Edinburg ,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 Edinburg, 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 Edinburg, TX is $1983. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Edinburg, TX. VHome Insurance will help you navigate the world of homeowners insurance coverages in Edinburg, TX.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $793 |
| $200,000 | $1,348 |
| $300,000 | $1,666 |
| $400,000 | $2,538 |
| $500,000 | $3,193 |
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 Edinburg, TX, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $2,033 |
| $1000 Deductible | $1,818 |
| $1500 Deductible | $1,715 |
| $2500 Deductible | $1,547 |
| $5000 Deductible | $1,309 |
| Home Insurance Company Near Edinburg, TX | Homeowners Insurance Agency Near Edinburg, TX | Address |
|---|---|---|
| NA | Rj Garza & Co. | 3501 Moreland Dr, Weslaco, TX, 78596 |
| Farmers | Edwardo Briones | 1046 N 77 Sunshinestrip Ste 6, Harlingen, TX, 78550 |
| Allstate | R. B. Carter Agency | 213 N Broadway, Elsa, TX, 78543 |
| Allstate | R. B. Carter Agency | 213 N Broadway, Elsa, TX, 78543 |
| Farmers | Robert Garza | 1109 W Nolana Ave Ste 101, Mcallen, TX, 78504 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Doolittle CDP, Texas | $149 | $198 | $297 |
| Faysville CDP, Texas | $153 | $204 | $306 |
| Hidalgo County, Texas | $151 | $201 | $302 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Edinburg, TX | 6.9% | 23.2% |
| Doolittle | 10.97% | 23.87% |
| Hidalgo County | 7.78% | 24.18% |
| Murillo | 7.12% | 25.53% |
| Edinburg Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 189 | 1.0% | $356 |
| $200 to $299 | 878 | 6.0% | $806 |
| $300 to $499 | 1,852 | 14.0% | $1256 |
| $500 to $749 | 6,455 | 49.0% | $1931 |
| $750 to $999 | 2,838 | 21.0% | $2681 |
| $1,000 to $1,499 | 701 | 5.0% | $3806 |
| $1,500 or more | 155 | 1.0% | $5456 |
| Streets in Edinburg Area | Homeowners Insurance Cost |
|---|---|
| Los Aguacates St, Monte Christo St, Popotillo, Baccarette St, Illusivo Ave, Mesa Dr, Bar Mar Ln, Grayson Ave, Easy St, N Sylvia Dr | $1,025 |
| E Cano St, Limeade Ave, E Schunior, W Nightingale Ave, Cibolo Dr, Luz Escobado, Chelsea Ln, E Jay Ave, S 6th Ave, Northern Lights Ave | $1,056 |
| E Mendoza St, Mina de Oro, San Felipe St, V-W Ct, Ansley Dr, View Point Dr, Lomita St, Seattle Slew, E Duke Ave, English Ave | $1,030 |
| Chance Ln, E Xenops Ave, Andrea St, Lake Shore Dr, Joan Dr, Summit Ct, Verbena St, N 33rd Ln, Park Place Dr, S 5th Ave | $993 |
| W Fay St, Pelican Rd, Barb Mar Ln, Okeechobee, Duke Ave, Terry Rd, E de la Rosa St, W University Dr, Nava Rd, Gala Ave | $999 |
| Corina Dr, Gwin Rd, Opal, Canton Rd, Cll Paris, Stonehill, Cornell Ave, Cambride Ln, N Flipper Dr, Trout Ct | $1,006 |
| S Monmack Rd, Diana Dr, N 12th Ave, Cll Divina, Providence Dr, N Big 5 Rd, Valero Ln, Nightingale Ave, San Jacinto Ave, N 1st Lane Ct | $1,013 |
| Monte Christo St, S 23rd Ave, Owen Dr, Horizon Trl, S Persimmon Ave, Warbler Ave, Imperial Ln, Val Verde Vista St, W Cano St, Sevilla Dr | $1,001 |
| Magnolia Cir, Denton Creek Ave, Mynah, W Jefferson Ave, W Efrain St, Tagle St, W Gyr St, N Benji Cir, Nora Dr, Valencia | $1,037 |
| Loyola Ave, Kilgore Ave, Northgate Ln, N 21st Ave, Crystal Falls Ave, N 14th Ave, N Turquoise, E Sevilla Blvd, N Granrey Dr, S Zepher Ave | $1,041 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Edinburg | $152 to $154 |
| Doolittle | $149 |
| Faysville | $153 |
| Hidalgo County | $151 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,900 | $2,900 |
| Yearly Edinburg Homeowner Insurance Premium Example | $900 | $700 |
| Out of Pocket Expense During Claim | $1,900 | $2,900 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $9,100 | $8,500 |
| Net Savings to Edinburg Home Owner from High Deductible Plan | $600 | |
| Scenario | Edinburg, TX Home Replacement Value MORE than Home Value | Edinburg, TX Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $85,500 | $66,500 |
| Insurance Premium based on Replacement Value | $675 | $525 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $9,000 | Risk Exposure from Under Insuring Coverage is $10,000 |
| Premium Impact | Insurance cheaper by $75/year | Insurance costlier by $75/year |
| Insurance Company | State Farm | Travelers | Amica Mutual Insurance Company |
| Monthly Premium | 79 | 91 | 151 |
| Year Built | 2012 | 1983 | 1991 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 1 Baths | 5 Beds, 3 Baths |
| Coverage Amount | $125000-$150000 | $150000-$175000 | $250000-$300000 |
| Deductible | $500- $1000 Deductible | $2500-$5000 Deductible | $500- $1000 Deductible |