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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

PlaceSavings
Houston$155 to $157
Harris County$155
Hilshire Village$192
West University Place$208

Houston, TX 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
Houston, TX5.8%16.3%
Harris County5.62%15.99%
Hilshire Village2.92%10.66%
West University Place2.89%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 DeductibleHigh 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 CompanyAllstateFarmers Insurance
Monthly Premium 6895234
Year Built 198620032010
Home Details 2 Beds, 1 Baths4 Beds, 2 Baths5 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