Killeen ,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 Killeen, 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 Killeen, TX is $2027. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Killeen, TX. VHome Insurance will help you navigate the world of homeowners insurance coverages in Killeen, TX.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $811 |
| $200,000 | $1,378 |
| $300,000 | $1,703 |
| $400,000 | $2,595 |
| $500,000 | $3,263 |
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 Killeen, TX, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $2,078 |
| $1000 Deductible | $1,859 |
| $1500 Deductible | $1,753 |
| $2500 Deductible | $1,581 |
| $5000 Deductible | $1,338 |
| Home Insurance Company Near Killeen, TX | Homeowners Insurance Agency Near Killeen, TX | Address |
|---|---|---|
| State Farm | David Simmons | 11104c N Lamar Blvd, Austin, TX, 78753-3047 |
| Travelers | Galloway Insurance | 105 North Water, Burnet, TX, 78611 |
| Allstate | Jorge Montalvo | 401 E Whitestone Blvd Ste A102, Cedar Park, TX, 78613 |
| State Farm | Kevin Krause | 1000 W Highway 6 Ste 310, Waco, TX, 76712-3793 |
| State Farm | Terry Strickland | 4949 Franklin Ave, Waco, TX, 76710-6900 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Harker Heights city, Texas | $158 | $211 | $317 |
| Nolanville city, Texas | $155 | $207 | $311 |
| Fort Hood CDP, Texas | $149 | $198 | $297 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Killeen, TX | 6.8% | 18.7% |
| Harker Heights | 5.37% | 16.75% |
| Nolanville | 6.49% | 20.75% |
| Southwest Bell | 6.25% | 15.87% |
| Killeen Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $300 to $499 | 2,061 | 8.0% | $1251 |
| $500 to $749 | 6,964 | 27.0% | $1926 |
| $750 to $999 | 7,996 | 31.0% | $2676 |
| $1,000 to $1,499 | 7,082 | 27.0% | $3801 |
| $1,500 or more | 1,217 | 4.0% | $5451 |
| Streets in Killeen Area | Homeowners Insurance Cost |
|---|---|
| Leatherwood Dr, Turtle Bend Dr, Llewellyn Ln, Market Blvd, Triangle Rd, Gardenia Ave, S Park St, San Antonio St, Birchwood Dr, Upper Ridge Ct | $1,005 |
| Lobo Trl, Zinnia Cir, Cox Dr, Sherwood Loop, Burk Dr, Cedar Cove Spr, Edgefield St, Edgefield St, N 60th St, Glynhill Ct | $1,016 |
| Courtney Ln, Inwood Cir, Daffodil Dr, Jeff Scott Dr, Smith Dr, el Dorado Dr, Wood St, Jefferies Ave, Tahuaya Dr, Libby Ln | $999 |
| Dobbs Ave, Shady Dr, Mosaic Trl, Robert Tyler Dr, Evergreen Dr, Bamboo Ln, Lu Cir, Hank Dr, Goodnight Dr, Boyd Ave | $1,001 |
| Forest Hill Dr, Sorcerer Ct, Mohawk Dr, Full View Cir, Patton Dr, Parker Ln, Fox Creek Dr, Ridglea Ct, Grace, Nichols Cir | $1,029 |
| Coley Dr, E Cardinal Ln, Mary Jane Cir, Diaz Dr, Stampede Cir, Alexander St, Lancelot Dr, Garner Ave, Dewitt County Ct, Bream Cir | $1,014 |
| Mountain View Dr, Lorraine Cir, Copperfield Cir, E Valley Rd, Dugger Cir, Medina Dr, Chafin Dr, Attas Ave, W Kathey Rd, Godman St | $1,012 |
| Langford St, White Rock Dr, Westrim Dr, Cinnamon Stone Dr, Standridge St, Pinewood St, Amber Rene Dr, Cloud St, Audra Rd, Daytona Dr | $1,039 |
| Cessnock Dr, Pomegranate Cir, Ponderosa Dr, Aztec Trce, Dusty Holler Rd, Laura St, Ramblewood St, Reynard Cir, Estelle Ave, Golden Gate Dr | $1,072 |
| Trotwood Trl, Bayberry Dr, Sonora Dr, Fort Rd, Silver Creek Dr, Bowles Ranch Rd, Dorothy Ln, Coy Dr, Beaver Dr, Longview Dr | $1,013 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Killeen | $154 to $156 |
| Harker Heights | $158 |
| Nolanville | $155 |
| Fort Hood | $148 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,400 | $2,400 |
| Yearly Killeen Homeowner Insurance Premium Example | $1,000 | $800 |
| Out of Pocket Expense During Claim | $1,400 | $2,400 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $9,400 | $8,800 |
| Net Savings to Killeen Home Owner from High Deductible Plan | $600 | |
| Scenario | Killeen, TX Home Replacement Value MORE than Home Value | Killeen, TX Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $126,000 | $85,000 |
| Insurance Premium based on Replacement Value | $1,300 | $875 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $20,000 | Risk Exposure from Under Insuring Coverage is $21,000 |
| Premium Impact | Insurance cheaper by $225/year | Insurance costlier by $200/year |
| Insurance Company | Chubb Group of Insurance | Allstate | State Farm |
| Monthly Premium | 158 | 69 | 144 |
| Year Built | 2001 | 1996 | 2012 |
| Home Details | 4 Beds, 3 Baths | 2 Beds, 1 Baths | 5 Beds, 2 Baths |
| Coverage Amount | $200000-$250000 | $75000-$100000 | $200000-$250000 |
| Deductible | $1000-$2500 Deductible | $500- $1000 Deductible | $2500-$5000 Deductible |