Laredo Insurance Rates:

Laredo ,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 Laredo, 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 Laredo, TX is $2016. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Home Insurance Companies in Laredo, TX: Customer-Reviewed Options


Laredo, TX Homeowners Insurance Rates by Coverage Level

It is important to understand the different coverage options available in Laredo, TX. VHome Insurance will help you navigate the world of homeowners insurance coverages in Laredo, TX.

Coverage Level Average Annual Premium
$100,000 $806
$200,000 $1,371
$300,000 $1,693
$400,000 $2,580
$500,000 $3,246


Laredo, TX Homeowners Insurance Rates by ZIP Code

Home insurance costs in Laredo can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.

Zipcode Average Insurance Premium
078046 $2,645
78040 $2,613
78045 $2,754
78041 $2,728


Laredo, TX Homeowners Insurance Deductibles

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 Laredo, TX, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $2,067
$1000 Deductible $1,849
$1500 Deductible $1,744
$2500 Deductible $1,572
$5000 Deductible $1,331



Top Home Insurance Agents Near Laredo, TX

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

Laredo, TX Home Insurance Agents for Top Companies


Laredo, 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
Tanquecitos South Acres II CDP, Texas $120 $160 $240
Tanquecitos South Acres CDP, Texas $122 $163 $244
San Carlos I CDP, Texas $123 $163 $245


Laredo, 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
Laredo, TX6.3%18.6%
Rio Bravo8.63%23.17%
El Cenizo11.33%28.98%
Webb County6.37%19.44%

Laredo Renters Insurance as a Percentage of Rent

Laredo Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 410 1.0% $353
$200 to $299 827 3.0% $803
$300 to $499 2,650 11.0% $1253
$500 to $749 7,625 34.0% $1928
$750 to $999 6,617 29.0% $2678
$1,000 to $1,499 3,567 16.0% $3803
$1,500 or more 582 2.0% $5453

Laredo, TX Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Laredo Homeowner Insurance Premium Example $1,500$1,000
Out of Pocket Expense During Claim$700$2,700
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $9,700$8,700
Net Savings to Laredo Home Owner from High Deductible Plan $1,000


Laredo, TX Home Insurance Costs With Home Replacement Value Scenarios

Scenario Laredo, TX Home Replacement Value MORE than Home Value Laredo, TX Home Replacement Value LESS than Home Value
Replacement Value $86,500 $56,000
Insurance Premium based on Replacement Value $850 $550
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $20,000 Risk Exposure from Under Insuring Coverage is $10,500
Premium Impact Insurance cheaper by $125/year Insurance costlier by $175/year


Example Laredo Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceChubb Group of InsuranceGEICO Insurance
Monthly Premium 78118124
Year Built 198120011990
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 1 Baths
Coverage Amount $150000-$175000$175000-$200000$250000-$300000
Deductible $5000 to $10,000 Deductible$500 Deductible$5000 to $10,000 Deductible