Galveston Insurance Rates:

Galveston, TX homeowners insurance is nearly $883 to $1,198, about $73-$99/month. Our all inclusive guide indicates shoppers can save upto $416 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Geico
I also do not like that my home insurance company does not have an office close to me. they are located on the other side of town and that makes it difficult to go into the office if i need to speak to an agent in person.
Progressive
I like the ability to create an account online and pay my insurance bill conveniently. it is easy for me to pay with automatic payments as well.
American National Insurance
I am very pleased with my insurance company. i have misplaced my proof of insurance cards multiple times and they have been very responsive and emailed them to me immediately.
Amica Mutual Insurance
They are very friendly and thorough. The only thing I don't like is that they are not open 24/7/365 and there is no good online communication option for off-peak hours.
Farmer's Insurance
I think that they actually care about their clients. So far they have been good to me so I will be loyal to them.
All State
I don't use the mobile app. I try as hard as I can to not use the company website as well. Both are poorly designed and full of flaws. Both are designed to sell unwanted products.
State Farm
The ability to print documents as needed. I can also see what I can save by changing deductibles and coverage.

Galveston, TX Homeowners Insurance By Home Value

Galveston, TX Home Value Total Homes % of Total Average Galveston, TX Homeowners Insurance
Less than $50,000 807 8.0% $187
$50,000 to $59,999 307 3.0% $395
$60,000 to $69,999 453 4.0% $489
$70,000 to $79,999 629 6.0% $562
$80,000 to $89,999 729 7.0% $635
$90,000 to $99,999 478 5.0% $718
$100,000 to $124,999 1,144 12.0% $832
$125,000 to $149,999 1,131 12.0% $1041
$150,000 to $174,999 1,049 11.0% $1228
$175,000 to $199,999 437 4.0% $1415
$200,000 to $249,999 914 9.0% $1707
$250,000 to $299,999 783 8.0% $2082
$300,000 to $399,999 509 5.0% $2644

Top Home Insurance Agents Near Galveston, TX

Home Insurance Company Near Galveston, TX Homeowners Insurance Agency Near Galveston, TX Address
State Farm Jeremy Hooter 8809 Broadway St Ste C, Pearland, TX, 77584-8499
State Farm Linda Tuck 2402 Bay Area Blvd Ste G, Houston, TX, 77058-1500
Farmers Lois Spicer 4189 BELLAIRE BLVD STE 252, Houston, TX, 77025
State Farm Randy Casey 4808 East Fwy, Baytown, TX, 77521-8370
Farmers Suresh Chainani 6001 Savoy Dr Ste 507, Houston, TX, 77036

Cost Of Homeowners Insurance By Street Near Galveston, TX

Streets in Galveston Area Homeowners Insurance Cost
Leeward Dr, Treasure Ct, Darcy St, King Rail Dr, Heards Ln, Pabst Rd, Ave R Rear 1/2, University Rear Blvd, 21st Street Rear, N Live Oaks Cir$1,100
Colony Park Cir, Pirates Cir, Uno Dr, Duncan Way, Navarro Dr, Hollywood Ave, Woodrow Rear Ave, Golf Crest Dr, Albacore Dr, Beard Dr$1,105
Post Office Rear St, Beachcomber Dr, Sealy Ave, S Park, Pointe West Dr, Elm Ln, 30th Rear St, Ave V 1/2, Ursuline St, 71st St$1,056
7th Street Rear, Trout Ave, 75th St, Oleander Ave, Binnacle Way, Cove View Cir, Pirates Beach, Mitote, Wern Rd, Poplar Dr$1,100
Warrior Rd, Swashbuckle, Spanish Wlls Dr, Bayou Homes Rear Dr, Azalea Ct, Marine Dr, Bay Medows, Latitude Ln, Fairway Dr, 7 Mile Rd$1,087

Galveston, TX Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Galveston$155 to $158
Galveston County$156
Tiki Island$175
Jamaica Beach$161

Galveston, 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
Galveston County, Texas $131 $174 $261
Tiki Island village, Texas $146 $195 $292
Jamaica Beach city, Texas $135 $179 $269

Galveston, 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
Galveston, TX6.0%17.0%
Galveston5.98%17.04%
Tiki Island3.42%9.74%
Jamaica Beach5.04%14.08%

Galveston Renters Insurance as a Percentage of Rent

Galveston Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 148 1.0% $347
$200 to $299 309 2.0% $797
$300 to $499 711 6.0% $1247
$500 to $749 2,890 28.0% $1922
$750 to $999 3,335 32.0% $2672
$1,000 to $1,499 2,370 22.0% $3797
$1,500 or more 548 5.0% $5447

Galveston, TX Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$800$2,800
Yearly Galveston Homeowner Insurance Premium Example $1,300$900
Out of Pocket Expense During Claim$800$2,800
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $9,900$9,100
Net Savings to Galveston Home Owner from High Deductible Plan $800

Galveston, TX Home Insurance Costs With Home Replacement Value Scenarios

Scenario Galveston, TX Home Replacement Value MORE than Home Value Galveston, TX Home Replacement Value LESS than Home Value
Replacement Value $233,500 $156,000
Insurance Premium based on Replacement Value $2,400 $1,600
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $49,000 Risk Exposure from Under Insuring Coverage is $28,500
Premium Impact Insurance cheaper by $300/year Insurance costlier by $500/year

Example Galveston Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceNationwide InsuranceFarmers Insurance
Monthly Premium 10158160
Year Built 197519941949
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths4 Beds, 1 Baths
Coverage Amount $125000-$150000$125000-$150000$350000-$400000
Deductible $1000-$2500 Deductible$5000 to $10,000 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1993 145,000 Tile Roof 1,410 2 $500 Deductible 510 5 Fiber-Cement Siding No
1975 85,000 Metal Roof 1,160 2 $500 Deductible 220 3 Wood siding No
1997 225,000 Asphalt Shingles Roof 3,140 4 $5000 to $10,000 Deductible 940 8 Stone Siding No
1982 295,000 Wood Shake Roof 3,220 4 $500- $1000 Deductible 1870 10 Stone Siding No
1992 150,000 Wood Shake Roof 1,610 2 $1000-$2500 Deductible 310 3 Vinyl siding No
1943 235,000 Composition Roof 2,260 3 $500 Deductible 680 4 Brick siding yes
1981 85,000 Tile Roof 940 2 $1000-$2500 Deductible 180 4 Vinyl siding yes
1995 140,000 Asphalt Shingles Roof 1,830 3 $500- $1000 Deductible 890 10 Brick siding yes
1974 150,000 Wood Shake Roof 1,710 2 $5000 to $10,000 Deductible 810 10 Vinyl siding No
1999 225,000 Tile Roof 2,910 4 $1000-$2500 Deductible 740 6 Brick siding No
1994 240,000 Slate Shingles Roof 2,550 4 $500- $1000 Deductible 1720 9 Wood siding No
1989 75,000 Metal Roof 1,010 2 $500 Deductible 310 8 Vinyl siding No
1998 150,000 Asphalt Shingles Roof 1,560 2 $1000-$2500 Deductible 910 8 Stucco siding No
1996 165,000 Shingles Roof 1,610 2 $1000-$2500 Deductible 1100 12 Fiber-Cement Siding No
1945 110,000 Composition Roof 1,370 2 $2500-$5000 Deductible 560 10 Wood siding No
1981 155,000 Slate Shingles Roof 1,850 3 $5000 to $10,000 Deductible 550 10 Vinyl siding No
1941 80,000 Composition Roof 1,070 2 $500- $1000 Deductible 600 12 Fiber-Cement Siding yes
1994 85,000 Composition Roof 900 2 $500- $1000 Deductible 330 6 Stone Siding yes
1973 95,000 Membrane Roof 1,380 2 $500 Deductible 220 3 Wood siding yes