Brownsville ,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 Brownsville, 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 Brownsville, TX is $1942. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Brownsville, TX. VHome Insurance will help you navigate the world of homeowners insurance coverages in Brownsville, TX.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $777 |
| $200,000 | $1,321 |
| $300,000 | $1,631 |
| $400,000 | $2,486 |
| $500,000 | $3,127 |
Home insurance costs in Brownsville 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 |
|---|---|
| 078526 | $2,666 |
| 78520 | $2,628 |
| 78521 | $2,598 |
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 Brownsville, TX, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,991 |
| $1000 Deductible | $1,781 |
| $1500 Deductible | $1,680 |
| $2500 Deductible | $1,515 |
| $5000 Deductible | $1,282 |
| Home Insurance Company Near Brownsville, TX | Homeowners Insurance Agency Near Brownsville, TX | Address |
|---|---|---|
| NA | Iwc Insurance | 4812 S Jackson Rd., Edinburg, TX, 78539 |
| Allstate | Galvan Insurance | 1101 E BUSINESS 83, DONNA, TX, 78537 |
| Farmers | Jose Balleza | 10213 N 10th St Ste B, Mcallen, TX, 78504 |
| Farmers | Rafael "Rafa" Lloren | 2103 N 10th St, Men, TX, 78501 |
| Allstate | Roy Tijerina | 1310 W University Dr, Edinburg, TX, 78539 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Cameron Park CDP, Texas | $149 | $198 | $297 |
| Olmito CDP, Texas | $148 | $197 | $296 |
| San Pedro CDP, Texas | $149 | $199 | $299 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Brownsville, TX | 7.8% | 23.6% |
| Cameron Park | 10.98% | 27.83% |
| Olmito | 10.28% | 31.51% |
| San Pedro | 18.97% | 16.35% |
| Brownsville Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 938 | 5.0% | $359 |
| $200 to $299 | 1,428 | 7.0% | $809 |
| $300 to $499 | 4,268 | 22.0% | $1259 |
| $500 to $749 | 6,954 | 37.0% | $1934 |
| $750 to $999 | 3,127 | 16.0% | $2684 |
| $1,000 to $1,499 | 1,595 | 8.0% | $3809 |
| $1,500 or more | 368 | 1.0% | $5459 |
| Streets in Brownsville Area | Homeowners Insurance Cost |
|---|---|
| Island Estates St, Danubio Ct, Kiwi Ln, Sierra Grande Dr, Grey Fox Cir, Santos Gomez Dr, San Pedro Ln, Colibri Cir, Morton St, Patricia Sofia Ln | $1,001 |
| Ave B, Grove Park Rd, Fish Hatchery Rd, Green Ct, Wilson St, Kansas Cir, Cascabel Ct, Ave Isabella, el Arbol Dr, Tanglewood Dr | $997 |
| E Ruben M Torres Sr Blvd, Nottingham Dr, 10th St, Martinal Rd, Fir St, Cove Cir, Gregory Ave, Co Rd 125, Cll Jacaranda, Russell Ave | $1,022 |
| Sonny Dr, Sugar Grove Ln, Ray Ave, E Broadway, Acapulco Ave, Sequoia Dr, Caramia Ln, W Adams St, Belvedere Dr, Clarissa Dr | $1,018 |
| Western Blvd, Sunrise Ln, Calles Ave, Guaymas St, Cottage Dr, S Minnesota Ave, Bates St, Granada Dr, Azteca Dr, Lovers Ln | $996 |
| Rosemond Ct, Parral Ave, Lawndale Ln, Los Ebanos Blvd, Sybil Dr, Cam Nikel, Olivia Ln, Oasis Dr, Elyt Dr, Fjrm Ave | $999 |
| Cavazos-Oldmito Rd, Ramireno Ln, Cypress St, Palm Village, Torreon Dr, Lazy St, Towerwood Dr, Goodwin St, Cifuentes St, Hermosa Ave | $1,039 |
| Simcoe Ct, Rosewood Cir, Marine Dr, E Taylor St, Zaragoza St, Alton Gloor Blvd, Zinnia St, Professional Dr, Cll Retama, Dockberry Cir | $1,024 |
| Lois Ln, Bordeaux Dr, Media Luna Rd, Marfil Dr, Woodway Dr, Ave Katarina, Rey Jaime St, Hortencia Blvd, Cedar Elm, S Bernal Dr | $1,020 |
| Yellow Pine, Dunlap Ave, Cll Rancho Grande W, Kansas River Dr, 370th Tc St, Pedernales Cir, Saint James Dr, W Park Dr, Alicia Cir, Plantation St | $1,025 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Brownsville | $151 to $153 |
| Cameron Park | $148 |
| San Pedro | $149 |
| Rancho Viejo | $160 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,800 | $4,800 |
| Yearly Brownsville Homeowner Insurance Premium Example | $1,600 | $1,000 |
| Out of Pocket Expense During Claim | $1,800 | $4,800 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $14,600 | $12,800 |
| Net Savings to Brownsville Home Owner from High Deductible Plan | $1,800 | |
| Scenario | Brownsville, TX Home Replacement Value MORE than Home Value | Brownsville, TX Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $96,500 | $68,000 |
| Insurance Premium based on Replacement Value | $1,025 | $725 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $16,000 | Risk Exposure from Under Insuring Coverage is $12,500 |
| Premium Impact | Insurance cheaper by $125/year | Insurance costlier by $175/year |
| Insurance Company | Chubb Group of Insurance | State Farm | Liberty Mutual |
| Monthly Premium | 57 | 56 | 85 |
| Year Built | 2012 | 1993 | 2009 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 3 Baths | 5 Beds, 4 Baths |
| Coverage Amount | $75000-$100000 | $75000-$100000 | $175000-$200000 |
| Deductible | $500 Deductible | $1000-$2500 Deductible | $5000 to $10,000 Deductible |