Kirby Insurance Rates:

Kirby, TX homeowners insurance is nearly $857 to $1,162, about $71-$96/month. Our thorough research reveals consumers can save as much as $404 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Kirby, TX Homeowners Insurance By Home Value

Kirby, TX Home Value Total Homes % of Total Average Kirby, TX Homeowners Insurance
Less than $50,000 338 17.0% $303
$50,000 to $59,999 46 2.0% $646
$60,000 to $69,999 200 10.0% $797
$70,000 to $79,999 314 16.0% $919
$80,000 to $89,999 393 20.0% $1040
$90,000 to $99,999 292 15.0% $1161
$100,000 to $124,999 186 9.0% $1353
$125,000 to $149,999 83 4.0% $1686
$150,000 to $174,999 69 3.0% $1999

Top Home Insurance Agents Near Kirby, TX

Home Insurance Company Near Kirby, TX Homeowners Insurance Agency Near Kirby, TX Address
NA Sa Benefit Services, Llc 10611 Stonecreek Pl. San Antonio, San Antonio, TX, 78254
Farmers Matthew Morrison 18965 FM 2252 Ste 202, Garden Ridge, TX, 78266
Farmers Ryan Richter 1020a W Oaklawn Rd, Pleasanton, TX, 78064
Travelers Texas Associates Insurors Agency Sa Inc 70 NE LOOP 410 STE 520, SAN ANTONIO, TX, 78216
Nationwide Xavier Ruben Silva Agency 9650 Datapoint Dr STE 101, San Antonio, TX, 78229-2389

Cost Of Homeowners Insurance By Street Near Kirby, TX

Streets in Kirby Area Homeowners Insurance Cost
Juniper Farm, Woodlake Pkwy, Gavlick Farm, Crater Lake Dr, Pine Lake Dr, Pismo Beach, Sir Robert Dr, Peppermint Ln, Lakeway St, Crown Ln$1,032
Prairie Sun Dr, Richland Pl, Sterling Manor, James Webb Dr, Sunshine Park, Cinderella St, Cedar Sound, Stone Lake, Mountain Brook, Dancing Ct$1,032
Lakebend West Dr, Joes Farm, Coral Sunrise, Still Lake Dr, Lehman Dr, Springfield Rd, Wildflower Way, Sun Canyon Dr, Lochmoor, Enchanted Sun$1,005
Alan Sheppard Dr, Pelican Coral, Andera Fields, Miners Hill, Candle Sunrise, Cameron Springs Dr, Salmon Creek, Jackies Farm, Georges Farm, Otto$1,028
Holly Meadow, Agena Dr, French Sea, Gaiety Ln, Arizona Bay, Gallery Sun Dr, Cypress Lake, Cactus Sun, Fountain Hill, Dashmoor Creek$1,041

Kirby, TX Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Kirby$151 to $153
Windcrest$158
Terrell Hills$184
Alamo Heights$179

Kirby, 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
Windcrest city, Texas $158 $211 $317
Terrell Hills city, Texas $185 $246 $369
Alamo Heights city, Texas $179 $239 $359

Kirby, 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
Kirby, TX8.9%22.0%
Windcrest5.74%15.84%
Terrell Hills3.07%10.25%
Alamo Heights3.56%11.96%

Kirby Renters Insurance as a Percentage of Rent

Kirby Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 28 4.0% $1258
$500 to $749 269 39.0% $1933
$750 to $999 255 37.0% $2683
$1,000 to $1,499 135 19.0% $3808

Kirby, TX Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$2,900
Yearly Kirby Homeowner Insurance Premium Example $1,500$1,000
Out of Pocket Expense During Claim$900$2,900
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $8,400$7,900
Net Savings to Kirby Home Owner from High Deductible Plan $500

Kirby, TX Home Insurance Costs With Home Replacement Value Scenarios

Scenario Kirby, TX Home Replacement Value MORE than Home Value Kirby, TX Home Replacement Value LESS than Home Value
Replacement Value $131,500 $90,500
Insurance Premium based on Replacement Value $1,100 $750
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $24,000 Risk Exposure from Under Insuring Coverage is $17,000
Premium Impact Insurance cheaper by $150/year Insurance costlier by $200/year

Example Kirby Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceState FarmChubb Group of Insurance
Monthly Premium 7395230
Year Built 199419781989
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 2 Baths
Coverage Amount $100000-$125000$125000-$150000$250000-$300000
Deductible $500- $1000 Deductible$1000-$2500 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1996 170,000 Composition Roof 3,110 4 $5000 to $10,000 Deductible 410 5 Stucco siding yes
1976 155,000 Slate Shingles Roof 2,930 5 $5000 to $10,000 Deductible 380 5 Stucco siding yes
1999 150,000 Shingles Roof 2,270 5 $2500-$5000 Deductible 420 5 Wood siding No
1999 170,000 Wood Shake Roof 3,270 4 $1000-$2500 Deductible 440 4 Vinyl siding yes
1988 180,000 Tile Roof 2,690 4 $500 Deductible 430 4 Stucco siding No
1979 120,000 Wood Shake Roof 2,330 4 $1000-$2500 Deductible 520 6 Stucco siding yes
1976 170,000 Wood Shake Roof 2,780 4 $500 Deductible 1000 6 Stone Siding No
1972 200,000 Membrane Roof 3,250 4 $2500-$5000 Deductible 850 6 Wood siding No
1976 135,000 Shingles Roof 1,920 3 $500- $1000 Deductible 670 6 Stucco siding yes
1981 135,000 Slate Shingles Roof 2,630 5 $1000-$2500 Deductible 630 9 Vinyl siding No
1997 170,000 Shingles Roof 2,590 5 $1000-$2500 Deductible 1160 10 Wood siding No
1990 335,000 Composition Roof 4,730 5 $500 Deductible 1000 5 Brick siding yes
1973 195,000 Slate Shingles Roof 2,680 4 $2500-$5000 Deductible 410 4 Wood siding No
1998 100,000 Slate Shingles Roof 1,380 3 $2500-$5000 Deductible 590 8 Brick siding No
1973 150,000 Membrane Roof 2,390 3 $1000-$2500 Deductible 620 5 Wood siding yes
1993 90,000 Asphalt Shingles Roof 1,430 3 $500 Deductible 640 9 Brick siding yes
1988 245,000 Membrane Roof 3,370 4 $500- $1000 Deductible 1200 7 Vinyl siding No
1993 135,000 Wood Shake Roof 2,170 3 $1000-$2500 Deductible 690 8 Stucco siding No
1987 75,000 Tile Roof 1,430 3 $2500-$5000 Deductible 190 6 Vinyl siding yes
1997 155,000 Metal Roof 2,800 4 $500 Deductible 920 7 Fiber-Cement Siding No
1978 175,000 Slate Shingles Roof 3,220 4 $5000 to $10,000 Deductible 360 5 Wood siding yes
1992 100,000 Slate Shingles Roof 1,730 4 $2500-$5000 Deductible 150 3 Fiber-Cement Siding No
1989 125,000 Composition Roof 2,050 3 $500 Deductible 880 10 Stucco siding No
1999 165,000 Metal Roof 2,980 4 $2500-$5000 Deductible 480 7 Stucco siding yes
1973 170,000 Slate Shingles Roof 2,460 4 $500 Deductible 520 5 Stucco siding yes
1993 185,000 Shingles Roof 3,100 4 $1000-$2500 Deductible 200 2 Fiber-Cement Siding yes
1971 105,000 Asphalt Shingles Roof 2,070 3 $1000-$2500 Deductible 650 12 Stone Siding yes
1999 160,000 Metal Roof 2,700 5 $500- $1000 Deductible 840 7 Fiber-Cement Siding No
1970 190,000 Wood Shake Roof 2,990 5 $500 Deductible 1220 9 Stucco siding No
1986 330,000 Asphalt Shingles Roof 4,570 5 > $10,000 Deductible 1440 10 Fiber-Cement Siding yes