Lone Oak Insurance Rates:

Lone Oak, TX homeowners insurance is approximately $862 to $1,186, about $71-$98/month. Our complete analysis shows customers can save upto $409 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Lone Oak, TX Homeowners Insurance By Home Value

Lone Oak, TX Home Value Total Homes % of Total Average Lone Oak, TX Homeowners Insurance
Less than $50,000 324 18.0% $235
$50,000 to $59,999 109 6.0% $491
$60,000 to $69,999 79 4.0% $614
$70,000 to $79,999 87 5.0% $706
$80,000 to $89,999 172 9.0% $808
$90,000 to $99,999 43 2.0% $901
$100,000 to $124,999 214 12.0% $1044
$125,000 to $149,999 135 7.0% $1300
$150,000 to $174,999 156 9.0% $1546
$175,000 to $199,999 161 9.0% $1781
$200,000 to $249,999 110 6.0% $2140
$250,000 to $299,999 87 5.0% $2621
$300,000 to $399,999 52 3.0% $3328

Top Home Insurance Agents Near Lone Oak, TX

Home Insurance Company Near Lone Oak, TX Homeowners Insurance Agency Near Lone Oak, TX Address
Travelers Dyer Insurance Agency Inc 1018 RIDGE RD, ROCKWALL, TX, 75087
Farmers Harry Clifford Iii 201 N Green St, Grand Saline, TX, 75140
State Farm Imelda Banda 8786 Ferguson Rd Ste 130, Dallas, TX, 75228-7944
Allstate Jake Tedesco 2831 W Parker Rd Ste 2, Plano, TX, 75023
Farmers Ralph Brownell 2306 Guthrie Rd Ste 260h, Garland, TX, 75043

Cost Of Homeowners Insurance By Street Near Lone Oak, TX

Streets in Lone Oak Area Homeowners Insurance Cost
Co Rd 3128, Mary, Jones St, FM Road 499, Pvt Rd 3422, Elm St, Pvt Rd 3429, Co Rd 4112, Lakeview Cir, Lone Oak$1,015
Co Rd 3411, Co Rd 3403, Co Rd 4315, Saint John St, Co Rd 3226, Brook Hollow, S Beasley, Birch, Franklin, Longview Ln$1,016
FM 2736, Shoreline Dr, Mud Rd, Co Rd 4121, Co Rd 3108, Old State Hwy 42, St Park Rd 55, Country Pl, I- 30 Frontage Rd, Co Rd 4125$1,023
Windsor St, Shore Vw, Lincoln St, Co Rd 4215, FM 2649, Co Rd 3106, Co Rd 3406, Co Rd 3413, Co Rd 3117, Cr 4202$1,018
S FM 513, FM 1568, Co Rd 3416, Katy St, Co Rd 3412, FM 513, Cherry Ln, Co Rd 3132, Fir, Scenic Cir$1,032

Lone Oak, TX Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Lone Oak$152 to $155
Campbell$150
Cumby$152
Neylandville$151

Lone Oak, 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
Campbell city, Texas $126 $167 $251
Cumby CCD, Hopkins County, Texas $127 $169 $253
Hunt County, Texas $127 $169 $254

Lone Oak, 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
Lone Oak, TX6.5%18.3%
Campbell10.04%21.33%
Cumby7.19%21.52%
Hunt County7.05%19.62%

Lone Oak Renters Insurance as a Percentage of Rent

Lone Oak Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 8 3.0% $803
$300 to $499 18 6.0% $1253
$500 to $749 43 16.0% $1928
$750 to $999 88 33.0% $2678
$1,000 to $1,499 106 40.0% $3803

Lone Oak, TX Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,900$2,900
Yearly Lone Oak Homeowner Insurance Premium Example $1,700$1,200
Out of Pocket Expense During Claim$1,900$2,900
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $10,400$8,900
Net Savings to Lone Oak Home Owner from High Deductible Plan $1,500

Lone Oak, TX Home Insurance Costs With Home Replacement Value Scenarios

Scenario Lone Oak, TX Home Replacement Value MORE than Home Value Lone Oak, TX Home Replacement Value LESS than Home Value
Replacement Value $134,500 $81,500
Insurance Premium based on Replacement Value $1,275 $775
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $26,000 Risk Exposure from Under Insuring Coverage is $27,000
Premium Impact Insurance cheaper by $275/year Insurance costlier by $225/year

Example Lone Oak Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualTravelersFarmers Insurance
Monthly Premium 74112146
Year Built 197019822011
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 4 Baths
Coverage Amount $100000-$125000$125000-$150000$200000-$250000
Deductible $2500-$5000 Deductible$500- $1000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1977 270,000 Slate Shingles Roof 3,300 4 $1000-$2500 Deductible 1390 9 Fiber-Cement Siding yes
2014 120,000 Membrane Roof 1,370 3 $500 Deductible 410 5 Stucco siding No
1988 190,000 Membrane Roof 2,480 4 $1000-$2500 Deductible 100 1 Fiber-Cement Siding No
2012 150,000 Composition Roof 2,110 3 $5000 to $10,000 Deductible 460 6 Vinyl siding No
1997 110,000 Metal Roof 1,380 3 $500 Deductible 200 2 Stone Siding yes
2013 195,000 Asphalt Shingles Roof 3,310 5 $1000-$2500 Deductible 1010 8 Wood siding yes
2007 115,000 Slate Shingles Roof 1,700 3 $2500-$5000 Deductible 620 10 Stone Siding No
1985 170,000 Tile Roof 2,390 3 $2500-$5000 Deductible 80 1 Vinyl siding yes
1971 290,000 Shingles Roof 3,780 5 $500- $1000 Deductible 620 3 Wood siding No
2003 110,000 Wood Shake Roof 1,680 4 $1000-$2500 Deductible 460 7 Brick siding No
2000 150,000 Composition Roof 1,810 3 $500 Deductible 340 3 Fiber-Cement Siding No
1982 290,000 Asphalt Shingles Roof 4,520 5 $5000 to $10,000 Deductible 120 1 Fiber-Cement Siding No
2006 290,000 Shingles Roof 3,780 5 $500- $1000 Deductible 1620 10 Wood siding No