Abilene Insurance Rates:

Abilene, TX homeowners insurance is nearly $865 to $1,171, about $72-$97/month. Our all inclusive research shows customers can save as much as $407 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Abilene, TX Discounts on HomeOwners Insurance

In Abilene, TX homeowners pay an average home insurance rate of $1569. Homeowners in Abilene can use discounts offered by different companies to reduce their rates further. To save money on your monthly payments homeowners can take advantage of discounts offered by some of the leading insurers in town like Nationwide and State Farm for a lower cost than what is currently being charged.

Home Insurance Discounts Based on Deductibles

Abilene_TX_Discounts_on_HomeOwners_Insurance

A newly constructed Abilene home can enjoy $361 off on homeowners insurance. Houses are at their lowest propensity to damage when they're new, which is why companies offer attractive discounts for these homes as well. In contrast, older houses attract higher rates of repair and maintenance costs - a cost that's reflected in the price of your homeowner’s insurance premium and leads them to be charged an additional fee. For instance Abilene homes older than 40 and 50 years receive an additional charge of $41 and $60, respectively, on home insurance.

Homeowners in Abilene can get up to $31 off their insurance premiums by installing a swimming  pool. Installing self-latching and self-closing gates around the pool also benefits your insurance rates and insurance companies provide discounts for the same. Additionally, senior citizens receive discounts on home insurance rates so it is a perk  that a household has at least one person over 50 years old living there.Homeowners who don't smoke or live with smokers may be eligible for an additional discount from certain companies too.

Although most of the factors that determine discounts cannot be controlled by  homeowners, they can benefit most by choosing deductibles to reduce home insurance rates. Homeowners can avail of attractive discounts by opting for higher deductibles. Abilene homeowners paying a high deductible of $2,500 can avail of a discount of $442.46 on homeowners insurance. Homeowners receive discounts of $370.6 and $248.84, respectively, on deductibles of $2,000 and $1,500.

Homeowners in Abilene who have a claims-free history with their home insurance company can receive discounts on their premiums.Homeowners with prior claims can pay more for factors such as the number and type of claims. By providing a history of zero claim, homeowners save money on their premiums in Abilene by $658.98 or $251.04 respectively based on two fire damage incidents or water-damage incidents they have experienced previously.

Abilene, TX, Best Home Insurance Companies

The average cost of home insurance in Abilene, TX, ranges between $865 to $1,171. Abilene homeowners tend to choose home insurance companies based on how reasonably priced their quotes are. However, homeowners should also consider other factors such as claims processing speed, customer service, and availability of discounts before choosing the home insurance company that best suits their needs. Below are the top 5 home insurance companies in Texas according to market share.

Abilene_TX_Best_Home_Insurance_Companies

State Farm

State Farm is the most prominent company in Texas, occupying the majority of the market share with 19.55%. The renowned home insurance company has written direct premiums worth $1,847,041 and has earned direct premiums worth $1,842,124. State Farm holds a financial strength rating of A++ from A.M. Best for its superior financial capacity to grant potential claims of current Abilene policyholders. It also received a customer satisfaction score of 4/5 from J.D. Power based on the feedback collected from policyholders.

Allstate

Allstate comes second to State Farm in terms of market share, occupying 13.08% of the home insurance market. Allstate has written direct premiums worth $1,236,065 and earned direct premiums worth $1,178,535. Allstate has the superior financial ability in granting potential claims of current Abilene policyholders and has been awarded a rating of A+ from A.M. Best. It received a customer satisfaction score of 3/5 from J.D. Power’s customer feedback survey.

Farmers

Farmers is another major player in the insurance segment holding a market share of 10.39% in Texas. The company has direct premiums written for a total value of $981,914. It has earned direct premiums worth $964,870. Farmers holds a financial strength rating of A+ for their superior financial ability to grant claims of current policyholders. According to customer feedback curated by J.D. Power, Farmers received a customer satisfaction rating of 3/5.

USAA

Even though USAA only offers its services to veterans, active, and retired military personnel, it has managed to hold a market share of 9.70%. It has direct premiums written worth $916,464, and direct premiums earned worth $881,961. USAA is the only home insurance company other than State Farm to receive a financial strength rating of A++ for its superior financial ability in granting claims of current Abilene policyholders. It also holds a perfect customer satisfaction score of 5/5 from J.D. Power.

Liberty Mutual

According to NAIC, Liberty Mutual holds a market share of 7.37% in Texas. The home insurance company has direct premiums written worth $696,450, and direct premiums earned worth $706,863. A.M. Best rated Liberty Mutual with an A for its excellent ability to grant potential claims of current policyholders. In terms of overall customer satisfaction, Liberty Mutual received a score of 3/5 from J.D Power.

Tips For Choosing The Best Abilene, TX, Home Insurance Company

In Abilene, TX, homeowners pay an average home insurance rate of $1,569 per annum. Vhome’s research reveals that Abilene homeowners can save up to $407 by comparing quotes and reviews of home insurance companies.

Financial Strength Rating

The financial strength of a home insurance company is determined by its ability to grant potential claims of current policyholders. Several renowned third-party agencies award ratings to home insurance companies based on their financial ability. For example, A.M. Best has awarded USAA a rating of A++ (superior), whereas, it awarded a rating of A (excellent) to Farmers. Abilene homeowners can use these ratings to narrow down their search for home insurance companies.

Customer Satisfaction Score

J.D. Power awards home insurance companies with customer satisfaction scores based on feedback collected from policyholders. USAA has a perfect customer satisfaction score of 5/5, whereas Farmers has a score of 3/5. The customer satisfaction scores are made available to Abilene homeowners to help them in their search for home insurance companies.

Add-on Policies

Agents of home insurance companies work closely with Abilene homeowners to understand their needs and create customized policies according to their requirements. Abilene homeowners are recommended to choose home insurance companies that offer add-on policies and endorsements to meet their requirements.

Processing Claims

Abilene homeowners can submit a claim online by providing proof of loss, along with supporting documents. It is important that homeowners get their coverage amount as early as possible. Abilene homeowners are advised to choose home insurance companies that have swift claims processes and require minimalist documentation.

Post-Claim Insurance Rates

Filing a claim can significantly increase home insurance rates. A study done by Vhome revealed that the homeowners insurance in Abilene could increase by up to $659 based on the type and number of claims. We caution Abilene homeowners to be wary of the increase in home insurance rates based on claims history.

Abilene_homeowners

Abilene, TX Homeowners Insurance By Home Value

Abilene, TX Home Value Total Homes % of Total Average Abilene, TX Homeowners Insurance
Less than $50,000 5,253 20.0% $264
$50,000 to $59,999 1,771 6.0% $549
$60,000 to $69,999 2,003 7.0% $682
$70,000 to $79,999 1,783 6.0% $794
$80,000 to $89,999 1,393 5.0% $895
$90,000 to $99,999 1,623 6.0% $997
$100,000 to $124,999 3,219 12.0% $1160
$125,000 to $149,999 2,618 10.0% $1455
$150,000 to $174,999 2,343 9.0% $1720
$175,000 to $199,999 1,174 4.0% $1985
$200,000 to $249,999 1,372 5.0% $2382
$250,000 to $299,999 765 2.0% $2911
$300,000 to $399,999 595 2.0% $3705

Top Home Insurance Agents Near Abilene, TX

Home Insurance Company Near Abilene, TX Homeowners Insurance Agency Near Abilene, TX Address
NA Weeks Hunter Insurance 1041 Hickory St, Abilene, TX, 79601
Allstate Clyde Insurance Agency 117 Oak Street, Clyde, TX, 79510
Travelers Perry Hunter Hall Inc 1548 N 1ST ST, ABILENE, TX, 79601
State Farm Sam J Corn 2302 S 14th St, Abilene, TX, 79605-4245
Allstate Tom Massey Agency 3262 Chimney Rock Rd Ste C, Abilene, TX, 79606

Abilene, TX Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Abilene, TX

Streets in Abilene Area Homeowners Insurance Cost
Alabama Rd, N Clack St, Oaklawn Dr, Hope St, Cobblestone Ln, S Frontage Rd, Iron Eagle Rd, Minda St, Hardwick Rd, Redwood Dr$990
Morrow Ln, Baker St, Knollwood, N Treadaway Blvd, Bar B Trl, Seaman's Way, Ash St, Vapor Trl, Pet Haven Rd, Cherry Hill E$985
Nichols Rd, Linda Vis, Avondale St, Roma Ln, W Lake Rd, Pinehurst, N Carver Dr, Elm Creek Rd, Bacacita Farms Rd, Austin St$1,058
S 25th St, N 17th St, Bruce Dr, Westway Dr, Primrose Dr, Redbird Ln, Medical Dr, Lytle Pl, Hamilton St, Sewell St$991
Co Rd 487, Crest Dr, A C U Agricultural Department, E South 27th St, S 28th St, Spindletop Dr, Delwood Dr, Bob White Ct, Springwater Ave, Paint Brush Dr$1,044
W Lake Phantom Rd, Durango Dr, Ventura Dr, FM 2404, A C U Dr, Continental Ave, W Stamford St, S 18th St, N la Salle Dr, Dunnam Dr$1,035
Lytle Way, E N 23rd St, Ave B, Hawk Cir, Patricia Ln, Inverrary Dr, Arizona St, Over St, Co Rd 495, Kingston Ct$1,059
Oil Belt Ln, Co Rd 687, E College Dr, Bristol Ct, Ruby Esther Cir, Mesquite Ln, Independence Dr, W N 20th St, Beltway S, Bronco Dr$1,056
Jeremy Ln, Red Oak Cir, San Jacinto Dr, Chaucer Dr, Woodard St, Pueblo, Briarwood St, 14th St, Cougar Way, Foster Ln$1,023
S 24th St, S 17th St, Co Rd 165, Sunlake Dr, Darrell Dr, Venice Dr, Erie St, Griggs St, Many Waters Dr, E South 5th St$1,057

Abilene, TX Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Abilene$152 to $154
Impact$144
Potosi$160
Tye$147

Abilene, TX Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Impact town, Texas $144 $192 $288
Potosi CDP, Texas $160 $213 $320
Tye city, Texas $147 $196 $294

Abilene, TX Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Abilene, TX7.7%20.3%
Potosi5.52%18.37%
Tye9.98%28.15%
Buffalo Gap8.74%28.42%

Abilene Renters Insurance as a Percentage of Rent

Abilene Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 305 1.0% $356
$300 to $499 1,844 10.0% $1256
$500 to $749 6,157 36.0% $1931
$750 to $999 4,561 26.0% $2681
$1,000 to $1,499 2,970 17.0% $3806
$1,500 or more 906 5.0% $5456

Abilene, TX Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,900$2,900
Yearly Abilene Homeowner Insurance Premium Example $600$400
Out of Pocket Expense During Claim$1,900$2,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,700$6,100
Net Savings to Abilene Home Owner from High Deductible Plan $600

Abilene, TX Home Insurance Costs With Home Replacement Value Scenarios

Scenario Abilene, TX Home Replacement Value MORE than Home Value Abilene, TX Home Replacement Value LESS than Home Value
Replacement Value $181,000 $119,500
Insurance Premium based on Replacement Value $1,900 $1,250
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $42,000 Risk Exposure from Under Insuring Coverage is $19,500
Premium Impact Insurance cheaper by $200/year Insurance costlier by $450/year

Example Abilene Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceAllstateFarmers Insurance
Monthly Premium 79103145
Year Built 199519721968
Home Details 3 Beds, 1 Baths5 Beds, 4 Baths4 Beds, 3 Baths
Coverage Amount $100000-$125000$150000-$175000$200000-$250000
Deductible $1000-$2500 Deductible$1000-$2500 Deductible$2500-$5000 Deductible

Sample Home Insurance Rates for Abilene, TX from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1987 150,000 Asphalt Shingles Roof 1,970 3 $500 Deductible 1390 12 Brick siding yes
1967 110,000 Asphalt Shingles Roof 1,970 3 $500- $1000 Deductible 310 3 Fiber-Cement Siding yes
1962 150,000 Shingles Roof 2,160 3 $500 Deductible 350 3 Fiber-Cement Siding No
1968 205,000 Composition Roof 3,120 5 $500- $1000 Deductible 650 4 Stone Siding yes
1970 300,000 Tile Roof 3,630 5 $500- $1000 Deductible 1090 5 Fiber-Cement Siding No
1979 95,000 Composition Roof 1,490 2 $500- $1000 Deductible 530 6 Stone Siding No
1999 175,000 Composition Roof 2,300 4 $500- $1000 Deductible 450 4 Fiber-Cement Siding yes
1975 250,000 Shingles Roof 3,040 4 $500- $1000 Deductible 270 2 Fiber-Cement Siding yes
1993 220,000 Wood Shake Roof 2,860 4 > $10,000 Deductible 360 4 Brick siding No
1960 100,000 Wood Shake Roof 1,600 2 $1000-$2500 Deductible 60 1 Stucco siding No
1970 205,000 Composition Roof 2,700 4 $2500-$5000 Deductible 150 1 Brick siding yes
1995 125,000 Shingles Roof 1,690 3 $2500-$5000 Deductible 820 9 Stone Siding yes
1989 140,000 Tile Roof 2,000 3 $500 Deductible 140 2 Vinyl siding No
1979 170,000 Tile Roof 2,390 3 $500- $1000 Deductible 920 8 Brick siding No
1966 225,000 Membrane Roof 2,900 4 $500 Deductible 1120 7 Stucco siding yes
2014 115,000 Composition Roof 1,750 3 $500 Deductible 920 12 Stucco siding No
1993 250,000 Slate Shingles Roof 3,120 4 > $10,000 Deductible 1460 12 Stone Siding yes
2011 280,000 Asphalt Shingles Roof 4,270 5 $500- $1000 Deductible 1250 6 Stone Siding No
1981 245,000 Membrane Roof 4,390 5 $2500-$5000 Deductible 730 5 Brick siding yes
2012 220,000 Membrane Roof 2,930 5 $500- $1000 Deductible 270 2 Wood siding No
1995 95,000 Asphalt Shingles Roof 1,630 3 $500 Deductible 630 9 Vinyl siding yes
1976 180,000 Asphalt Shingles Roof 2,330 4 $5000 to $10,000 Deductible 1080 12 Brick siding yes
2012 100,000 Wood Shake Roof 1,620 2 $500- $1000 Deductible 650 10 Wood siding yes
2013 95,000 Membrane Roof 1,710 5 $2500-$5000 Deductible 530 8 Stone Siding No
1971 140,000 Wood Shake Roof 2,120 4 $500 Deductible 340 4 Wood siding No
1980 95,000 Membrane Roof 1,550 5 $1000-$2500 Deductible 360 6 Stone Siding No
1978 240,000 Metal Roof 3,180 4 $500 Deductible 990 6 Stucco siding yes
1966 195,000 Slate Shingles Roof 2,440 4 $500- $1000 Deductible 1110 6 Brick siding No
1975 190,000 Composition Roof 2,950 4 $2500-$5000 Deductible 1120 10 Brick siding No

Latest Home Insurance Reviews

Geico
Price and service. The price is good and comparable. Also, when you call in everyone is so helpful. If they can't help you they will find the person that can.
Allstate
Allstate provides top shelf service and offerings but their premiums are getting a bit too high and I wouldn't recommend them as a result.
Alfa Insurance
The deductibles for the various types of coverage are typical of dwelling in this area. I believe I may have also been offered the opportunity to provide additional weather-related coverages.
Progressive
The premium on my home policy is very reasonable, I feel, for the coverage I am receiving. And the deductible, compared to some companies, is lower and more easily manageable should I ever have a claim.
Geico
I think there are some better options out there but Geico is still a solid choice.
Allstate
In my opinion they are not the cheapest when it comes to premiums and deductibles. This is probably related to the vast amount of services that they provide.
State Farm
We have a typical deductible for a house in our area. We have had two claims on other homes and our deductible did not increase.
Alfa Insurance
I am completely satisfied with my premium and deductibles. They are standard in the industry.
State Farm
I think that the premium and deductible for State Farm is comparable to policies from other companies. They may charge slightly more for premiums in regards to the amount of deductible offered, but is completely worth the higher cost.
Liberty Mutual
I am completely satisfied with my home insurance company. I have never had a problem switching my policy as I moved into a bigger house.
Geico
I like geico because it is cheap. however, i think it can be about $20 cheaper. i like the fact that i can see my account details online.
Progressive
I felt like it was a little rude when they told me they would be terminating my insurance with them after they paid out a large claim when my house was robbed.
Progressive
They are very transparent about what they do not cover. you don't have to worry about being blindsided by uncovered damages if something is to happen. i really enjoy knowing exactly what i do and do not have to worry about.
Travelers
If I call the communication is fine, but usually I don't have to call,because everything is going fine
Allstate
It's very user-friendly, I have information on the spot, easy view, and easy to use. If I have any issues, I can always come into the office and the representative will help me. They are truly excellent.
Liberty Mutual
I like that Liberty Mutual was recommended to me by apartment. Getting access was pretty quick and seamless.
State Farm
Of course it's high because of my credit score so I don't think it's necessarily the fault of my insurance company but it’s still higher than I would like to pay to be honest
State Farm
We do not have any negative comments about this insurance company at this time, they have always managed our account well.
Geico
I like that they give you a variety of options for communication. You can choose between phone, email, mail, and text. All the different options make it really convenient for all types of people.
State Farm
There isn't much to dislike. I guess one thing that would be nice is to have lower premiums - especially when you rarely file claims. But that is true of any insurance company.
State Farm
The only dislike as stated above in the scoring is that I would not want to be contacted so much about other insurance needs and services that they offer and want us to sign up for. No other complaints besides being a little nagging.
Allstate
I think that you get what you pay for. They have very good customer service with agents who take the time to explain things to me in a way that I understand. Their coverage is enough that I am not carrying more than I need yet it is enough that I feel comfortable in the event something would happen.
Progressive
Not a fan of their name, the website as well and app are very annoying too. And the app is not free which is a pain.
Liberty Mutual
They are a good company with great customer service, a wide variety of policy offerings, and pricing that is fair and affordable. I highly recommend them to anyone looking for a new insurance provider.
State Farm
I recommend this company to people because I know they will be happy with the service. a lot of other insurance companies are scams.
State Farm
Yes, I would recommend them, my experience using their services went well. I've also experienced making a claim on their auto side and everything went great as well.
Farmer's Insurance
I do not dislike anything about my insurance company. They have handled everything professionally and I have no complaints about them.
Geico
It is a great company. People are patient there. They answer your questions and understand what they are doing.
Farmer's Insurance
I enjoy that I am treated with importance and that the provider cares about maintaining an intimate relationship with me.
Allstate
there are no major reasons to dislike this company yet there are some more improvements can be made

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