Lancaster Insurance Rates:

Lancaster, TX homeowners insurance is roughly $868 to $1,178, about $72-$98/month. Our extensive analysis reveals consumers can save as much as $409 by getting 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
it is a good recommended home insurance company i refered my friend also
Saferoad Insurance
The staff is helpful and always answers my questions just how i need them answered. they are very respectful as well.
State Farm
I would rate State Farm customer service a 5. Thankfully we have only ever had to use it to ask questions, and not file a claim, yet. But they are very informative and complete with their information.
Alfa Insurance
I have recommended Alfa to other people. As a suggestion to research them as well as many others. As far as I can see, the rates are on par.
Progressive
I researched several different insurance companies and my insurance company is a lot more competitive with their prices based off of what they have to offer.
Progressive
I like progressive because i feel like they are the cheapest in the business, yet the customer still gets the value of quality home insurance.
State Farm
A small increase is no big deal, but 10% increase just comes in the mail. you can lower your coverage or pay the premium. the other crazy thing was it took over an hour to go over all the items in the house, then when it ended it went to a discussion on changing the amount to cover everything. i felt like listing everything was a waste of time when we could've just picked a number to begin with.
Progressive
I think I get a good deal on my premium but I feel as though there is always something better out there. I think that you can always get a better deal someone else but you have to look for it.
State Farm
I like having my agent accessible, I like having my policies all in one place, I like that I can use their mobile app and I like that my agent works with me to find a plan that fits my needs and budget.
State Farm
Customer service has always been great. No problems. They are there when I need them
State Farm
They have a really user friendly website so its easy to get a quote. Whenever I have questions or queries its very easy to get answers.
Nationwide
It's easy to navigate, the layout is eye-pleasing and easy to read. I can always find what I need
Progressive
I would recommend progressive for homeowners insurance because I think they have a good rate to offer. The company is well known and reputable and that makes me feel secure.
State Farm
Our premium and deductible are great for the insurance we have. I feel comfortable that I am getting the best deal.

Lancaster, TX Homeowners Insurance By Home Value

Lancaster, TX Home Value Total Homes % of Total Average Lancaster, TX Homeowners Insurance
Less than $50,000 682 7.0% $235
$50,000 to $59,999 359 4.0% $501
$60,000 to $69,999 512 5.0% $624
$70,000 to $79,999 519 5.0% $726
$80,000 to $89,999 798 9.0% $818
$90,000 to $99,999 1,115 12.0% $920
$100,000 to $124,999 2,009 22.0% $1063
$125,000 to $149,999 1,155 13.0% $1329
$150,000 to $174,999 999 11.0% $1575
$175,000 to $199,999 270 3.0% $1820
$200,000 to $249,999 175 1.0% $2189
$300,000 to $399,999 147 1.0% $3406

Top Home Insurance Agents Near Lancaster, TX

Home Insurance Company Near Lancaster, TX Homeowners Insurance Agency Near Lancaster, TX Address
State Farm Antwan Johnson 700 Alma Drive, Plano, TX, 75075-8807
Nationwide Dagley Insurance And Financial Services Inc 8000 Coit Rd STE 500, Plano, TX, 75025
Liberty Mutual Jake Wilker 1240 Keller Pkwy Suite 201, Keller, TX, 76248
State Farm Rick Smith 204 W Plsnt Run Rd, Desoto, TX, 75115-3912
Allstate Vgw Insurance Llp 4040 McDermott Rd Ste 200, Plano, TX, 75024

Lancaster, TX Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Lancaster, TX

Streets in Lancaster Area Homeowners Insurance Cost
Wild Honey Dr, Idlewild Ln, S State Ave, Marsalis Rd, Vecino Dr, Judge Dupree Dr, S Stewart Ave, Central Expy, Hst Town Sq, Boca Raton Way$1,004
Walnut Dr, Eagle River Trl, Nokomis Rd, Meadow Creek Ct, Glen Forest Ln, Green Meadows Rd, Fox Glen Cir, Stagecoach Cir, S Alba Rd, Mallory Ln$1,006
Cover Dr, Valley Cir, Oakdale St, Ransom Dr, Reynolds Rd, Augusta St, Park Circle Dr, Sweet Sue Ln, S Creekwood Dr, Glen Arbor Ct$1,027
Cheyenne Trl, Aldridge Dr, Abby Ln, San Jose Ave, Willowgrove St, Cottage Ln, Sumatra Dr, Baskin Dr, Bermuda Ave, Samcar Trl$1,032
Mojave Dr, Industrial St, Illinois Ave, Winning Color, Harvard Ln, S Austin St, Fern Glen Trl, Truman Cir, Crockett Dr, Stanford Dr$1,002
Gillarel Springs Ln, Loch Wood Dr, Firthway, Watermill Rd, Carol Ave, Sherwood Ave, Passage Way, W 1st St, Saint Charles Pl, Forest Pkwy$1,027
Cummings Ln, Ferguson Dr, Colgate Dr, Spelt Ln, S Denton St, Willowbrook St, Breneman St, Palma Pita St, Dogwood St, Grassy Ridge Trl$1,024
N Denton St, Glenview Dr, Melrose Ln, Shanna Dr, Hackberry St, W Hickman St, Pinwherry Ln, Bailey Dr, McKenzie Ln, Hot Springs Ct$999
Tioga Ct, Cedardale Rd, Finn Rd, Kissell, Altaire Ave, Ridgewood Ln, Oakbrook St, Oak Lawn Ln, 10 Mile Rd, Brantley Dr$1,001
S Ellis St, Criswell St, College St, Roan Dr, Cross Oaks Dr, Blue Moon Dr, Saint Croix Ave, Bonnywood Dr, Cherry Valley Blvd, Mayflowers Ln$1,032

Lancaster, TX Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Lancaster$153 to $155
Hutchins$150
DeSoto$156
Glenn Heights$154

Lancaster, 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
Hutchins city, Texas $125 $167 $250
DeSoto city, Texas $130 $173 $260
Wilmer city, Texas $126 $167 $251

Lancaster, 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
Lancaster, TX6.0%19.4%
Hutchins9.0%22.4%
DeSoto5.08%13.56%
Wilmer8.62%21.68%

Lancaster Renters Insurance as a Percentage of Rent

Lancaster Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 78 1.0% $354
$200 to $299 80 2.0% $804
$300 to $499 66 1.0% $1254
$500 to $749 930 23.0% $1929
$750 to $999 1,178 29.0% $2679
$1,000 to $1,499 1,146 28.0% $3804
$1,500 or more 498 12.0% $5454

Lancaster, TX Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,500$3,500
Yearly Lancaster Homeowner Insurance Premium Example $1,100$700
Out of Pocket Expense During Claim$1,500$3,500
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $9,200$8,400
Net Savings to Lancaster Home Owner from High Deductible Plan $800

Lancaster, TX Home Insurance Costs With Home Replacement Value Scenarios

Scenario Lancaster, TX Home Replacement Value MORE than Home Value Lancaster, TX Home Replacement Value LESS than Home Value
Replacement Value $89,500 $52,000
Insurance Premium based on Replacement Value $675 $400
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $17,000 Risk Exposure from Under Insuring Coverage is $20,500
Premium Impact Insurance cheaper by $150/year Insurance costlier by $125/year

Example Lancaster Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateChubb Group of InsuranceGEICO Insurance
Monthly Premium 90182212
Year Built 198919742008
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 4 Baths
Coverage Amount $150000-$175000$200000-$250000$350000-$400000
Deductible $500- $1000 Deductible$500- $1000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2011 175,000 Asphalt Shingles Roof 2,300 4 $2500-$5000 Deductible 90 1 Wood siding No
2011 215,000 Shingles Roof 3,000 4 > $10,000 Deductible 870 9 Vinyl siding yes
1974 225,000 Shingles Roof 3,780 5 $5000 to $10,000 Deductible 770 10 Vinyl siding yes
2006 115,000 Asphalt Shingles Roof 1,680 4 $500- $1000 Deductible 90 1 Wood siding yes
1991 145,000 Tile Roof 2,160 4 $2500-$5000 Deductible 280 4 Brick siding yes
2007 160,000 Slate Shingles Roof 2,120 3 $500 Deductible 1060 10 Wood siding yes
2013 135,000 Composition Roof 2,160 4 $2500-$5000 Deductible 430 7 Vinyl siding No
1982 375,000 Slate Shingles Roof 4,710 5 > $10,000 Deductible 1620 10 Fiber-Cement Siding yes
2003 140,000 Asphalt Shingles Roof 2,320 5 $500- $1000 Deductible 620 5 Fiber-Cement Siding yes
2007 105,000 Metal Roof 1,230 3 $500- $1000 Deductible 750 9 Brick siding yes
1989 140,000 Metal Roof 1,780 5 $2500-$5000 Deductible 640 10 Brick siding yes
2014 210,000 Asphalt Shingles Roof 2,900 4 $5000 to $10,000 Deductible 580 6 Wood siding No
2004 305,000 Asphalt Shingles Roof 4,210 5 $5000 to $10,000 Deductible 660 5 Wood siding No
2012 115,000 Membrane Roof 1,550 5 $1000-$2500 Deductible 890 12 Stucco siding No
2003 365,000 Wood Shake Roof 4,800 5 $500 Deductible 3240 9 Wood siding No
1983 165,000 Asphalt Shingles Roof 2,230 4 $500- $1000 Deductible 1300 12 Fiber-Cement Siding yes
2010 130,000 Wood Shake Roof 1,900 5 $2500-$5000 Deductible 600 9 Stone Siding No
2009 255,000 Metal Roof 3,050 4 > $10,000 Deductible 90 1 Vinyl siding No
2003 160,000 Slate Shingles Roof 2,050 3 $500- $1000 Deductible 820 7 Vinyl siding yes
2003 240,000 Shingles Roof 2,860 5 $2500-$5000 Deductible 250 2 Stucco siding yes
2005 255,000 Membrane Roof 3,470 5 $5000 to $10,000 Deductible 750 5 Wood siding yes
1985 105,000 Metal Roof 1,740 3 $2500-$5000 Deductible 430 6 Stucco siding No
1973 145,000 Metal Roof 2,240 3 $2500-$5000 Deductible 190 2 Fiber-Cement Siding No
2011 80,000 Composition Roof 1,220 3 $1000-$2500 Deductible 80 2 Brick siding No
2014 95,000 Shingles Roof 1,410 3 $1000-$2500 Deductible 490 6 Brick siding yes
1990 90,000 Tile Roof 1,220 3 $500 Deductible 740 12 Fiber-Cement Siding yes
2014 265,000 Metal Roof 3,330 4 $500- $1000 Deductible 2500 12 Vinyl siding yes
1993 105,000 Composition Roof 1,710 3 $500 Deductible 70 1 Wood siding No
1971 120,000 Slate Shingles Roof 1,790 3 $500 Deductible 540 8 Stone Siding yes
2001 110,000 Slate Shingles Roof 1,610 4 $500 Deductible 760 10 Vinyl siding No
1978 125,000 Tile Roof 2,110 3 $1000-$2500 Deductible 70 1 Stucco siding yes
1999 130,000 Slate Shingles Roof 2,000 3 $500- $1000 Deductible 920 9 Stone Siding yes
1999 115,000 Composition Roof 1,860 3 $500 Deductible 840 12 Wood siding No
1998 155,000 Membrane Roof 2,310 4 $1000-$2500 Deductible 160 2 Vinyl siding yes

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