Katy Insurance Rates:

Katy, TX homeowners insurance is about $887 to $1,209, about $73-$100/month. Our detailed research indicates shoppers can save as much as $419 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Farmer's Insurance
compared to other insurance companies I think I pay a high deductible and i believe the insurance company are just taking advantage of their customers
State Farm
It is a big company, meaning it will bring a lot of demand for customer service. Sometimes it might take longer times, like 15 minutes to finally get in touch. Although they are friendly and willing to help.
Allstate
Yes, I would recommend Allstate. I trust them and they are reliable.
State Farm
State farm insurance policies offer coverage for damage caused by fires, lightning strikes, windstorms and hail. But, it's important to know that not all natural disasters are covered by homeowners insurance.

Katy, TX Homeowners Insurance By Home Value

Katy, TX Home Value Total Homes % of Total Average Katy, TX Homeowners Insurance
Less than $50,000 220 7.0% $167
$70,000 to $79,999 72 2.0% $514
$80,000 to $89,999 236 7.0% $587
$90,000 to $99,999 169 5.0% $660
$100,000 to $124,999 481 15.0% $765
$125,000 to $149,999 496 15.0% $954
$150,000 to $174,999 465 14.0% $1132
$175,000 to $199,999 304 9.0% $1300
$200,000 to $249,999 304 9.0% $1563
$250,000 to $299,999 97 3.0% $1919
$300,000 to $399,999 251 8.0% $2433

Top Home Insurance Agents Near Katy, TX

Home Insurance Company Near Katy, TX Homeowners Insurance Agency Near Katy, TX Address
Farmers Hal Rice 700 Rockmead Dr Ste 140, Kingwood, TX, 77339
Allstate Joel Gonzalez 812 W Dallas St Ste 90, Conroe, TX, 77301
Allstate Joel Zamarripa 943 FM 1959 Rd, Houston, TX, 77034
Allstate Mien Tran 13411 State Highway 249 Ste 1, Houston, TX, 77086
Travelers Smart Insurance Group 6051 N COURSE DR, HOUSTON, TX, 77072

Cost Of Homeowners Insurance By Street Near Katy, TX

Streets in Katy Area Homeowners Insurance Cost
Meadow Oaks Dr, Estes Lake Ln, Wind Hawk Ct, Cactus Sage Trl, Lara Brook Ct, Tustin Ranch Dr, Grand Pebble Ln, Wild Orchard Ct, Sandalia Ct, Hadley Rock Dr$1,108
Roundhill Ct, Stoughton Ct, Shannon Wood Ct, Trailstone Ct, Hawkins Creek Ct, Teal View Ln, Kingsland Blvd, Aylesworth Ct, Evans Grove Ln, Hunt Rd$1,099
Myrtle Lake Ln, Rosemary Knoll Ln, Conroy Pointe Ln, Stirrup Rd, Falcon Talon Ct, Southern Glen Ln, Sebey Ridge Ln, Chalet Ridge Dr, Swallows Cove Ln, Evening Oaks Ln$1,115
Salt Creek Ln, Iberville Glen Dr, Chicory Chase Ct, Lake Sydney Dr, Little Dogie Rd, Norwood Meadow Dr, Windemere Park Ln, Cook Point Ct, Claridge Park Ln, Mossy Path Ln$1,108
Fremont Manor Ln, Fort Bend Dr, W Amber Bluff Ln, N Firethorne Rd, Lake Dr, Granger Oaks Ct, Pepper Sage Ln, Fulshear Plantation Ct, Scottsbury Ct, Blanchard Grove Dr$1,115

Katy, TX Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Katy$156 to $159
Cinco Ranch$165
Fulshear$173
Fulshear-Simonton$167

Katy, 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
Cinco Ranch CDP, Texas $166 $221 $332
Fulshear city, Texas $173 $231 $347
Fulshear-Simonton CCD, Fort Bend County, Texas $167 $222 $333

Katy, 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
Katy, TX5.5%12.7%
Cinco Ranch3.66%9.23%
Fulshear3.64%20.98%
Fulshear-Simonton3.89%9.65%

Katy Renters Insurance as a Percentage of Rent

Katy Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 28 1.0% $1245
$500 to $749 195 13.0% $1920
$750 to $999 376 26.0% $2670
$1,000 to $1,499 518 36.0% $3795
$1,500 or more 282 20.0% $5445

Katy, TX Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,200$4,200
Yearly Katy Homeowner Insurance Premium Example $3,200$2,600
Out of Pocket Expense During Claim$1,200$4,200
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $26,800$25,000
Net Savings to Katy Home Owner from High Deductible Plan $1,800

Katy, TX Home Insurance Costs With Home Replacement Value Scenarios

Scenario Katy, TX Home Replacement Value MORE than Home Value Katy, TX Home Replacement Value LESS than Home Value
Replacement Value $296,500 $181,500
Insurance Premium based on Replacement Value $3,200 $1,950
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $74,000 Risk Exposure from Under Insuring Coverage is $41,000
Premium Impact Insurance cheaper by $450/year Insurance costlier by $800/year

Example Katy Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualNationwide InsuranceAmica Mutual Insurance Company
Monthly Premium 157127193
Year Built 201319931984
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 3 Baths
Coverage Amount $200000-$250000$150000-$175000$200000-$250000
Deductible $500 Deductible$500 Deductible$500 Deductible

Sample Home Insurance Rates for Katy, 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 345,000 Tile Roof 3,320 4 $500- $1000 Deductible 530 2 Vinyl siding No
1999 165,000 Metal Roof 1,890 3 $500 Deductible 1240 10 Stucco siding yes
2003 185,000 Slate Shingles Roof 2,460 4 $5000 to $10,000 Deductible 670 7 Stucco siding yes
2010 345,000 Metal Roof 4,260 5 $5000 to $10,000 Deductible 140 1 Wood siding No
2007 245,000 Membrane Roof 2,620 5 $500- $1000 Deductible 760 5 Fiber-Cement Siding No
1987 380,000 Slate Shingles Roof 3,730 5 $1000-$2500 Deductible 250 1 Brick siding yes
1983 540,000 Wood Shake Roof 4,970 5 $2500-$5000 Deductible 3040 10 Brick siding yes
1985 245,000 Membrane Roof 2,670 4 > $10,000 Deductible 810 7 Stone Siding No
2000 300,000 Metal Roof 3,540 5 $500 Deductible 1860 7 Fiber-Cement Siding No
1992 195,000 Asphalt Shingles Roof 2,170 4 $2500-$5000 Deductible 1140 12 Wood siding yes
2009 140,000 Asphalt Shingles Roof 1,890 3 $1000-$2500 Deductible 760 7 Wood siding yes
1980 115,000 Tile Roof 1,340 3 $2500-$5000 Deductible 530 9 Brick siding yes
1997 95,000 Membrane Roof 1,200 3 $2500-$5000 Deductible 250 5 Stucco siding No
2008 230,000 Metal Roof 2,250 3 $500- $1000 Deductible 1060 7 Brick siding yes
2004 245,000 Shingles Roof 2,360 3 > $10,000 Deductible 610 6 Vinyl siding yes
2009 205,000 Shingles Roof 1,960 5 $1000-$2500 Deductible 750 5 Wood siding No
1998 310,000 Tile Roof 2,970 5 $500- $1000 Deductible 2630 12 Wood siding No
1995 345,000 Composition Roof 3,420 5 $1000-$2500 Deductible 1590 10 Vinyl siding yes
2010 140,000 Wood Shake Roof 1,650 4 $500 Deductible 310 3 Fiber-Cement Siding No
1995 325,000 Membrane Roof 3,650 5 > $10,000 Deductible 260 2 Brick siding No
1993 140,000 Slate Shingles Roof 1,870 4 $500- $1000 Deductible 340 4 Brick siding No
2013 165,000 Tile Roof 1,960 4 $2500-$5000 Deductible 600 7 Brick siding No
1994 135,000 Slate Shingles Roof 1,790 3 $2500-$5000 Deductible 440 5 Fiber-Cement Siding yes
1983 310,000 Metal Roof 3,030 5 $1000-$2500 Deductible 1430 8 Wood siding No
1985 195,000 Tile Roof 1,870 3 $2500-$5000 Deductible 780 8 Wood siding yes
1982 225,000 Tile Roof 2,050 3 $500 Deductible 1960 12 Fiber-Cement Siding yes
1984 190,000 Membrane Roof 1,910 3 $500- $1000 Deductible 140 1 Stone Siding No
2014 215,000 Tile Roof 1,950 3 $5000 to $10,000 Deductible 560 6 Fiber-Cement Siding yes
1997 215,000 Composition Roof 2,630 5 $2500-$5000 Deductible 1080 8 Wood siding yes
2001 180,000 Asphalt Shingles Roof 2,020 4 $2500-$5000 Deductible 1280 12 Fiber-Cement Siding yes
1994 310,000 Slate Shingles Roof 3,950 5 > $10,000 Deductible 950 7 Stucco siding yes
1982 185,000 Composition Roof 1,720 4 $500 Deductible 1220 12 Vinyl siding No
2001 295,000 Composition Roof 3,130 4 $500 Deductible 720 4 Stucco siding No
1996 380,000 Wood Shake Roof 3,940 5 $500- $1000 Deductible 3070 12 Wood siding yes