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $75,000

3 Beds, 3 Bath 1470 sqft Rental Property Constructed In 1954 with Ceramic Tile Flooring, Wood Shake Roof, Crawl Space Foundation, Stone Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

46 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $220/1 month for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $260,000

5 Beds, 5 Baths 4770 sqft Vacation Property Constructed In 1972 with Wood Flooring, Wood Shake Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Central Air Conditioning, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

49 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $390/9 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $75,000

3 Beds, 3 Bath 1790 sqft Seasonal Residence Constructed In 1942 with Stone Flooring, Membrane Roof, Crawl Space Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

45 Years old Single Female who has a Full Time Job with household income of $100-$150,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $60/1 month for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $85,000

4 Beds, 4 Baths 1710 sqft Vacation Property Constructed In 1958 with Hardwood Flooring, Metal Roof, Chainwall Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Swimming Pool, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

40 Years old Married Male who is a Freelancer 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

  • Guests at home

Home Insurance Rate of $500/9 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $55,000

2 Beds, 2 Bath 1090 sqft Rental Property Constructed In 1961 with Ceramic Tile Flooring, Wood Shake Roof, Chainwall Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

69 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 :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $50/1 month for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $105,000

3 Beds, 3 Bath 2280 sqft Primary Residence Constructed In 1955 with Carpet over wood flooring, Asphalt Shingles Roof, Piers Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

46 Years old Single 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 :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $150/2 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $140,000

5 Beds, 5 Baths 3140 sqft Rental Property Constructed In 1965 with Linoleum, Membrane Roof, Crawl Space Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Indoor Sprinklers, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Married Male who is a Freelancer with household income of $25-50,000 and has No Pets and is a Smoker

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

  • Up to 499 Credit Score

Sweetwater, TX Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
79556 $56,900 $1,000

Sweetwater Rates & Quotes Analysis:

Sweetwater Area Estimated House Insurance
Vista Ct, W 11th St, Quail Run Dr, Co Rd 250, E 13th St, Laguna Dr, Co Rd 145, E 12th St, Campbell St, Fowler St$1,032
Burch St, E 15th St, Hiawatha St, Hillside Rd, W Ave J, Beryle St, W Colorado Ave, Robert Lee St, Hightower St, Morris Ave$1,010
Jenny George Ln, Robert Lee St, W 8th St, Bawcom St, Washington St, Haskell St, Gulfton Rd, Cypress St, Hughes St, W 14th St$986
Hoyt St, E 17th St, Bales, E 14th St, W 3rd St, W 4th St, Thomas St, Co Rd 248, Skinney Dr, Co Rd 118$1,010
E Arkansas Ave, W Ave C, W 7th St, W Ave D, Avalon Dr, Co Rd 119, E 13th St, W Ave C, Hoyt St, Lemon St$976

Insurance rates are influenced by a number of factors including:

  • Year Built: 946 Homes (16% of total) built between 1960 to 1969 in Sweetwater are paying home insurance between $1,741-$1,756 and differs from Merkel (+$12), Hermleigh (+$40), Taylor County (+$41), Loraine (-$19) and Tye (-$20).
  • Bedrooms: 624 4 bedrooms homes (10% of total homes ) in Sweetwater are paying about $1,192. Areas near to Sweetwater such as Nolan County, Trent, Roby are costlier by $31, $9, $15 respectively.
  • Auto Insurance Bundling: 1,115 Households (36% of all households) in Sweetwater have 2 vehicles available and when it is bundled with home insurance you can save $198 compared to Nolan County ($199), Trent ($198), Roby ($199).
  • Senior Discounts: 1,570 seniors (more than 55 years) occupied housing units (51% of total) in Sweetwater get discounts between $148 to $151. The comparative concessions in proximate regions such as Nolan County, Trent and Merkel are $149, $148 and $150 respectively.
  • New Homes discounts: New homes such as the 1,793 homes built between 2000 to 2009 in Sweetwater can save $198 and similar new home insurance discounts in nearby towns and cities like Nolan County, Trent and Roby are $199, $198 and $199 respectively.

Sweetwater Homeowners insurance Facts

  • Sweetwater, TX has 3,039 owner occupied houses which is 64.9% of all units whereas Nolan County, Trent and Roby have 68.21%, 82.2% and 82.65% respectively.
  • Sweetwater, TX homeowners yearly insurance price at $994 is 1.8% of the typical house value of $55,100 which is in contrast with 1.8% in Nolan County, 1.89% at Trent & 1.6% in Roby.
  • Homeowners in Sweetwater, TX pay 1.33% of their income ($75,000 or more) in insurance whereas homeowners in Nolan County, Trent and Roby pay 1.33%, 1.32% and 1.33% respectively.
  • Sweetwater, TX’s insurance is 8.6% of monthly housing costs of $969/month, for owners with a mortgage compared to 8.76% in Nolan County, 9.06% at Trent & 10.13% in Roby. But, for households without a mortgage, insurance is 23.7% of costs ($350 in Sweetwater, TX) in contrast with 24.24% in Nolan County, 22.8% at Trent & 21.22% in Roby.

Sweetwater, TX Home Values & Insurance rates

For example, insurance for 116 Homes (3.0% of total homes ) valued between $100,000 to $124,999 in Sweetwater, TX is about $1,978. Rates in nearby areas in such as Roby, Roscoe, Merkel are cheaper by $222, $86, $288 respectively while Nolan County and Blackwell-Nolan are costlier by $2 and $147 respectively for similar homes.

Sweetwater, TX Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,426 47.0% $447
$50,000 to $59,999 183 6.0% $944
$60,000 to $69,999 189 6.0% $1162
$70,000 to $79,999 213 7.0% $1351
$80,000 to $89,999 201 6.0% $1530
$90,000 to $99,999 132 4.0% $1709
$100,000 to $124,999 116 3.0% $1978
$125,000 to $149,999 71 2.0% $2475
$150,000 to $174,999 170 5.0% $2922
$175,000 to $199,999 88 2.0% $3379
$200,000 to $249,999 78 2.0% $4065
$250,000 to $299,999 42 1.0% $4970
$300,000 to $399,999 63 2.0% $6311

Renters Insurance in Sweetwater

  • Average Renters Insurance in Sweetwater :  $257($21/month)

  • Median Gross Rent in Sweetwater :  $522

  • Sweetwater Renters Insurance to Median Rent Ratio:  4.02%

  • Renter occupied housing units in Sweetwater :  1,647

Sweetwater Renters Insurance as a Percentage of Rent

Sweetwater Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 76 5.0% $364
$200 to $299 149 10.0% $814
$300 to $499 439 29.0% $1264
$500 to $749 515 35.0% $1939
$750 to $999 158 10.0% $2689
$1,000 to $1,499 83 5.0% $3814
$1,500 or more 49 3.0% $5464

Rent Affordability in Sweetwater:

Approximately 43.0% (724) of households are spending more than 35% of their income on gross rent in Sweetwater

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 222 13.0%
15.0 to 19.9 percent 207 12.0%
20.0 to 24.9 percent 237 14.0%
25.0 to 29.9 percent 189 11.0%
30.0 to 34.9 percent 68 4.0%
35.0 percent or more 724 43.0%

Protective device discount in Sweetwater Up to :  $38

Claims-free discount in Sweetwater Up to :  $51