Lubbock Insurance Rates:

Lubbock ,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 Lubbock, 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 Lubbock, TX is $2032. Enter your zipcode below and click “GO” to get multiple free quotes.

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


Lubbock, TX Homeowners Insurance Rates by Coverage Level

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

Coverage Level Average Annual Premium
$100,000 $813
$200,000 $1,382
$300,000 $1,707
$400,000 $2,601
$500,000 $3,272


Lubbock, TX Homeowners Insurance Rates by ZIP Code

Home insurance costs in Lubbock 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
079407 $2,696
79414 $2,660
79401 $2,641
79412 $2,614
79404 $2,585
79415 $2,591
79411 $2,638
79403 $2,588
79424 $2,807
79423 $2,735
79413 $2,720
79410 $2,712
79416 $2,711


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

Deductible Level Average Annual Premium
$500 Deductible $2,083
$1000 Deductible $1,863
$1500 Deductible $1,758
$2500 Deductible $1,585
$5000 Deductible $1,341



Top Home Insurance Agents Near Lubbock, TX

Home Insurance Company Near Lubbock, TX Homeowners Insurance Agency Near Lubbock, TX Address
NA Upshaw Insurance Agency Inc 2321 50Th Street Ste K, Lubbock, TX, 79412
Allstate Alan Newton Insurance Agency Inc. 128 E Waylon Jennings Blvd, Littlefield, TX, 79339
Travelers Ashmore & Associates Insurance Agency Llc 6102 82ND STREET #6, LUBBOCK, TX, 79424
Farmers Daniel Enabnit 8605 Milwaukee Ave Ste 101, Lubbock, TX, 79424
Travelers J & K Insurance Agency Inc 119 W COLLEGE, LOCKNEY, TX, 79241

Lubbock, TX Home Insurance Agents for Top Companies


Lubbock, 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
Lubbock County, Texas $128 $171 $256
Wolfforth city, Texas $130 $173 $260
New Deal town, Texas $125 $167 $250


Lubbock, 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
Lubbock, TX7.2%19.5%
Lubbock County7.23%19.84%
New Deal8.85%21.69%

Lubbock Renters Insurance as a Percentage of Rent

Lubbock Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 484 1.0% $353
$200 to $299 663 1.0% $803
$300 to $499 3,830 9.0% $1253
$500 to $749 13,299 34.0% $1928
$750 to $999 10,070 26.0% $2678
$1,000 to $1,499 7,655 19.0% $3803
$1,500 or more 2,443 6.0% $5453

Cost Of Homeowners Insurance By Street Near Lubbock, TX

Streets in Lubbock Area Homeowners Insurance Cost
Ash Ave, 88th Dr, FM 2255, Yuma Ave, C R 1540, Date Ave, E Co Rd 7700, Co Rd 5830, Cr 1835, 153rd St$1,054
E 13th St, Ecr 6200, Sycamore Park, Elder Ave, Uxbridge Ave, Co Rd 2400, FM 597, Mlk Jr Blvd, C R 7635, Co Rd 1950$1,001
107th Dr, E Bates St, 91st Ln, Rochester Ave, Troy Ave, C R 1435, Marlboro St, C R 5830, N Clinton Ave, C R 7300$1,011
Bonanzo, Vardo Ln, 87th Pl, Co Rd 6420, N Ave N, C R 7730, Lynnhaven Ave, Greek Cir, C R 2000, Clovis State Rte$989
Whisperwood Cir, Hwy 179, 140th St, 146th St, E 17th St, Norwich Ave, 88th Pl, Barry Ln, N Co Rd 2300, County Rd$999
Clinton Ave, War Hwy, E 88th St, Co Rd 7650, FM 2192-C R 2730, E 18th St, Everett Ave, E Newcomb St, Urbana Ave, Kirby Ave$1,023
Trotter Rd, N Ithaca Ave, N Oak Ave, S Ave E, Texas Frd, E 3rd Pl, Co Rd 7600, Prentiss Ave, Vanda Ave, Mc Guire St$996
Vega Ln, FM 2378-C R 1000, E Co Rd 7270, E FM 41-E C R 7800, Co Rd 6450, Co Rd 7100, 93rd Dr, Co Rd 6960, 106th St, Trenton Ave$1,045
Co Rd 1250, Cantebury Ave, Wells St S, Co Rd 7475, Woodrow Rd, Hoover Dr, Gannon St, E 17th St, Joel Ln, N Ash Ave$996
N Canton Ave, Co Rd 5100, Primrose Ave, N King Ave, E 24th St, Co Rd 2110, 108th Dr, Cherry Ave, C R 2110, Co Rd 7365$1,007

Lubbock, TX Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Lubbock$153 to $155
Lubbock County$153
New Deal$150

Lubbock, TX Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Lubbock Homeowner Insurance Premium Example $1,200$700
Out of Pocket Expense During Claim$900$3,900
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $9,300$8,800
Net Savings to Lubbock Home Owner from High Deductible Plan $500


Lubbock, TX Home Insurance Costs With Home Replacement Value Scenarios

Scenario Lubbock, TX Home Replacement Value MORE than Home Value Lubbock, TX Home Replacement Value LESS than Home Value
Replacement Value $101,000 $74,500
Insurance Premium based on Replacement Value $725 $550
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $17,500 Risk Exposure from Under Insuring Coverage is $9,000
Premium Impact Insurance cheaper by $50/year Insurance costlier by $125/year


Example Lubbock Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceUSAA groupFarmers Insurance
Monthly Premium 57161185
Year Built 197319981986
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 1 Baths
Coverage Amount $75000-$100000$200000-$250000$200000-$250000
Deductible $1000-$2500 Deductible$500 Deductible$500 Deductible