Amarillo Insurance Rates:

Amarillo ,TX Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.

VHome Insurance conducted a thorough analysis of the Amarillo, TX homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Amarillo, TX is $2017. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Home Insurance Companies in Amarillo, TX: Customer-Reviewed Options


Amarillo, TX Homeowners Insurance Rates by Coverage Level

It is important to understand the different coverage options available in Amarillo, TX. VHome Insurance will help you navigate the world of homeowners insurance coverages in Amarillo, TX.

Coverage Level Average Annual Premium
$100,000 $807
$200,000 $1,372
$300,000 $1,694
$400,000 $2,582
$500,000 $3,247


Amarillo, TX Homeowners Insurance Rates by ZIP Code

Home insurance costs in Amarillo can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.

Zipcode Average Insurance Premium
079110 $2,657
79108 $2,661
79102 $2,664
79103 $2,632
79104 $2,586
79107 $2,594
79101 $2,602
79119 $2,855
79124 $2,874
79121 $2,782
79109 $2,733
79118 $2,748
79106 $2,682


Amarillo, TX Homeowners Insurance Deductibles

One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Amarillo, TX, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $2,068
$1000 Deductible $1,850
$1500 Deductible $1,745
$2500 Deductible $1,573
$5000 Deductible $1,331



Top Home Insurance Agents Near Amarillo, TX

Home Insurance Company Near Amarillo, TX Homeowners Insurance Agency Near Amarillo, TX Address
Farmers Georgee Ruiz Williams 600 S Tyler St Ste 900, Amarillo, TX, 79101
Farmers Kevin Kuhler 2417 Hobbs Rd Ste 105, Amarillo, TX, 79109
Allstate Tammy Payne 201 E 19th St, Dumas, TX, 79029
Farmers Tyler Cox 1619 S Kentucky St Ste A508, Amarillo, TX, 79102
Travelers Williams-Boyce Agency Llp 212 E 6TH, AMARILLO, TX, 79101

Amarillo, TX Home Insurance Agents for Top Companies


Amarillo, 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
Bishop Hills town, Texas $137 $182 $273
Palisades village, Texas $128 $170 $255
Timbercreek Canyon village, Texas $137 $182 $273


Amarillo, 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
Amarillo, TX7.3%21.1%
Bishop Hills6.01%14.42%
Timbercreek Canyon4.84%15.19%

Amarillo Renters Insurance as a Percentage of Rent

Amarillo Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 414 1.0% $353
$200 to $299 540 2.0% $803
$300 to $499 3,282 12.0% $1253
$500 to $749 10,476 40.0% $1928
$750 to $999 6,946 26.0% $2678
$1,000 to $1,499 3,262 12.0% $3803
$1,500 or more 1,005 3.0% $5453

Cost Of Homeowners Insurance By Street Near Amarillo, TX

Streets in Amarillo Area Homeowners Insurance Cost
Ravine Trl, Brook Ave, Clover Dr, Willow Oak Pl, Sequoia St, Caddo Rd, Rogers St, Irene Dr, NE 3rd Ave, SW 19th Ave$995
Veteran St, W 26th Ave, S la Salle St, S Eastern St, SE 28th Ave, Loma Vista Dr, S Masterson Rd, Redondo Dr, Arroyo Dr, N Palo Duro St$1,019
Church Ave, Mimosa Ln, FM 2176, Hudson Ave, Hobbs Rd, Woodbury Pl, N Ong St, Glenview Ct, Rio Grande Ave, SW 16th Ave$1,094
Silver Hill Cir, San Jacinto Ave, Heidi Ln, St Paul St, Keystone Dr, Painted Daisy Pl, Bellaire St, N Lamar St, S Goliad St, N Nance St$1,037
Angelus Dr, S Florida St, N Lincoln St, S Julian Blvd, Access Rd, Nix St, N Bonham St, Willis Knight St, Busher Ln, Gallardia Ave$995
N Washington St, Simpson Dr, Ransome Dr, Colida Ln, Wisdom Dr, S Madison St, Hilltop Dr, S Goliad St, S Seminole St, E 5th Ave$1,025
Redwood St, Hester Rd, San Jacinta, Crenshaw St, N Manhattan St, S Forest St, S Austin St, Wallace Blvd, James Ave, Potter Dr$1,035
S Fannin St, S Seminole St, Range Trl, Givens Ave, S Maryland St, Ingram Dr, Foxglove St, S Goliad St, Persimmon Ln, SW 25th Ave$1,027
Panhandle Ave, N Hughes St, Hazell Ave, Didrickson Ln, NE 27th St, Tularosa St, SE 20th Ave, W Hastings Ave, Folsom Rd, S Harrison St$1,034
SE 5th Ave, Rimrock Trl, S Tyler St, S Fannin St, S Rosemont St, Everett Ave, E 2nd Ave, S Arthur St, Bourgeois St, Hetrick Dr$1,001

Amarillo, TX Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Amarillo$153 to $156
Bishop Hills$164
Lake Tanglewood$170

Amarillo, TX Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Amarillo Homeowner Insurance Premium Example $800$600
Out of Pocket Expense During Claim$1,900$2,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $8,300$7,700
Net Savings to Amarillo Home Owner from High Deductible Plan $600


Amarillo, TX Home Insurance Costs With Home Replacement Value Scenarios

Scenario Amarillo, TX Home Replacement Value MORE than Home Value Amarillo, TX Home Replacement Value LESS than Home Value
Replacement Value $140,500 $92,500
Insurance Premium based on Replacement Value $1,500 $975
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $19,000 Risk Exposure from Under Insuring Coverage is $29,000
Premium Impact Insurance cheaper by $325/year Insurance costlier by $200/year


Example Amarillo Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyGEICO InsuranceFarmers Insurance
Monthly Premium 12310162
Year Built 199119691976
Home Details 5 Beds, 2 Baths4 Beds, 2 Baths2 Beds, 1 Baths
Coverage Amount $250000-$300000$250000-$300000$75000-$100000
Deductible > $10,000 Deductible> $10,000 Deductible$500- $1000 Deductible