El Paso Insurance Rates:

El Paso ,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 El Paso, 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 El Paso, TX is $2002. Enter your zipcode below and click “GO” to get multiple free quotes.

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Home Insurance Companies in El Paso, TX: Customer-Reviewed Options


El Paso, TX Homeowners Insurance Rates by Coverage Level

It is important to understand the different coverage options available in El Paso, TX. VHome Insurance will help you navigate the world of homeowners insurance coverages in El Paso, TX.

Coverage Level Average Annual Premium
$100,000 $801
$200,000 $1,361
$300,000 $1,682
$400,000 $2,563
$500,000 $3,223


El Paso, TX Homeowners Insurance Rates by ZIP Code

Home insurance costs in El Paso 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
079924 $2,641
79904 $2,631
79930 $2,635
79903 $2,635
79907 $2,621
79915 $2,625
79905 $2,614
79901 $2,596
79912 $2,769
79932 $2,763
79902 $2,757
79934 $2,710
79935 $2,723
79925 $2,693
79938 $2,713
79936 $2,682


El Paso, TX Homeowners Insurance Deductibles

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 El Paso, TX, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $2,053
$1000 Deductible $1,836
$1500 Deductible $1,732
$2500 Deductible $1,562
$5000 Deductible $1,321



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


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

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 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