Beaumont ,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 Beaumont, 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 Beaumont, TX is $1992. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Beaumont, TX. VHome Insurance will help you navigate the world of homeowners insurance coverages in Beaumont, TX.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $797 |
| $200,000 | $1,355 |
| $300,000 | $1,673 |
| $400,000 | $2,550 |
| $500,000 | $3,207 |
Home insurance costs in Beaumont 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 |
|---|---|
| 077708 | $2,686 |
| 77702 | $2,691 |
| 77705 | $2,637 |
| 77703 | $2,603 |
| 77701 | $2,578 |
| 77706 | $2,761 |
| 77713 | $2,732 |
| 77707 | $2,682 |
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 Beaumont, TX, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $2,042 |
| $1000 Deductible | $1,827 |
| $1500 Deductible | $1,723 |
| $2500 Deductible | $1,554 |
| $5000 Deductible | $1,315 |
| Home Insurance Company Near Beaumont, TX | Homeowners Insurance Agency Near Beaumont, TX | Address |
|---|---|---|
| NA | Gulf Coast Insurance Agency | 2860 Interstate 10 East , Beaumont, TX, 77703 |
| State Farm | Heather Montagne | 3127 N 16th St, Orange, TX, 77630-2383 |
| State Farm | Keith Wolfe | 2431 Mlk Dr, Orange, TX, 77630-1774 |
| Allstate | Meadow Coward | 334 Main St Ste 3, Liberty, TX, 77575 |
| Farmers | Patricia De La Concha | 3175 Calder St, Beaumont, TX, 77702 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Rose City city, Texas | $125 | $166 | $249 |
| Rose Hill Acres city, Texas | $129 | $171 | $257 |
| Bevil Oaks city, Texas | $129 | $172 | $258 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Beaumont, TX | 7.0% | 20.0% |
| Rose City | 7.77% | 24.75% |
| Rose Hill Acres | 7.42% | 20.27% |
| Bevil Oaks | 7.03% | 16.98% |
| Beaumont Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 441 | 2.0% | $355 |
| $200 to $299 | 956 | 5.0% | $805 |
| $300 to $499 | 2,169 | 11.0% | $1255 |
| $500 to $749 | 5,610 | 30.0% | $1930 |
| $750 to $999 | 5,417 | 29.0% | $2680 |
| $1,000 to $1,499 | 2,816 | 15.0% | $3805 |
| $1,500 or more | 710 | 3.0% | $5455 |
| Streets in Beaumont Area | Homeowners Insurance Cost |
|---|---|
| Earl St, N Willowood Ln, Tenaha St, Wade St, Brace Dr, Galveston St, Redwood Dr, Austin St, Cherrywood Dr, Johns St | $990 |
| Roland Rd, Bankston Rd, Brownstone Pl, Maple Ave, McGee Ln, Vw & R Dr, Emile St, S Garden Dr, Robinson St, N 21st St | $993 |
| Forest Glen, Jean Dr, Augusta Dr, Phillips St, Dewey St, Ashley Ave, Mitchell Ln, Townhouse Ln, Camellia Dr, E Caston St | $992 |
| Lantern Dr, Rolling Hills Dr, Rice Cir, Chepeg St, Merion, W Florida Ave, Simmons Ave, Bun St, Southern Pacific Ave, Cement St | $1,030 |
| Falsworth Dr, Spindletop Ave, E Clubb Rd, Margaret Ln, Drennan Dr, Sunnydale St, Pleasant Bend Dr, Dickinson St, Donna Ln, Evergreen Ln | $1,016 |
| Wildwood Dr, Gardner St, Fulbright Rd, Masterson Dr, Jenard St, N 14th St, Melrose St, Woodridge St, Southern Pacific Rd, Silver St | $1,019 |
| Holland Dr, N 2nd St, Manion Ct, Wier Dr, E Florida Ave, Crescent Dr, Best Rd, Heights Ave, Spring St, E Delaware St | $1,093 |
| Crossmeadow Dr, Hidden Valley Dr, Opal St, Seagull Ln, Tyrrell Park Rd, Galewood Ln, N 19th St, Norwalk Ln, Hodgson Rd, Smart Dairy Ln | $1,035 |
| Thoreau St, Ridgeland Dr, George St, Washington St, Monterrey Dr, Ivy Ln, Jirou St, Averill St, Lake Placid, Sunnyside Dr | $1,030 |
| Arthur St, Sheridan Pl, Ted Roll Ln, Ollie St, Broadoak, Capo St, W Caldwood Dr, Sarah St, Falcon Ln, Terry St | $1,004 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Beaumont | $152 to $155 |
| Rose City | $149 |
| Rose Hill Acres | $154 |
| Bevil Oaks | $155 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $700 | $1,700 |
| Yearly Beaumont Homeowner Insurance Premium Example | $900 | $700 |
| Out of Pocket Expense During Claim | $700 | $1,700 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $7,900 | $7,300 |
| Net Savings to Beaumont Home Owner from High Deductible Plan | $600 | |
| Scenario | Beaumont, TX Home Replacement Value MORE than Home Value | Beaumont, TX Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $67,500 | $39,000 |
| Insurance Premium based on Replacement Value | $650 | $375 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $14,000 | Risk Exposure from Under Insuring Coverage is $14,500 |
| Premium Impact | Insurance cheaper by $125/year | Insurance costlier by $150/year |
| Insurance Company | State Farm | Chubb Group of Insurance | Amica Mutual Insurance Company |
| Monthly Premium | 83 | 103 | 113 |
| Year Built | 1964 | 2012 | 1986 |
| Home Details | 3 Beds, 1 Baths | 5 Beds, 4 Baths | 4 Beds, 2 Baths |
| Coverage Amount | $100000-$125000 | $175000-$200000 | $150000-$175000 |
| Deductible | $500 Deductible | $1000-$2500 Deductible | $500- $1000 Deductible |