Bandera Insurance Rates:

Bandera, TX homeowners insurance is about $880 to $1,206, about $73-$100/month. Our detailed analysis shows customers can save as much as $416 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
I wish the rates of the products available through State Farm were more accurately priced. There is too much confusion at times.

Bandera, TX Homeowners Insurance By Home Value

Bandera, TX Home Value Total Homes % of Total Average Bandera, TX Homeowners Insurance
Less than $50,000 828 15.0% $177
$50,000 to $59,999 266 4.0% $385
$60,000 to $69,999 260 4.0% $479
$70,000 to $79,999 123 2.0% $552
$80,000 to $89,999 251 4.0% $625
$90,000 to $99,999 266 4.0% $698
$100,000 to $124,999 674 12.0% $812
$125,000 to $149,999 424 7.0% $1010
$150,000 to $174,999 527 9.0% $1198
$175,000 to $199,999 295 5.0% $1385
$200,000 to $249,999 593 10.0% $1667
$250,000 to $299,999 410 7.0% $2042
$300,000 to $399,999 598 10.0% $2594

Top Home Insurance Agents Near Bandera, TX

Home Insurance Company Near Bandera, TX Homeowners Insurance Agency Near Bandera, TX Address
State Farm David Swift 8201 Roughrider Dr, Windcrest, TX, 78239-2430
Travelers Denice L Kemp 1415 E BLANCO STE 5, BOERNE, TX, 78006
Liberty Mutual Independent Harding Conley Drawert Tinch Ins 2161 NW MILITARY HWY STE 210, SAN ANTONIO, TX, 78213
Liberty Mutual Independent Higginbotham Insurance Agency Inc 1826 N LOOP 1604 W STE 375, SAN ANTONIO, TX, 78248
Travelers Sanger & Altgelt Llc 755 E MULBERRY STE 150, SAN ANTONIO, TX, 78212

Cost Of Homeowners Insurance By Street Near Bandera, TX

Streets in Bandera Area Homeowners Insurance Cost
Circle R Dr, Western Path, Thorton Ln, Dorothy St, Bandina Ranch Rd, Ohio Ave, Whartons Dock Rd, Star Dance Trl, State Hwy 46, Chipman Ln$1,047
Arrowhead Pt, 18th St E, Cliff Dr, Settlers Ln, Oak Bend Dr, Harbor Breeze, 20th St E, Spur Dr, N Fork, Faurie Rd$996
Vista W, Rio Oak Rd, 14th St E, Boot Hill Dr, Seth Dr, Panther Ridge, Coyote Trl, Sunset Trl, Diamond J S, Cedar Berry Rd$1,047
8th St W, Butte Rd S, N Lakeside Dr, Mountain Laurel Ln, Montague Dr, Ken's Rd, Frontier Dr, Broken Bow Dr, Bruin Creek Rd, Pipe Springs Dr$1,063
32nd St W, Enchanted River Dr, Bailey Cir, Odom's Rd, Edwards Ln, Hill Country Cir, Forest Breeze Dr, Stolles Dr, Austin St, Backhaus Rd$1,050

Bandera, TX Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Bandera$155 to $157
Lake Medina Shores$150
Lakehills$157
Bandera County$156

Bandera, 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
Lake Medina Shores CDP, Texas $125 $167 $250
Lakehills CDP, Texas $132 $175 $263
Center Point CCD, Kerr County, Texas $131 $175 $262

Bandera, 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
Bandera, TX6.9%23.1%
Lake Medina Shores9.63%29.4%
Lakehills6.38%26.27%
Center Point7.73%22.46%

Bandera Renters Insurance as a Percentage of Rent

Bandera Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 14 1.0% $347
$200 to $299 17 1.0% $797
$300 to $499 136 11.0% $1247
$500 to $749 425 35.0% $1922
$750 to $999 279 23.0% $2672
$1,000 to $1,499 266 22.0% $3797
$1,500 or more 50 4.0% $5447

Bandera, TX Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,100$3,100
Yearly Bandera Homeowner Insurance Premium Example $1,300$900
Out of Pocket Expense During Claim$1,100$3,100
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $11,500$10,300
Net Savings to Bandera Home Owner from High Deductible Plan $1,200

Bandera, TX Home Insurance Costs With Home Replacement Value Scenarios

Scenario Bandera, TX Home Replacement Value MORE than Home Value Bandera, TX Home Replacement Value LESS than Home Value
Replacement Value $199,000 $129,500
Insurance Premium based on Replacement Value $1,650 $1,075
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $28,500 Risk Exposure from Under Insuring Coverage is $41,000
Premium Impact Insurance cheaper by $350/year Insurance costlier by $225/year

Example Bandera Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualGEICO InsuranceAllstate
Monthly Premium 7410093
Year Built 200820101981
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths4 Beds, 1 Baths
Coverage Amount $150000-$175000$150000-$175000$175000-$200000
Deductible $2500-$5000 Deductible$500 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2013 270,000 Composition Roof 3,250 4 > $10,000 Deductible 780 7 Vinyl siding No
2003 185,000 Shingles Roof 2,090 4 $5000 to $10,000 Deductible 710 7 Fiber-Cement Siding yes
1984 125,000 Asphalt Shingles Roof 1,730 2 $500 Deductible 290 3 Stucco siding No
1989 165,000 Wood Shake Roof 1,940 4 $1000-$2500 Deductible 430 5 Wood siding No
1994 85,000 Tile Roof 1,040 2 $2500-$5000 Deductible 100 3 Brick siding yes
2002 160,000 Wood Shake Roof 1,510 3 $500- $1000 Deductible 370 4 Wood siding No
2010 85,000 Asphalt Shingles Roof 980 2 $500- $1000 Deductible 40 1 Vinyl siding No
2005 160,000 Composition Roof 1,740 2 $1000-$2500 Deductible 1210 9 Stucco siding No
1980 75,000 Composition Roof 1,040 2 $1000-$2500 Deductible 590 10 Fiber-Cement Siding No
2009 165,000 Asphalt Shingles Roof 2,190 4 $1000-$2500 Deductible 760 6 Fiber-Cement Siding yes
1990 180,000 Composition Roof 1,930 3 $500- $1000 Deductible 1530 10 Stucco siding yes
2010 130,000 Metal Roof 1,550 3 $1000-$2500 Deductible 290 4 Fiber-Cement Siding No
1983 190,000 Composition Roof 2,000 4 $2500-$5000 Deductible 270 3 Vinyl siding yes
1987 260,000 Shingles Roof 3,370 4 $500- $1000 Deductible 1680 8 Wood siding yes
2010 220,000 Shingles Roof 2,190 4 $2500-$5000 Deductible 490 4 Stone Siding yes
2008 125,000 Slate Shingles Roof 1,510 2 $1000-$2500 Deductible 380 5 Brick siding No
2011 250,000 Metal Roof 2,740 4 > $10,000 Deductible 650 6 Stucco siding yes
1999 205,000 Tile Roof 2,190 4 > $10,000 Deductible 360 4 Stone Siding yes
1996 165,000 Shingles Roof 1,780 2 $1000-$2500 Deductible 340 4 Vinyl siding No
2007 165,000 Shingles Roof 2,180 3 $500 Deductible 110 1 Stucco siding No
2001 105,000 Metal Roof 1,400 3 $500- $1000 Deductible 270 4 Wood siding No
2012 90,000 Asphalt Shingles Roof 1,230 2 $2500-$5000 Deductible 120 3 Wood siding yes
2013 100,000 Composition Roof 1,060 2 $1000-$2500 Deductible 320 7 Fiber-Cement Siding yes
2007 110,000 Metal Roof 1,110 2 $500 Deductible 520 5 Stone Siding yes
1992 240,000 Composition Roof 2,290 4 $500 Deductible 1720 8 Brick siding No
2012 325,000 Shingles Roof 3,400 4 $1000-$2500 Deductible 2270 8 Fiber-Cement Siding yes
2011 185,000 Membrane Roof 1,880 3 $2500-$5000 Deductible 990 9 Wood siding yes
1993 120,000 Asphalt Shingles Roof 1,430 2 $1000-$2500 Deductible 380 5 Vinyl siding No
1990 170,000 Tile Roof 1,670 3 $2500-$5000 Deductible 420 5 Stone Siding yes
1991 230,000 Tile Roof 2,200 3 $500 Deductible 1730 12 Stone Siding No