Laredo, TX Home Insurance - Analysis On Quotes, Rates & Agents

Laredo, TX Insurance Rates:

vHome Insurance undertook a detailed analysis of the cost of insurance in different cities of the country. This analysis helped in narrowing down the list of the top home insurance providers in Laredo, TX. The average cost of insurance in Laredo, TX is $1597. The following analysis stresses the importance of comparing multiple quotes. Enter your Zip Code in the banner below to get instant home insurance quotes.

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Average Home Insurance Premium in Laredo, TX

National Average Premium State Average Premium Laredo Average Premium
$1,438 $1,709 $1,597

Top Home Insurance Companies in Laredo, TX | Back to Top

The following is a list of home insurance companies that provide the best home insurance quotes in Laredo, TX.

Company Name Coverage $70,000 Coverage $150,000 Coverage $200,000 Coverage $350,000
Liberty Mutual $2,667 $3,397 $3,710 $4,711
Chubb $1,132 $2,459 $3,532 $3,939
National Specialty Insurance Company $711 $1,074 $1,404 $2,344
Encompass Insurance $2,914 $3,642 $4,877 $6,201

Laredo, TX Homeowners Insurance for Different Coverages | Back to Top

Coverage Type Home Insurance Cost($)
$100,000 To $124,999 1,549.52
$150,000 To $174,999 1,888.17
$175,000 To $199,999 2,305.81
$200,000 To $249,999 2,532.72
$250,000 To $299,999 3,923.11
$300,000 To $399,999 5,650.08
$400,000 To $499,999 6,511.2
$500,000 To $749,999 8,334.34
$750,000 To $999,999 9,636.58
$1000,000 To $1499,999 10,613.26
$1500,000 To $2000,000 11,394.61

Visual Guide for Laredo, TX Home Insurance Buyers on Insurance Companies and Rates

Top Home Insurance Agents Near Laredo, TX | Back to Top

Home Insurance Company Near Laredo, TX Homeowners Insurance Agency Near Laredo, TX Address
State Farm Anabella Herbig 315 Calle Del Norte, Laredo, TX, 78041-2662
Travelers Cavazos Insurance Agency 2107 SAN BERNARDO AVE, LAREDO, TX, 78040
Travelers George Royle Wright 2212 SEYMOUR AVE, LAREDO, TX, 78040
Allstate Marcus Moreno 709 E Calton Rd Ste 106, Laredo, TX, 78041
Allstate Raul R. Martinez Jr 3802 Hwy 359 Ste 5, Laredo, TX, 78043

List of Laredo, TX Home Insurance Agents by Companies


Laredo, TX Homeowners Insurance Rates Based on Claims Filed | Back to Top

A discount of $207.61 on the home insurance premium is offered to Laredo, TX homeowners who have no previous history of claims filed, Laredo, TX homeowners with one claim have to file an additional home insurance rate of $80, while Laredo, TX homeowners with 2 claims have to pay $208 more for their home insurance premium.

Type of Claim Homeowners Insurance Cost Increase/Decrease($) Homeowners Insurance Cost($)
No Claim Discount -208 1,389
One Claim +80 1,677
Two Claim +208 1,805


Laredo, TX Homeowners Insurance by Zip Code | Back to Top

Zip Code Median Home Value($) Home Insurance Cost($)
78046 88,800 1,517
78040 70,000 1,619
78045 153,100 1,509
78041 124,800 1,485

Factors Affecting Home Insurance Premiums in Laredo, TX

Laredo, TX homeowners pay an average home insurance premium of $1597. Homeowners in Laredo, TX can lower their home insurance premiums by considering various factors. vHomeInsurance lists the factors that could help homeowners reduce their home insurance premiums.

Laredo, TX Home Insurance Premium Based on the Number of Bedrooms | Back to Top

Bedroom Size Average Homeowners Insurance Cost($)
2 Bedroom 1,478
3 Bedroom 1,583
4 Bedroom 2,428
5 Bedroom 4,749

Laredo, TX Home Insurance Premiums for Different Deductibles | Back to Top

Laredo, TX Homeowners with a deductible of $500 pay a higher amount for home insurance, while Laredo, TX homeowners who pay a deductible of $2500 pay a lower amount on their home insurance, as seen in the table below.

Deductible Type Average Homeowners Insurance Cost($)
$500 Deductible 1,578
$1000 Deductible 1,427
$1500 Deductible 1,344
$2000 Deductible 1,220
$2500 Deductible 1,147

Laredo, TX Homeowners Insurance Premium Based on the Age of the Home | Back to Top

Homeowners in Laredo, TX pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.

Home Age Homeowners Insurance Cost($)
Newly Constructed Home 1,166
Year 30 Old 1,621
Year 40 Old 1,639
Year 50 Old 1,658
Above Year 50 1,674

Laredo, TX Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top

Construction Type Home Insurance Cost Savings($) Home Insurance Cost($)
Fire Resistive 192 1,405
Masonry 80 1,517
Brick 80 1,517
Superior 144 1,453
Hail Resistant Roof 32 1,565

Top Saving Tips on Laredo, TX Homeowners Insurance | Back to Top

Laredo, TX Homeowners can earn discounts on homeowners insurance based on the construction type of their home. Homes that are built using damage-resistant materials are considered a safe bet for home insurance companies. Laredo, TX Homeowners can also choose to bundle their home and auto insurance policies to further reduce their home insurance premium. Apart from this, senior citizens also receive substantial discounts from home insurance companies. Homes equipped with home security devices are less prone to burglaries. As a result, Laredo, TX homeowners receive attractive discounts from home insurance companies.

The tables below contain the complete list of discounts that Laredo, TX homeowners can take advantage of to increase their savings.

Laredo, TX Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts

Discount Type Home Insurance Cost Savings($) Home Insurance Cost($)
Bundle Discount 271 1,326
Retiree Discount (Senior Citizen Discount) 224 1,821
Newly Constructed Home 431 1,166

Laredo, TX Home Insurance Discounts for Home Safety Devices | Back to Top

Home Safety Devices Home Insurance Cost Savings($) Home Insurance Cost($)
Deadbolts 128 1,469
Fire Extinguishers 176 1,421
Smoke Detectors 224 1,373
Sprinkler System 192 1,405
Fire Alarm 80 1,517
Burglar Alarm 144 1,453
Lightning Protection 48 1,549

Latest Home Insurance Reviews

Geico
I would recommend Geico. Every interaction has been easy and professional.The staff at Geico is well trained and will stay on the phone with you until all your questions and concerns are addressed.
State Farm
No issues with State Farm. They answer right away when I call with questions, they have been attentive when I've filed claims.
Progressive
Progressive's home insurance policy offerings are great when I compare them to other insurance providers. Progressive gives me the coverage I need for a price that is affordable.
Geico
They offer us a lower price than other companies right now. We will probably switch very soon if they raise their prices.
Liberty Mutual
Overall I would recommend Liberty Mutual. Their customer service is good, response time for a claim is very efficient and cost is comparable to most on the market.
State Farm
I would definitely recommend my insurance and my agent to any one who is searching for home insurance. I believe that they offer a good value and exceptional customer service.
Liberty Mutual
I compared them to other companies before I switched to Liberty Mutual. They beat everybody else's rates, often by quite a bit of money.
State Farm
My premium and deductible are lower than the other insurance companies in my area. I was quoted a price and my price has not gone up in a few years.
State Farm
I really like this company because it helps a lot and very dedicated to what it does and what it does
State Farm
Pretty sure our premium is right in line with what others would be paying for the equivalent coverage / type of home. No complaints at all and I don't think they're outrageous or anything.
State Farm
I would totally recommend State Farm. They are a great company with good customer service, value and coverages. I have been totally satisfied with all of my dealings with them for many years.
Esurance
The process was very painless and made it easy to complete the switch from farmers who i had previously
Allstate
Person to person (phone or service center) is usually very slow. can get tedious when stuck waiting for help.
Allstate
Our representative is very knowledgeable about our house and all of our needs, he is amazing at getting back to us in a timely manner!
State Farm
The customer service with my insurance company has been excellent. On the few occasions that I have had a problem, they have been quick to respond and they really listen and care.
Blue Cross Blue Shield
We have never had a bad customer service experience with this insurance carrier before, and i think that shows well how the company runs.
Nationwide
The entire insurance industry takes your money and you get nothing for it unless something bad happens. This company has good rates but does not offer anything in the way of a discount if you do not have claims for so many years. While I am not ready to leave them over it, I would change insurers in a heartbeat if I could get a better deal with one of these discounts.
State Farm
The premium I pay is significantly lower than what I was previously paying. My understanding is that this insurance company targets older people with no kids in the home. This insurance company has an A+ rating with the state of Indiana yet it is not a big name insurance company thereby offering much lower rates for the same exact coverage.
State Farm
The company is easy to do business, provides a wide range of need, and is flexible. Also affordable for the coverage they provide.
State Farm
It allows me to access my premium and policy information with a minimum of fuss and bother. It works well with my smartphone's small screen, unlike some other apps I've used.
Progressive
I have not found anything to dislike about them yet. They had to redo my policy at the beginning which was maybe slightly annoying but really had no negative impact on me besides having to click a few buttons a 2nd time.
Esurance
They are bad at communication, and they must educate their staff about their policies and loopholes to help their customer and even keep their client for the long run
Travelers
I would love to be able to have higher coverage than what they allowed. I understand that they cannot give coverage on an amount that is over what they have assessed the property to be, but it would just make for better peace of mind.
Allstate
I would not recommend any insurance to any person. They are all the same. They lie and are only out to take as much money from you as possible to line their pockets.
State Farm
I would definitely recommend our insurance company to others compared to other insurance companies. Angela is helpful and kind and corteous and we really love doing business with her.
Liberty Mutual
I am very happy. My experiences have all been positive. Customer support is excellent. The website is easy to use. I am happy with my premium. All things point to this being a company that I can trust and will use in the future.
Farmer's Insurance
I am happy with the coverage of our home insurance policy.I have not reviewed coverage in several years which I should do to make sure we are getting the most for our money.
State Farm
Overall, State Farm has been a great insurance company for me - they're courteous, they're professional, and they take great care of me.
Farmer's Insurance
I feel like I can trust them. This company has proven themselves over and over again. They have been in business for over 75 years, and have built a great reputation.
Progressive
I would recommend this company for home insurance because they have a Quality Protection from a Company that will be here when I need them.