Lampasas Insurance Rates:

Lampasas, TX homeowners insurance is roughly $873 to $1,194, about $72-$99/month. Our extensive guide reveals consumers can save as much as $413 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Liberty Mutual
I like that our home and car insurance are under one umbrella. We also are eligible for other discounts that are definitely appreciated.
Allstate
I would definitely recommend my insurance company. They have a small office close by with very reliable customer service reps.

Lampasas, TX Homeowners Insurance By Home Value

Lampasas, TX Home Value Total Homes % of Total Average Lampasas, TX Homeowners Insurance
Less than $50,000 675 15.0% $206
$50,000 to $59,999 151 3.0% $434
$60,000 to $69,999 98 2.0% $537
$70,000 to $79,999 309 7.0% $620
$80,000 to $89,999 259 5.0% $703
$90,000 to $99,999 199 4.0% $785
$100,000 to $124,999 576 13.0% $909
$125,000 to $149,999 452 10.0% $1137
$150,000 to $174,999 448 10.0% $1344
$175,000 to $199,999 203 4.0% $1551
$200,000 to $249,999 366 8.0% $1861
$250,000 to $299,999 401 9.0% $2285
$300,000 to $399,999 268 6.0% $2895

Top Home Insurance Agents Near Lampasas, TX

Home Insurance Company Near Lampasas, TX Homeowners Insurance Agency Near Lampasas, TX Address
State Farm Mike Acosta 510 S 2nd, Killeen, TX, 76541-7116
State Farm Nan Hawthorne 220 Commercial Dr Ste F, Harker Hts, TX, 76548-2566
NA Dean Smith Insurance 305 W Polk St., Burnet, TX, 78611
NA Texell Financial Po Box 983, Temple, TX, 76503
State Farm Brent Allen 9801 Andrsn Ml Rd Ste 120, Austin, TX, 78750-2223

Cost Of Homeowners Insurance By Street Near Lampasas, TX

Streets in Lampasas Area Homeowners Insurance Cost
W Vine St, Cr 3151, Co Rd 264, Co Rd 320, Supple Dr, Co Rd 3070, Co Rd 4820, Co Rd 360, Cr 3351, Freedom Ln$1,043
Key Ave, Taylor St, Chris Ave, Co Rd 336, Circle T Dr, 244, Hoover St, Co Rd 183, Co Rd 4630, Old Lometa Rd$1,013
Co Rd 1, Stokes St, Buckboard Trl, Co Rd 4450, Coleman Dr, Cr 2207, Diamond Back Trl, S Pecan St, Co Rd 4360, N Spring St$1,077
Co Rd 3220, FM 3046, E 9th St, Co Rd 37, Cr 4937, S Western Ave, S Main St, N Porter St, Co Rd 49, Co Rd 4748$1,019
Co Rd 1030, Cr 4630, Georgetown Rd, Jake, Rabbit Rd, Co Rd 1045, Co Rd 4127, Co Rd 4935, Co Rd 2268, Co Rd 305$1,043

Lampasas, TX Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Lampasas$154 to $156
Lampasas County$154
Kempner$151
Copperas Cove$153

Lampasas, 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
Lampasas County, Texas $129 $172 $258
Adamsville CCD, Lampasas County, Texas $129 $171 $257
Kempner city, Texas $126 $167 $251

Lampasas, 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
Lampasas, TX6.6%19.4%
Lampasas County6.91%19.52%
Adamsville8.18%15.29%
Kempner6.68%25.82%

Lampasas Renters Insurance as a Percentage of Rent

Lampasas Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 87 6.0% $1250
$500 to $749 607 46.0% $1925
$750 to $999 388 29.0% $2675
$1,000 to $1,499 152 11.0% $3800
$1,500 or more 56 4.0% $5450

Lampasas, TX Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$1,600
Yearly Lampasas Homeowner Insurance Premium Example $1,700$1,200
Out of Pocket Expense During Claim$600$1,600
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $9,100$7,600
Net Savings to Lampasas Home Owner from High Deductible Plan $1,500

Lampasas, TX Home Insurance Costs With Home Replacement Value Scenarios

Scenario Lampasas, TX Home Replacement Value MORE than Home Value Lampasas, TX Home Replacement Value LESS than Home Value
Replacement Value $217,000 $165,500
Insurance Premium based on Replacement Value $2,125 $1,625
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $18,500 Risk Exposure from Under Insuring Coverage is $33,000
Premium Impact Insurance cheaper by $325/year Insurance costlier by $175/year

Example Lampasas Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceChubb Group of InsuranceLiberty Mutual
Monthly Premium 11193151
Year Built 199419862013
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 4 Baths
Coverage Amount $175000-$200000$125000-$150000$250000-$300000
Deductible $2500-$5000 Deductible$1000-$2500 Deductible$500- $1000 Deductible

Sample Home Insurance Rates for Lampasas, 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 165,000 Composition Roof 2,320 4 $1000-$2500 Deductible 1500 12 Fiber-Cement Siding yes
1993 140,000 Asphalt Shingles Roof 1,760 3 $1000-$2500 Deductible 760 8 Wood siding No
1965 115,000 Tile Roof 1,390 3 $1000-$2500 Deductible 210 3 Stucco siding yes
2010 205,000 Metal Roof 2,130 4 $5000 to $10,000 Deductible 730 8 Wood siding yes
1988 110,000 Slate Shingles Roof 1,240 3 $500- $1000 Deductible 240 4 Fiber-Cement Siding yes
2014 140,000 Wood Shake Roof 2,140 4 $500- $1000 Deductible 1430 12 Stucco siding No
2002 280,000 Tile Roof 3,310 4 $500- $1000 Deductible 200 1 Stone Siding No
1983 180,000 Membrane Roof 2,690 5 $500 Deductible 480 5 Fiber-Cement Siding yes
2002 195,000 Wood Shake Roof 2,040 4 $500 Deductible 950 6 Vinyl siding yes
1983 170,000 Tile Roof 2,580 5 $5000 to $10,000 Deductible 590 9 Stucco siding No
1998 290,000 Shingles Roof 3,620 5 $2500-$5000 Deductible 1200 9 Wood siding yes
1998 200,000 Slate Shingles Roof 2,300 3 $500 Deductible 1040 9 Wood siding No
1995 370,000 Shingles Roof 4,560 5 $2500-$5000 Deductible 1130 5 Wood siding yes
2014 155,000 Slate Shingles Roof 1,890 3 $500 Deductible 1190 12 Brick siding No
1963 210,000 Shingles Roof 2,970 4 $1000-$2500 Deductible 650 5 Stone Siding No
2012 90,000 Slate Shingles Roof 1,210 3 $2500-$5000 Deductible 580 12 Stone Siding yes
1962 165,000 Wood Shake Roof 2,020 4 $500 Deductible 440 4 Stucco siding No
2013 115,000 Asphalt Shingles Roof 1,670 3 $500- $1000 Deductible 670 6 Stucco siding No
1969 305,000 Metal Roof 3,170 4 > $10,000 Deductible 550 4 Wood siding No
1990 110,000 Composition Roof 1,620 4 $1000-$2500 Deductible 60 1 Brick siding No
1960 160,000 Membrane Roof 1,770 4 $2500-$5000 Deductible 1200 12 Stone Siding yes
1989 150,000 Shingles Roof 1,790 5 $500 Deductible 1310 9 Fiber-Cement Siding No
1963 115,000 Wood Shake Roof 1,340 3 $500 Deductible 600 7 Vinyl siding yes
1985 115,000 Tile Roof 1,510 5 $500 Deductible 540 8 Fiber-Cement Siding No
2013 155,000 Metal Roof 2,310 3 $1000-$2500 Deductible 910 9 Fiber-Cement Siding yes
2001 135,000 Shingles Roof 2,010 4 $500 Deductible 360 3 Brick siding No
2013 345,000 Metal Roof 4,010 5 $500- $1000 Deductible 770 4 Stucco siding yes
2007 230,000 Composition Roof 3,040 5 $500 Deductible 390 2 Stone Siding yes
2008 150,000 Composition Roof 1,870 5 $5000 to $10,000 Deductible 150 2 Stone Siding yes
1983 265,000 Tile Roof 2,900 5 $1000-$2500 Deductible 2400 12 Fiber-Cement Siding No
1963 125,000 Tile Roof 1,400 3 $500 Deductible 760 10 Stone Siding No
1995 205,000 Shingles Roof 2,250 3 $2500-$5000 Deductible 210 2 Brick siding No