Houston, TX - Data on Home Insurance Quotes, Rates & Agents
Houston, TX Home Values & Insurance Rates
| Houston, TX Home Value | Total Homes | % of Total | Average Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 38,935 | 7.0% | $196 |
| $50,000 to $59,999 | 15,572 | 3.0% | $424 |
| $60,000 to $69,999 | 23,544 | 4.0% | $527 |
| $70,000 to $79,999 | 29,546 | 5.0% | $610 |
| $80,000 to $89,999 | 40,232 | 7.0% | $693 |
| $90,000 to $99,999 | 44,965 | 8.0% | $776 |
| $100,000 to $124,999 | 89,931 | 17.0% | $900 |
| $125,000 to $149,999 | 63,041 | 12.0% | $1128 |
| $150,000 to $174,999 | 50,994 | 9.0% | $1335 |
| $175,000 to $199,999 | 26,844 | 5.0% | $1542 |
| $200,000 to $249,999 | 38,458 | 7.0% | $1852 |
| $250,000 to $299,999 | 24,274 | 4.0% | $2266 |
| $300,000 to $399,999 | 29,730 | 5.0% | $2877 |
Top Home Insurance Agents Near Houston, TX
| Home Insurance Company Near Houston, TX | Homeowners Insurance Agency Near Houston, TX | Address |
|---|---|---|
| NA | Twfg Insurance Services | 2620 Chestnut Ridge Kingwood, Houston, TX, 77339 |
| NA | Insurance Solutions Of America | 5901 Hillcroft St. Ste D-4, Houston, TX, 77036 |
| NA | Ward Business Insurance Agency, Lp | 18477 W Lake Houston Pkwy., 18477 W Lake Houston Pkwy., , Humble, TX, 77346 |
| Farmers | Jay Bhavsar | 4151 Southwest Fwy Ste 520, Houston, TX, 77027 |
| State Farm | John Cowart | 2757 Rayford Rd Ste C, Spring, TX, 77386-3999 |
Estimated Home Insurance By Street Area Near Houston, TX
| Houston Area | Estimated House Insurance |
|---|---|
| E Ritter Cir, Fichter Ave, Buckeye Dr, Palace Oaks Ct, Westmead Dr, Pallavi Woods Dr, Hope Village Rd, Honey Locust Dr, Oak Knoll Ln, Kingsford Dr | $1,017 |
| Drakewood Dr, Abigail Grace Ct, Bluejay Twin Cir, Park Royle Ct, Painted Mesa Cir, N Featherwood Dr, Shadow Hill Ln, N Pine Brook Way, Inkberry Dr, Refugio Ct | $1,025 |
| West St, Plum Knoll Ct, Northland Dr, Brookshire St, Saint Pl, Alvin St, Wayforest Dr, Woolwich Dr, Oates Ln, Hazy Brook Ln | $1,077 |
| Windsor Ln, Royalbrook Dr, Jan Kelly Ln, Custus St, Woodruff St, Beutel Dr, Gospel Way, Lake White Rock Dr, Berrington Dr, Drury Ln | $1,031 |
| Garden Grove Ct, Waterville Way, Allsup St, Emir, Lansbury Dr, del Papa St, Pointer St, Fox Mesa Ln, Merrill Hills Ct, Windy Meadow Dr | $1,028 |
| Maeline St, Windy Lake Dr, Heatherpark Dr, Saylynn Ln, Sagelink Dr, Fir Hollow Cir, Des Chaumes Ct, Brentwood Dr, Reeveston Rd, Carolina Grove Ln | $1,083 |
| Ralston St, Dallam Ln, NW Park Place Dr, Gaelic Ln, Mallow St, Lauderdale St, Keystone St, White Blossom Ln, Willow Shores Dr, Brackenridge St | $1,079 |
| Silver Rock Dr, N Hunters Court Dr, Haralson Rd, Peninsula Park Dr, Woodspring Acres Dr, Iris Hollow Way, Bedworth Ln, Oakside Dr, Sailors Moon Ct, Envoy St | $1,029 |
| Henson St, Ashford Meadow Dr, Sagelink Cir, Craddock Dr, Kit St, Raingreen Dr, Elgin Ct, Greenwillow Ct, Boyce St, Ridgewood Pl | $993 |
| Stephenson Rd, Huisache St, Ledgewood Dr, Linkterrace Ln, Jubilo Ln, Sunwood Dr, Rebel Yell Dr, Brownstone Ln, Furray Rd, Corner Creek | $993 |
Savings on home insurance for senior occupied homes
| Place | Savings |
|---|---|
| Houston | $155 to $157 |
| Harris County | $155 |
| Hilshire Village | $192 |
| West University Place | $208 |
Houston, TX 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 |
|---|---|---|
| Houston, TX | 5.8% | 16.3% |
| Harris County | 5.62% | 15.99% |
| Hilshire Village | 2.92% | 10.66% |
| West University Place | 2.89% | 11.55% |
Houston Renters Insurance as a Percentage of Rent
| Houston Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 5,310 | 1.0% | $800 |
| $300 to $499 | 23,523 | 4.0% | $1250 |
| $500 to $749 | 141,956 | 29.0% | $1925 |
| $750 to $999 | 147,062 | 30.0% | $2675 |
| $1,000 to $1,499 | 122,698 | 25.0% | $3800 |
| $1,500 or more | 43,541 | 8.0% | $5450 |
Houston, TX Home Insurance by Zip Code
| Zip Code | Median Home Value | Median Homeowners Insurance |
|---|---|---|
| 77099 | $98,700 | $1,020 |
| 77067 | $97,000 | $1,020 |
| 77086 | $96,300 | $1,030 |
| 77072 | $96,100 | $1,020 |
| 77088 | $93,900 | $1,020 |
| 77015 | $93,500 | $1,020 |
| 77037 | $93,000 | $1,020 |
| 77060 | $92,200 | $1,020 |
| 77091 | $91,800 | $1,020 |
| 77038 | $90,300 | $1,020 |
| 77039 | $88,000 | $1,010 |
| 77045 | $87,900 | $1,010 |
| 77017 | $86,900 | $1,020 |
| 77013 | $86,800 | $1,020 |
| 77053 | $86,300 | $1,020 |
| 77076 | $85,800 | $1,020 |
| 77087 | $85,700 | $1,010 |
| 77022 | $83,900 | $1,010 |
| 77048 | $83,300 | $1,010 |
| 77021 | $82,400 | $1,020 |
| 77012 | $80,600 | $1,010 |
| 77011 | $78,300 | $1,010 |
| 77093 | $76,700 | $1,010 |
| 77050 | $76,400 | $1,020 |
| 77032 | $73,100 | $1,010 |
| 77005 | $723,300 | $1,400 |
| 77020 | $71,900 | $1,010 |
| 77078 | $67,700 | $1,010 |
| 77016 | $65,200 | $1,000 |
| 77033 | $65,000 | $1,000 |
| 77024 | $632,700 | $1,330 |
| 77028 | $61,000 | $1,000 |
| 77026 | $59,900 | $1,000 |
| 77051 | $54,400 | $1,000 |
| 77056 | $543,600 | $1,290 |
| 77027 | $455,900 | $1,270 |
| 77098 | $392,200 | $1,230 |
| 77019 | $379,900 | $1,200 |
| 77025 | $324,000 | $1,170 |
| 77046 | $320,900 | $1,170 |
| 77079 | $319,900 | $1,170 |
| 77006 | $306,000 | $1,150 |
| 77007 | $296,400 | $1,160 |
| 77094 | $284,600 | $1,160 |
| 77008 | $278,900 | $1,150 |
| 77096 | $256,300 | $1,120 |
| 77059 | $242,500 | $1,120 |
| 77081 | $221,900 | $1,100 |
| 77057 | $221,200 | $1,110 |
| 77002 | $216,400 | $1,100 |
| 77055 | $215,000 | $1,100 |
| 77077 | $209,100 | $1,100 |
| 77042 | $206,600 | $1,090 |
| 77018 | $205,600 | $1,090 |
| 77069 | $202,200 | $1,090 |
| 77004 | $200,800 | $1,100 |
| 77063 | $188,500 | $1,080 |
| 77095 | $168,300 | $1,070 |
| 77068 | $161,300 | $1,070 |
| 77058 | $158,500 | $1,070 |
| 77062 | $158,400 | $1,060 |
| 77070 | $157,900 | $1,070 |
| 77009 | $155,600 | $1,060 |
| 77035 | $151,100 | $1,060 |
| 77043 | $143,100 | $1,060 |
| 77065 | $143,000 | $1,050 |
| 77041 | $137,600 | $1,040 |
| 77090 | $137,000 | $1,050 |
| 77064 | $134,800 | $1,050 |
| 77044 | $131,000 | $1,050 |
| 77082 | $129,800 | $1,040 |
| 77092 | $129,400 | $1,040 |
| 77080 | $128,200 | $1,050 |
| 77084 | $127,400 | $1,040 |
| 77089 | $123,300 | $1,040 |
| 77014 | $122,600 | $1,040 |
| 77071 | $121,000 | $1,040 |
| 77083 | $119,800 | $1,040 |
| 77066 | $118,700 | $1,040 |
| 77031 | $118,300 | $1,040 |
| 77075 | $116,600 | $1,040 |
| 77003 | $116,100 | $1,030 |
| 77054 | $114,800 | $1,040 |
| 77061 | $113,800 | $1,040 |
| 77073 | $113,200 | $1,040 |
| 77036 | $112,500 | $1,030 |
| 77085 | $112,100 | $1,030 |
| 77047 | $104,800 | $1,030 |
| 77034 | $103,800 | $1,030 |
| 77023 | $103,000 | $1,030 |
| 77074 | $102,900 | $1,030 |
| 77049 | $100,400 | $1,030 |
Houston, TX Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $800 | $2,800 |
| Yearly Houston Homeowner Insurance Premium Example | $2,000 | $1,600 |
| Out of Pocket Expense During Claim | $800 | $2,800 |
| Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim | $14,800 | $14,000 |
| Net Savings to Houston Home Owner from High Deductible Plan | $800 | |
Houston, TX Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Houston, TX Home Replacement Value MORE than Home Value | Houston, TX Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $836,500 | $608,500 |
| Insurance Premium based on Replacement Value | $8,700 | $6,325 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $83,000 | Risk Exposure from Under Insuring Coverage is $145,000 |
| Premium Impact | Insurance cheaper by $1,500/year | Insurance costlier by $875/year |
Example Houston Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | Amica Mutual Insurance Company | Allstate | Farmers Insurance |
| Monthly Premium | 68 | 95 | 234 |
| Year Built | 1986 | 2003 | 2010 |
| Home Details | 2 Beds, 1 Baths | 4 Beds, 2 Baths | 5 Beds, 3 Baths |
| Coverage Amount | $100000-$125000 | $150000-$175000 | $300000-$350000 |
| Deductible | $500 Deductible | $500- $1000 Deductible | $500- $1000 Deductible |
Houston, TX Auto & Home Insurance Bundling Discounts
| Place | 1 Car Bundle Savings | 2 Car Bundle Savings | 3 Car Bundle Savings |
|---|---|---|---|
| Harris County, Texas | $130 | $173 | $259 |
| Hilshire Village city, Texas | $160 | $213 | $320 |
| West University Place city, Texas | $173 | $231 | $346 |
Sample Home Insurance Rates for Houston, TX from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 1988 | 155,000 | Slate Shingles Roof | 2,290 | 3 | $1000-$2500 Deductible | 520 | 4 | Wood siding | No |
| 2003 | 140,000 | Membrane Roof | 1,730 | 5 | $2500-$5000 Deductible | 330 | 6 | Stone Siding | yes |
| 1988 | 155,000 | Membrane Roof | 2,240 | 3 | $5000 to $10,000 Deductible | 170 | 2 | Wood siding | No |
| 2013 | 185,000 | Composition Roof | 1,930 | 4 | $2500-$5000 Deductible | 1270 | 9 | Wood siding | No |
| 1970 | 75,000 | Wood Shake Roof | 1,180 | 2 | $2500-$5000 Deductible | 310 | 8 | Vinyl siding | yes |
| 1978 | 160,000 | Asphalt Shingles Roof | 1,780 | 3 | $500- $1000 Deductible | 500 | 5 | Stone Siding | yes |
| 1983 | 180,000 | Shingles Roof | 2,140 | 5 | $1000-$2500 Deductible | 210 | 2 | Brick siding | yes |
| 2013 | 135,000 | Asphalt Shingles Roof | 1,960 | 3 | $500- $1000 Deductible | 330 | 4 | Fiber-Cement Siding | No |
| 2006 | 70,000 | Composition Roof | 1,214 | 2 | $2500-$5000 Deductible | 670 | 10 | Wood siding | yes |