Conroe, TX Home Insurance - Analysis On Quotes, Rates & Agents
Conroe Insurance Rates:
Conroe, TX homeowners insurance is approximately $879 to $1,195, about $73-$99/month. Our detailed guide reveals consumers can save as much as $414 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Latest Home Insurance Reviews
State FarmThe premium and deductible are about the same as other companies. Fortunately, we haven't had to make a claim yet.
State Farmwith them for 30 years. had water damage 10 years ago and the customer rep was great took care of the problem in a short time and my rate did not go up
Liberty MutualI would definitely recommend my home insurance policy to all the people because of it's low premium value and lot of deductions it will provide.
ProgressiveThe convenience of having my home and auto in one place is a benefit. My coverage may not be as comprehensive as other companies for the same price, but I do get a multi-line discount.
ProgressiveI would definitely recommend Progressive because the company appears to be all about the customers and ensuring they have the proper coverage
AllstateI would recommend this company because I purchased the plan through a broker. She has been very good in giving me information and communicating with me. I feel like she did her homework
ProgressiveThe customer service has been great so far. They're easy to get in touch with since they're not a typical 8-5 business.
GeicoMy premium and deductible for my policy is about average. I had issues in the pass which later got resolved.
Allstatethere has to be lot of things to be learn from Allstate
EsuranceCompared with other carriers I have used in the past, Esurance has been my preference. Convenience, ease of use, and never having to deal with a high pressure 'in your face' salesperson has impressed me.
Farmer's InsuranceFarmers policy offered everything i need to feel assured. All of the products i choose for my coverage are priced well.
Liberty MutualI would have to say the equipment breakdown is awesome! I have had other home insurance but do not remember ever having been offer the equipment breakdown. Actually, l didn't even know it was a thing.
Alfa InsuranceI can not comment on other home insurance policies. We have only every had the one policy. We are satisfied with it.
State FarmI rate my home insurance customer service a '4'. The representative was efficient and offered all the possible discounts available for a bundle.
Farmer's InsuranceFarmer's Insurance reverses the traditional insurance model. We treat the premiums you pay as if it's your money, not ours. With Lemonade, everything becomes simple and transparent. We take a flat fee, pay claims super fast.
State FarmI like the policy as well as the leniency on my bill and how much they will work with you if you are late on payments.
State FarmOne thing about state farm i do not like is their cost. it seems state farm is at least 20% higher than anyone else offering coverage in my area.
AllstateI like my agent most of all, he's prompty and courteous. i like that all my policies are in one place and i don't have to deal with multiple agents
State FarmThe customer service with my local agent is probably the main reason that I stay with state farm instead of seriously shopping for a new rate. They are friendly and go out of their way to provide excellent customer service.
Horace Mann Educators CorporationI do not like the customer service. I have not heard from my company since I created my bundle package. They have not checked back in with me.
State FarmI like it because it is very fast and simple. It's not too dull. It’s very colorful.
State FarmState Farm helped my husband and I when we had a house fire. They were very responsive and took care of everything for us in our time of need.
AllstateAgents are unresponsive and lackadaisical. Have not yet experienced the claims process but am not optimistic.
AllstateI would recommend them because their customer service is better than others I have had past experience with. They seem to go out of their way to please
ProgressiveMY PREMIUMS ARE NOT TOO HIGH, BUT NOT AS LOW AS I'D LIKE. PART OF THAT MAY BE MY AGE. I REMEMBER WHEN EVERYTHING WAS CHEAPER.
GeicoI'd definitely recommend them, based on customer service, coverage and price. that said, I've never had to file a claim with them, and if I did that might change my response.
Conroe, TX Homeowners Insurance By Home Value
| Conroe, TX Home Value | Total Homes | % of Total | Average Conroe, TX Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 1,268 | 13.0% | $197 |
| $50,000 to $59,999 | 316 | 3.0% | $414 |
| $60,000 to $69,999 | 131 | 1.0% | $518 |
| $70,000 to $79,999 | 312 | 3.0% | $591 |
| $80,000 to $89,999 | 746 | 8.0% | $674 |
| $90,000 to $99,999 | 599 | 6.0% | $757 |
| $100,000 to $124,999 | 1,339 | 14.0% | $871 |
| $125,000 to $149,999 | 1,131 | 12.0% | $1099 |
| $150,000 to $174,999 | 866 | 9.0% | $1296 |
| $175,000 to $199,999 | 536 | 5.0% | $1493 |
| $200,000 to $249,999 | 786 | 8.0% | $1794 |
| $250,000 to $299,999 | 590 | 6.0% | $2198 |
| $300,000 to $399,999 | 697 | 7.0% | $2799 |
Top Home Insurance Agents Near Conroe, TX
| Home Insurance Company Near Conroe, TX | Homeowners Insurance Agency Near Conroe, TX | Address |
|---|---|---|
| State Farm | Erwin Mcgowan | 1315 Lockwood Dr, Houston, TX, 77020-6616 |
| State Farm | Felicia Boudreaux | 14901 State Hwy 249 Ste 105, Houston, TX, 77086-1630 |
| State Farm | Mack Barnhill | 3706 W Davis, Conroe, TX, 77304-1836 |
| Nationwide | Martha Sue Harris | 6768 Spencer Hwy Ste A-1, Pasadena, TX, 77505-1759 |
| Allstate | Sean Mertz | 5311 FM 1960 Rd E Ste F, Humble, TX, 77346 |
Conroe, TX Home Insurance Agents for Top Companies
Cost Of Homeowners Insurance By Street Near Conroe, TX
| Streets in Conroe Area | Homeowners Insurance Cost |
|---|---|
| Memory Ln, Jadewing Ct, Lake View Dr, Courtland Green, Topaz Ct, Piper Ln, Mesquite Dr, Lulach Cir, Crownridge Dr, S Loop 336 E | $1,066 |
| Palestine St, Lakewood, Surrey Run Pl, Oak St, N Haversham Ct, Teaswood Dr, Rose Royal Dr, Hillwood Ln, Quiet Water Way, Greenridge Rd | $1,126 |
| Woodwind Dr, Willis County Line Rd, Kentucky Oaks Dr, Acreman Rd, Hunter St, Old Conroe Rd, Royal Terrell Dr, FM 2978 Rd, Village Hill Ln, Florian Ct | $1,008 |
| Brandi Ln, Crystal River, S Lake Shore Dr, Wilson Rd, Nugent St, E Stockbridge Landing Cir, Queens Ct, Merrimac Park, Verdant Valley Pl, Mohawk Bend | $1,014 |
| Stonefield St, Hurley Ln, League Line Rd, Osage Trl, Richardson Rd, Centaurus Ct, Sandra St, Box Elder Dr, Timberlane St, E Blue Lake Dr | $1,097 |
| Valley Mead Pl, Moss Bluff Ct, Songwood Trl, Teas Nursery Rd, Markham Grove Pl, Lake View Dr, Golden Oak, Waterview, Braxton Bragg Ln, Dawns Edge Dr | $1,069 |
| Carriage House Way, Vicksburg Ln, Glade Meadow Ln, Collier Rd, Evergreen Ln, Stone Creek Dr, Texas Star Ct, Underwood Pl, W Prairie Dawn Cir, Carriage Lamp Ln | $1,062 |
| Hansen Rd, Jackrabbit Ln, Downing Ct, Shadow Brook Dr, Forest Lake Ct, Longmire Rd, W Pines, Robindale Cir, Huckleberry Ln, Slick Rock Dr | $1,118 |
| Piney Shores Dr, Bloomsbury Ct, Farm-To-Market Road 105-2090 Cutoff, Breezy Pt, Twilight Pl, Bob White, Park Cir, Ramblewood Rd, Indian Wells Ln, Wick Willow Rd | $1,063 |
| Benjamin Dr, The Cliff, Wilkins Dr, S 2nd St, Weeping Willow Way, Nicholas Ct, Greenfield Dr, N Whistlers Bend Cir, Twin Oaks Dr, Russet Grove | $1,093 |
Conroe, TX Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Conroe | $155 to $158 |
| Montgomery County | $158 |
| Panorama Village | $156 |
| Cut and Shoot | $153 |
Conroe, 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 |
|---|---|---|---|
| Montgomery County, Texas | $158 | $211 | $317 |
| Panorama Village city, Texas | $157 | $209 | $314 |
| Cut and Shoot city, Texas | $153 | $204 | $306 |
Conroe, TX Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Conroe, TX | 6.2% | 19.6% |
| Montgomery County | 5.46% | 17.6% |
| Panorama Village | 6.28% | 15.85% |
| Cut and Shoot | 6.75% | 22.16% |
Conroe Renters Insurance as a Percentage of Rent
| Conroe Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 98 | 1.0% | $349 |
| $200 to $299 | 464 | 4.0% | $799 |
| $300 to $499 | 544 | 5.0% | $1249 |
| $500 to $749 | 2,642 | 27.0% | $1924 |
| $750 to $999 | 2,956 | 31.0% | $2674 |
| $1,000 to $1,499 | 2,283 | 24.0% | $3799 |
| $1,500 or more | 519 | 5.0% | $5449 |
Conroe, TX Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,900 | $3,900 |
| Yearly Conroe Homeowner Insurance Premium Example | $2,100 | $1,700 |
| Out of Pocket Expense During Claim | $1,900 | $3,900 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $18,700 | $17,500 |
| Net Savings to Conroe Home Owner from High Deductible Plan | $1,200 | |
Conroe, TX Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Conroe, TX Home Replacement Value MORE than Home Value | Conroe, TX Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $154,000 | $121,500 |
| Insurance Premium based on Replacement Value | $1,250 | $1,000 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $15,000 | Risk Exposure from Under Insuring Coverage is $17,500 |
| Premium Impact | Insurance cheaper by $125/year | Insurance costlier by $125/year |
Example Conroe Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | Travelers | Nationwide Insurance | USAA group |
| Monthly Premium | 230 | 91 | 84 |
| Year Built | 1981 | 1999 | 2013 |
| Home Details | 5 Beds, 3 Baths | 3 Beds, 2 Baths | 2 Beds, 1 Baths |
| Coverage Amount | $300000-$350000 | $175000-$200000 | $150000-$175000 |
| Deductible | $500 Deductible | $5000 to $10,000 Deductible | $2500-$5000 Deductible |
Sample Home Insurance Rates for Conroe, TX from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 1999 | 120,000 | Tile Roof | 1,650 | 5 | $500- $1000 Deductible | 650 | 8 | Stone Siding | yes |
| 1980 | 350,000 | Metal Roof | 4,380 | 5 | $500- $1000 Deductible | 790 | 3 | Fiber-Cement Siding | No |
| 1999 | 120,000 | Shingles Roof | 1,360 | 3 | $500 Deductible | 280 | 4 | Fiber-Cement Siding | No |
| 2002 | 140,000 | Composition Roof | 1,610 | 3 | $500 Deductible | 1000 | 9 | Fiber-Cement Siding | No |
| 1989 | 210,000 | Shingles Roof | 2,630 | 4 | $500- $1000 Deductible | 840 | 5 | Vinyl siding | No |
| 2005 | 115,000 | Tile Roof | 1,310 | 2 | $500- $1000 Deductible | 560 | 6 | Vinyl siding | yes |
| 2001 | 180,000 | Metal Roof | 2,320 | 3 | $5000 to $10,000 Deductible | 470 | 5 | Fiber-Cement Siding | No |
| 2004 | 105,000 | Slate Shingles Roof | 1,290 | 3 | $2500-$5000 Deductible | 550 | 9 | Stucco siding | yes |
| 1998 | 130,000 | Composition Roof | 1,810 | 4 | $2500-$5000 Deductible | 600 | 7 | Brick siding | No |
| 2012 | 185,000 | Wood Shake Roof | 2,430 | 4 | $500- $1000 Deductible | 90 | 1 | Wood siding | yes |
| 2011 | 225,000 | Metal Roof | 2,320 | 4 | > $10,000 Deductible | 700 | 9 | Wood siding | No |
| 1984 | 145,000 | Wood Shake Roof | 2,000 | 4 | $1000-$2500 Deductible | 340 | 3 | Fiber-Cement Siding | No |
| 1992 | 185,000 | Membrane Roof | 2,370 | 4 | $5000 to $10,000 Deductible | 960 | 12 | Stone Siding | No |
| 1996 | 175,000 | Wood Shake Roof | 1,840 | 3 | $1000-$2500 Deductible | 340 | 4 | Fiber-Cement Siding | No |
| 2002 | 170,000 | Membrane Roof | 1,870 | 3 | $500 Deductible | 1060 | 7 | Wood siding | yes |
| 1997 | 250,000 | Tile Roof | 2,870 | 5 | $500 Deductible | 1960 | 12 | Stucco siding | yes |
| 1980 | 305,000 | Asphalt Shingles Roof | 3,160 | 4 | $5000 to $10,000 Deductible | 220 | 2 | Vinyl siding | yes |
| 1999 | 205,000 | Metal Roof | 2,450 | 4 | $2500-$5000 Deductible | 1740 | 12 | Wood siding | yes |
| 1994 | 190,000 | Shingles Roof | 2,130 | 3 | $1000-$2500 Deductible | 240 | 2 | Stucco siding | yes |
| 1989 | 210,000 | Asphalt Shingles Roof | 3,080 | 4 | $500- $1000 Deductible | 750 | 5 | Wood siding | No |
| 1984 | 125,000 | Metal Roof | 1,370 | 2 | $500- $1000 Deductible | 370 | 5 | Fiber-Cement Siding | yes |
| 1997 | 205,000 | Membrane Roof | 2,720 | 4 | $5000 to $10,000 Deductible | 220 | 2 | Stone Siding | No |
| 1992 | 125,000 | Tile Roof | 1,790 | 2 | $500- $1000 Deductible | 290 | 3 | Fiber-Cement Siding | No |
| 1982 | 200,000 | Membrane Roof | 2,450 | 4 | $2500-$5000 Deductible | 1030 | 10 | Stone Siding | No |
| 1995 | 135,000 | Composition Roof | 1,500 | 3 | $500- $1000 Deductible | 940 | 9 | Fiber-Cement Siding | yes |
| 1986 | 105,000 | Asphalt Shingles Roof | 1,450 | 2 | $500- $1000 Deductible | 290 | 6 | Vinyl siding | yes |
| 1987 | 90,000 | Asphalt Shingles Roof | 910 | 2 | $500- $1000 Deductible | 920 | 12 | Fiber-Cement Siding | yes |
| 2014 | 65,000 | Asphalt Shingles Roof | 910 | 2 | $500 Deductible | 50 | 1 | Stucco siding | yes |
| 1989 | 295,000 | Tile Roof | 3,120 | 5 | $500- $1000 Deductible | 240 | 1 | Brick siding | No |
| 2008 | 135,000 | Metal Roof | 1,490 | 3 | $500- $1000 Deductible | 1280 | 12 | Brick siding | No |
| 1993 | 370,000 | Wood Shake Roof | 3,930 | 5 | $5000 to $10,000 Deductible | 2180 | 12 | Wood siding | yes |
| 2006 | 110,000 | Composition Roof | 1,510 | 2 | $1000-$2500 Deductible | 280 | 4 | Wood siding | yes |
| 1984 | 420,000 | Wood Shake Roof | 4,540 | 5 | $500 Deductible | 3850 | 12 | Stone Siding | yes |
| 1996 | 140,000 | Wood Shake Roof | 1,650 | 3 | $2500-$5000 Deductible | 300 | 4 | Fiber-Cement Siding | No |