Baytown Insurance Rates:

Baytown, TX homeowners insurance is about $862 to $1,170, about $71-$97/month. Our comprehensive research shows customers can save upto $406 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 would recommend. Our agent is wonderful and always willing to answer any questions in a timely manner.
State Farm
The one thing i can say i don't like is how the office is set up and ran. the office manager is rather rude to the staff.
Allstate
Although at some points the company would put me on hold a lot and even reject my call even if it was an emergency
Hochheim Prairie Insurance
Our home insurance is a local company within our overall area of the panhandle of texas. we are insured through hochheim-prairie insurance located in canyon, texas. the company serves the area through several sorts of homeowner insurance needs. we have the normal type of homeowner insurance found with other providers but this insurance is affordable and we were offered an extra option for liability coverage on our property. most of the coverage we have is comparable to the local industry but less expensive than the bigger, national insurers.
State Farm
The website has been great. It is where I set up my payments and check on the status of any forms I have submitted.
Rvos Insurance
It's extremely easy to use and navigate. I've never really had any issues looking for what I need to, unlike other websites.
Liberty Mutual
We live in a manufactured home that is not on "real" property (There is no solid foundation), so most insurance companies either don't cover our home or charge a much larger premium.
The Hartford
They charge a fee for making payments on your policy unless you pay the total in full. They dont seem to offer any type of discount if you go without a claim.
Allstate
The times I have called into service they have been pretty good about helping me but sometimes that conversation has been used to raise rates due to a question about a possible claim.

Baytown, TX Homeowners Insurance By Home Value

Baytown, TX Home Value Total Homes % of Total Average Baytown, TX Homeowners Insurance
Less than $50,000 2,559 17.0% $263
$50,000 to $59,999 1,031 7.0% $568
$60,000 to $69,999 1,163 7.0% $700
$70,000 to $79,999 1,053 7.0% $812
$80,000 to $89,999 1,239 8.0% $923
$90,000 to $99,999 1,235 8.0% $1035
$100,000 to $124,999 2,134 14.0% $1197
$125,000 to $149,999 1,419 9.0% $1492
$150,000 to $174,999 1,125 7.0% $1766
$175,000 to $199,999 531 3.0% $2040
$200,000 to $249,999 635 4.0% $2456
$250,000 to $299,999 330 2.0% $3004
$300,000 to $399,999 214 1.0% $3816

Top Home Insurance Agents Near Baytown, TX

Home Insurance Company Near Baytown, TX Homeowners Insurance Agency Near Baytown, TX Address
NA Dolan Insurance 413 E. Nasa Rd 1, Webster, TX, 77598
Nationwide Barhorst Ins Group Ltd 10610 Northwest Freeway STE H, Houston, TX, 77092
State Farm Dan Brooks 12619 Sprg Cypress Rd, Tomball, TX, 77377-8042
State Farm Lovina Barrett 25915 Interstate 45 Ste F, Spring, TX, 77380-3650
Allstate Parya Sobhani 1035 N Dairy Ashford Rd Ste 225, Houston, TX, 77079

Cost Of Homeowners Insurance By Street Near Baytown, TX

Streets in Baytown Area Homeowners Insurance Cost
Heather Ln, Lafayette Dr, Turner St, N Gaillard St, Quail Hollow Dr, Rollingcreek Dr, Meadowood Cir, Cinnamon St, S Gulls Cut, Mc Lean Rd$1,017
Old Oaks Dr, Deerwood Cir, Baytown Loop, Vine St, Estate Dr, Narcille St, Gwenn Ln, S 2nd St, N Jones St, E Republic St$1,017
Maplewood St, Raccoon Dr, Marvin, Dwinnell St, Kilgore Rd, Nolan Rd, Carnegie St, Narcille St, Brownwood Dr, Red Cedar Bend$1,013
Coburn St, Green Tee Dr, Iowa St, Abbott St, Parkwood Dr, Sugar Bush St, N Laura Cir, Vista Ave, Singleton Rd, Mable St$1,031
Reflection Cir, Thibodeaux St, Hunters Ridge Dr, Summer Ln, Bayless, Hunter's Way Ln, Manor Dr, FM 2354, Barcelona Way, Cedar Hollow St$1,038

Baytown, TX Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Baytown$152 to $154
Morgan's Point$156
Highlands$151
La Porte$154

Baytown, 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
Morgan's Point city, Texas $131 $174 $261
Highlands CDP, Texas $127 $169 $253
La Porte city, Texas $129 $171 $257

Baytown, 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
Baytown, TX6.5%17.5%
Morgan's Point3.98%14.07%
Highlands6.87%20.87%
La Porte6.09%16.76%

Baytown Renters Insurance as a Percentage of Rent

Baytown Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 137 1.0% $806
$300 to $499 552 5.0% $1256
$500 to $749 3,170 33.0% $1931
$750 to $999 3,404 36.0% $2681
$1,000 to $1,499 1,780 18.0% $3806
$1,500 or more 268 2.0% $5456

Baytown, TX Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$800$4,800
Yearly Baytown Homeowner Insurance Premium Example $2,700$1,900
Out of Pocket Expense During Claim$800$4,800
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $19,700$18,100
Net Savings to Baytown Home Owner from High Deductible Plan $1,600

Baytown, TX Home Insurance Costs With Home Replacement Value Scenarios

Scenario Baytown, TX Home Replacement Value MORE than Home Value Baytown, TX Home Replacement Value LESS than Home Value
Replacement Value $121,500 $74,500
Insurance Premium based on Replacement Value $1,275 $775
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $25,000 Risk Exposure from Under Insuring Coverage is $22,000
Premium Impact Insurance cheaper by $250/year Insurance costlier by $250/year

Example Baytown Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceNationwide InsuranceTravelers
Monthly Premium 5411387
Year Built 199319822010
Home Details 2 Beds, 1 Baths5 Beds, 3 Baths3 Beds, 1 Baths
Coverage Amount $50000-$75000$125000-$150000$175000-$200000
Deductible $500 Deductible$500 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1966 155,000 Wood Shake Roof 1,980 5 $1000-$2500 Deductible 970 10 Vinyl siding No
1979 325,000 Slate Shingles Roof 4,590 5 $500- $1000 Deductible 260 1 Fiber-Cement Siding yes
2003 95,000 Membrane Roof 1,300 3 $500- $1000 Deductible 430 5 Vinyl siding yes
1988 85,000 Tile Roof 1,080 2 $500- $1000 Deductible 350 7 Stucco siding yes
2000 65,000 Wood Shake Roof 1,120 2 $2500-$5000 Deductible 100 3 Fiber-Cement Siding yes
1977 120,000 Metal Roof 1,890 4 $500 Deductible 750 7 Fiber-Cement Siding No
1968 120,000 Composition Roof 1,500 3 $500 Deductible 980 8 Fiber-Cement Siding yes
1984 160,000 Slate Shingles Roof 2,390 4 $1000-$2500 Deductible 80 1 Wood siding yes
1982 370,000 Metal Roof 4,810 5 $500 Deductible 3180 10 Brick siding No
2006 140,000 Membrane Roof 1,920 4 $2500-$5000 Deductible 620 6 Stone Siding yes
1996 95,000 Slate Shingles Roof 1,640 4 $1000-$2500 Deductible 230 3 Stucco siding yes
2001 95,000 Wood Shake Roof 1,400 2 $500 Deductible 380 6 Fiber-Cement Siding yes
2006 95,000 Composition Roof 1,330 2 $500 Deductible 240 4 Stone Siding yes
1986 105,000 Tile Roof 1,350 3 $1000-$2500 Deductible 730 12 Vinyl siding No
2004 145,000 Membrane Roof 2,080 4 $500- $1000 Deductible 450 4 Stone Siding yes
1999 225,000 Asphalt Shingles Roof 3,060 4 $500 Deductible 1650 10 Stucco siding yes
2006 100,000 Shingles Roof 1,430 3 $500- $1000 Deductible 560 10 Brick siding No
1991 155,000 Slate Shingles Roof 2,230 3 $5000 to $10,000 Deductible 50 1 Stucco siding No
2008 290,000 Shingles Roof 3,600 5 $1000-$2500 Deductible 460 3 Stucco siding No
1980 115,000 Asphalt Shingles Roof 1,630 4 $2500-$5000 Deductible 310 6 Stucco siding No
1985 190,000 Metal Roof 2,400 3 $1000-$2500 Deductible 380 3 Fiber-Cement Siding No
1961 75,000 Tile Roof 1,080 2 $1000-$2500 Deductible 210 4 Stone Siding yes
2000 85,000 Membrane Roof 1,210 3 $500- $1000 Deductible 240 6 Brick siding yes
1997 80,000 Tile Roof 1,240 3 $2500-$5000 Deductible 100 2 Fiber-Cement Siding No
2011 260,000 Tile Roof 3,810 5 $1000-$2500 Deductible 400 2 Stucco siding No
1990 175,000 Asphalt Shingles Roof 2,810 4 $2500-$5000 Deductible 990 7 Vinyl siding No
1977 250,000 Composition Roof 3,150 4 $2500-$5000 Deductible 610 6 Fiber-Cement Siding yes
1963 130,000 Wood Shake Roof 1,640 4 $2500-$5000 Deductible 70 1 Vinyl siding yes
1963 100,000 Slate Shingles Roof 1,470 3 $500- $1000 Deductible 190 4 Stone Siding No
1964 110,000 Composition Roof 1,350 2 $1000-$2500 Deductible 250 4 Wood siding No
2008 135,000 Shingles Roof 2,110 4 $2500-$5000 Deductible 710 8 Stone Siding No
2014 95,000 Metal Roof 1,380 2 $500 Deductible 260 4 Fiber-Cement Siding No