El Paso Insurance Rates:

El Paso, TX homeowners insurance is nearly $874 to $1,183, about $72-$98/month. Our in depth research shows customers can save as much as $411 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Geico's insurance policy offerings are slightly more competitive compared to the other insurance companies, but you still have to read the fine print carefully before you go with them.
State Farm
I would recommend, because sign up was super simple, the coverage options are modern, the premium was significantly more attractive than what I had previously.
The Hartford
I am satisfied with what they offer. Specifically when I switched insurance companies I got more extensive coverage for less money. There is nothing that I can think of that needs to be covered that isn't already covered.
Blue Cross Blue Shield
I like we have a lot of doctors offices that accept it near us. for our usual visits, we can stay close to home.
Compared to other insurances Allstate is super affordable and gives you exactly what you need for an insurance. They can add or take away things that people don't even need.
Liberty Mutual
they have a very good customer service. you can always talk to someone about your concerns, and they will help you figure out the best way to deal with any issues that might arise.
we have not had to use our homeowners insurance. We have only had i for a little less than a year. The setup however was really easy and we have not had any issues with them for other matters.
Alfa Insurance
I like how my agent is very personal with my family, she is very friendly and treats my family like her own.
I think it is comparable with other plans as far as deductible. Premiums are almost always cheaper with this company, which is why we use them.
I think the policies are fair pay around 100 for the renters insurance but I have noticed more local insurance companies have cheaper rates so rate it at 3-2.
State Farm
My premium and deductible is also comparable to other insurance companies' rates, as I have compared across different companies and even talked to friends and family to see if they are comparable.
The Hartford
I am very trust this policy of home insurance. I had more from this policy So I recommend to others to take the policy.
State Farm
State farm doesn't provide many benefits for being a long-term customer with them, so you don't get anything extra.
I love my home insurance company due to the outstanding service i receive from my agent stan allen. i have had insurance through stan allen for over 20 years. they always make sure nationwide takes care of any claims or questions i have.
I love that my insurance has competitive pricing. I had previously been with a different company for over 5 years. Even with multiple discounts Allstate still beat them!
My premium seems to be competitive based on shopping I did at the time, although I haven't checked rates recently, so it may actually be too high.
Geico's premium is one of the lowest out there, The coverage is better than most, I get more bang for my buck with them
Farmer's Insurance
We are very satisfied with every aspect of our insurance company. We have great coverage, a low premium, a wonderful agent, and it is a local company. I have recommended this company too many friends.
The customer service has always been helpful. They have always been polite and efficient and answered all my questions without any complaints about it. Also, if the representative didn't know the answer they found out the information for me.
State Farm
Their customer service is fabulous. You can call the local office and get your problem solved quickly. They even write you a check on the spot if you have a claim.
I have compared the premiums of other insurance companies to State Farm. I have found lower quotes, but not low enough to make me switch.
We have had the same insurance for over 25 years. The company has always been helpful, assisted during moves and staff has always been available when needed.
State Farm
I don't really have any dislikes about the company, other than what I mentioned above about their upselling efforts. They have always been professional and polite by phone and email when I've needed to speak with them. I just wish they would call less often.
State Farm
My complaints would be the lack of available discounts or other ways to save on overall insurance costs and the usability of the website. If each of the components could be improved upon I would rate the company as superior for customer service and product innovation.
Rvos Insurance
I dislike that the individuals who work there are unprofessional, they do not provide requested information and they are not timely with their ability to communicate with their customers.
This company is helpful, affordable, and has great customer service. I would recommend to a person getting their first home insurance company.
My home owner's insurance is very cheap compared to other insurers, and I receive a discount because I have an auto policy with them. The deductible is the same as other companies.
Rvos Insurance
I'm not happy with my insurance company at all. They are a necessary evil in my life at the moment.
Farmer's Insurance
I have no specific complaints to make. I suppose they could offer a cheaper product or offer some sort of loyalty discount, but I would not necessarily expect that of them and that would be true of any company.

El Paso, TX Homeowners Insurance By Home Value

El Paso, TX Home Value Total Homes % of Total Average El Paso, TX Homeowners Insurance
Less than $50,000 7,384 5.0% $216
$50,000 to $59,999 3,180 2.0% $463
$60,000 to $69,999 5,712 4.0% $565
$70,000 to $79,999 8,499 6.0% $658
$80,000 to $89,999 11,266 8.0% $740
$90,000 to $99,999 12,046 9.0% $833
$100,000 to $124,999 24,318 19.0% $967
$125,000 to $149,999 15,912 12.0% $1203
$150,000 to $174,999 12,498 9.0% $1430
$175,000 to $199,999 7,118 5.0% $1646
$200,000 to $249,999 8,043 6.0% $1985
$250,000 to $299,999 5,245 4.0% $2428
$300,000 to $399,999 4,089 3.0% $3087

Top Home Insurance Agents Near El Paso, TX

Home Insurance Company Near El Paso, TX Homeowners Insurance Agency Near El Paso, TX Address
Farmers Bruce Buchman 1698 S Telshor Blvd Ste B, Las Cruces, NM, 88011
Allstate Nora Saenz 1485 George Dieter Dr Ste 104, El Paso, TX, 79936
Farmers Phil Karnes 344 S San Pedro St Ste B, Las Cruces, NM, 88001
Allstate Raul Mondragon Ii 10780 Pebble Hills Blvd Ste J, El Paso, TX, 79935
Travelers Tony Ramos Insurance Agency 7230 GATEWAY EAST STE H, EL PASO, TX, 79925

El Paso, TX Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near El Paso, TX

Streets in El Paso Area Homeowners Insurance Cost
Tuscany Ridge Dr, Antilles Pl, Tamburo Ct, Copper Cloud Cir, Canyon Ridge Way, Calle Lomas Dr, Waycross Ave, Lake Volta Pl, Lady Hawk Ct, Brownfield Dr$1,019
Drummer Boy Ct, Glengarry St, Altadena Pl, Dakota St, Park Dr, Knollwood, Tennis West Dr, Turk Ct, Plainview Dr, Kings Bridge Dr$1,080
Antero Pl, Octavia St, Fawn Passage Pl, Fernridge Ct, W University Ave, Geisler Ct, Avalon Dr, Cactus Spine Ln, Edge of Texas St, Smith Rd$1,007
Mohair Dr, Sea Horse Dr, Tierra Dura Dr, Canyon Run Dr, S Virginia St, Riverside Rd, Robin Hood Dr, Geronimo Dr, Rackocy Ct, Knights Dr$1,009
O'Donnell St, Thunder Crest Ln, Dempsey Ave, la Mesa St, Tierra Fertil Dr, Manuel Acosta Dr, Lettie Ct, Raleigh Dr, Desert Canyon Dr, Travis St$1,059
Autumn Willow Way, Phoenix Dr, Pueblo St, Pointe Ln E, Roanoke Dr, Pan American Dr, Camelot Dr, Pamela Anne Ln, Mercedes St, Ol Guin Ct$1,008
Duskin Dr, Moore Rd, Cerro Negro Dr, Quitman Ave, Mount Shasta Dr, Plaza del Sur Ct, Domingo St, Paseo Randy Ln, Larry Wadkins Dr, Kellogg St$1,046
Abilene Ave, Gurss Pl, Loma del Rey Cir, Kentucky St, Lonesome Dove Cir, Chaffee Rd, Latuna Ave, Sandy Koufax Dr, Tierra Lucia Ct, la Cabana Pl$1,074
Bellwether Dr, Songland Ave, Wren Ave, Damasco Dr, Welch Ave, Niagara Falls, Joyce Cir, Laurel Clark Ln, Lazaro Pl, Ivey Dr$1,026
Vista Rio Cir, McArthur Dr, Capitan Ridge Dr, Passmore Rd, Morenci Rd, Aparicio Dr, Olivas V Aoy Ave, Stonehaven Dr, Shiner Ave, Loma Serena Pl$1,118

El Paso, TX Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
El Paso$154 to $156
Fort Bliss$157
Sunland Park$99

El Paso, 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
Fort Bliss CDP, Texas $158 $210 $315
El Paso Northwest CCD, El Paso County, Texas $158 $210 $315
Sunland Park city, New Mexico $99 $132 $198

El Paso, 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
El Paso, TX7.5%24.2%
El Paso Northwest5.85%23.85%
Sunland Park5.95%21.22%

El Paso Renters Insurance as a Percentage of Rent

El Paso Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 3,622 4.0% $351
$200 to $299 3,991 4.0% $801
$300 to $499 12,546 15.0% $1251
$500 to $749 26,317 32.0% $1926
$750 to $999 18,603 22.0% $2676
$1,000 to $1,499 13,441 16.0% $3801
$1,500 or more 2,632 3.0% $5451

El Paso, TX Homeowners Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
79924 $96,600 $1,030
79904 $93,600 $1,020
79930 $87,700 $1,010
79903 $87,100 $1,010
79907 $84,100 $1,020
79915 $83,900 $1,020
79905 $76,900 $1,010
79901 $59,000 $1,000
79912 $172,600 $1,080
79932 $157,300 $1,060
79902 $155,800 $1,060
79934 $137,800 $1,050
79935 $130,200 $1,040
79925 $129,200 $1,040
79938 $127,900 $1,040
79936 $122,700 $1,040

El Paso, TX Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly El Paso Homeowner Insurance Premium Example $1,200$800
Out of Pocket Expense During Claim$1,700$3,700
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $10,100$9,300
Net Savings to El Paso Home Owner from High Deductible Plan $800

El Paso, TX Home Insurance Costs With Home Replacement Value Scenarios

Scenario El Paso, TX Home Replacement Value MORE than Home Value El Paso, TX Home Replacement Value LESS than Home Value
Replacement Value $145,500 $81,500
Insurance Premium based on Replacement Value $1,300 $725
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $35,000 Risk Exposure from Under Insuring Coverage is $29,000
Premium Impact Insurance cheaper by $275/year Insurance costlier by $300/year

Example El Paso Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateLiberty MutualTravelers
Monthly Premium 32510989
Year Built 200519711999
Home Details 5 Beds, 2 Baths4 Beds, 3 Baths2 Beds, 1 Baths
Coverage Amount $350000-$400000$250000-$300000$100000-$125000
Deductible $500 Deductible> $10,000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2011 235,000 Wood Shake Roof 3,580 5 $500 Deductible 740 4 Vinyl siding No
1990 370,000 Composition Roof 4,710 5 $2500-$5000 Deductible 720 4 Stucco siding No
1978 260,000 Slate Shingles Roof 2,780 4 $500 Deductible 220 1 Stucco siding yes
1976 165,000 Slate Shingles Roof 2,160 4 $500 Deductible 410 3 Wood siding No
1963 90,000 Tile Roof 1,130 2 $500 Deductible 290 3 Wood siding yes
1981 75,000 Slate Shingles Roof 1,060 2 $500- $1000 Deductible 590 10 Fiber-Cement Siding yes
1981 110,000 Composition Roof 1,290 2 $1000-$2500 Deductible 130 2 Stone Siding No
1985 270,000 Composition Roof 3,780 5 $500- $1000 Deductible 1000 5 Stucco siding yes
1991 100,000 Membrane Roof 1,300 2 $500- $1000 Deductible 640 9 Vinyl siding yes
1995 105,000 Tile Roof 1,440 3 $1000-$2500 Deductible 270 4 Stone Siding No
2011 220,000 Composition Roof 3,250 4 $500- $1000 Deductible 1100 7 Wood siding No
2010 95,000 Composition Roof 1,080 2 $1000-$2500 Deductible 320 5 Wood siding yes
1994 100,000 Composition Roof 1,130 2 $1000-$2500 Deductible 610 10 Stone Siding yes
1981 70,000 Composition Roof 930 2 $500 Deductible 150 3 Brick siding No
2008 200,000 Membrane Roof 2,970 4 $500 Deductible 730 7 Stucco siding No
1993 110,000 Metal Roof 1,580 3 $1000-$2500 Deductible 500 10 Vinyl siding No
2005 100,000 Slate Shingles Roof 1,600 4 $2500-$5000 Deductible 140 2 Fiber-Cement Siding No
1965 145,000 Shingles Roof 1,900 3 $1000-$2500 Deductible 260 3 Brick siding yes
1976 105,000 Tile Roof 1,230 2 $500- $1000 Deductible 650 10 Stucco siding yes
1994 95,000 Wood Shake Roof 1,360 2 $500 Deductible 630 9 Brick siding yes
1985 105,000 Shingles Roof 1,590 2 $2500-$5000 Deductible 160 3 Brick siding yes
2000 65,000 Shingles Roof 1,020 2 $500 Deductible 340 7 Wood siding No
2010 115,000 Membrane Roof 1,850 5 $1000-$2500 Deductible 580 8 Stone Siding No
2004 125,000 Metal Roof 1,510 2 $500- $1000 Deductible 260 3 Fiber-Cement Siding yes
1975 200,000 Composition Roof 2,390 5 $500- $1000 Deductible 720 6 Vinyl siding No
2008 170,000 Asphalt Shingles Roof 2,220 4 $500- $1000 Deductible 300 2 Brick siding yes
1980 225,000 Asphalt Shingles Roof 3,380 4 $1000-$2500 Deductible 750 5 Brick siding yes
2002 200,000 Wood Shake Roof 2,940 5 $500 Deductible 340 3 Vinyl siding No
1995 230,000 Asphalt Shingles Roof 3,010 5 $2500-$5000 Deductible 650 7 Wood siding No

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