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

Lubbock, 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 Lubbock, TX. The average cost of insurance in Lubbock, TX is $1619. 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 Lubbock, TX

National Average Premium State Average Premium Lubbock Average Premium
$1,438 $1,709 $1,619

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

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

Company Name Coverage $70,000 Coverage $150,000 Coverage $200,000 Coverage $350,000
Amica Mutual $1,130 $1,440 $1,834 $3,070
Encompass Insurance $2,305 $2,777 $3,819 $5,087
National Specialty Insurance Company $426 $725 $922 $1,416
Amica Mutual $1,242 $1,508 $1,910 $3,046
American Bankers Insurance Company Of Florida $1,129 $2,011 $2,612 $3,984

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

Coverage Type Home Insurance Cost($)
$100,000 To $124,999 1,082.37
$150,000 To $174,999 1,695.9
$175,000 To $199,999 2,224.38
$200,000 To $249,999 2,723.92
$250,000 To $299,999 3,774.98
$300,000 To $399,999 5,251.15
$400,000 To $499,999 6,320.94
$500,000 To $749,999 8,090.81
$750,000 To $999,999 9,355
$1000,000 To $1499,999 10,303.14
$1500,000 To $2000,000 11,061.65

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

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

Home Insurance Company Near Lubbock, TX Homeowners Insurance Agency Near Lubbock, TX Address
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

List of Lubbock, TX Home Insurance Agents by Companies


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

A discount of $226.66 on the home insurance premium is offered to Lubbock, TX homeowners who have no previous history of claims filed, Lubbock, TX homeowners with one claim have to file an additional home insurance rate of $130, while Lubbock, TX homeowners with 2 claims have to pay $210 more for their home insurance premium.

Type of Claim Homeowners Insurance Cost Increase/Decrease($) Homeowners Insurance Cost($)
No Claim Discount -227 1,392
One Claim +130 1,749
Two Claim +210 1,829


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

Zip Code Median Home Value($) Home Insurance Cost($)
79407 94,200 1,642
79414 87,800 1,638
79401 76,900 1,538
79412 75,400 1,642
79404 57,800 1,506
79415 56,800 1,642
79411 49,200 1,638
79403 48,800 1,642
79424 169,200 1,638
79423 119,400 1,538
79413 115,000 1,538
79410 112,300 1,640
79416 111,600 1,570

Factors Affecting Home Insurance Premiums in Lubbock, TX

Lubbock, TX homeowners pay an average home insurance premium of $1619. Homeowners in Lubbock, TX can lower their home insurance premiums by considering various factors. vHomeInsurance lists the factors that could help homeowners reduce their home insurance premiums.

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

Bedroom Size Average Homeowners Insurance Cost($)
2 Bedroom 1,473
3 Bedroom 1,578
4 Bedroom 2,420
5 Bedroom 4,735

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

Lubbock, TX Homeowners with a deductible of $500 pay a higher amount for home insurance, while Lubbock, 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 1,600
$1000 Deductible 1,447
$1500 Deductible 1,362
$2000 Deductible 1,237
$2500 Deductible 1,162

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

Homeowners in Lubbock, 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 1,198
Year 30 Old 1,643
Year 40 Old 1,661
Year 50 Old 1,681
Above Year 50 1,697

Lubbock, 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 162 1,457
Masonry 81 1,538
Brick 81 1,538
Superior 146 1,473
Hail Resistant Roof 32 1,587

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

Lubbock, 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. Lubbock, 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, Lubbock, TX homeowners receive attractive discounts from home insurance companies.

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

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

Discount Type Home Insurance Cost Savings($) Home Insurance Cost($)
Bundle Discount 227 1,392
Retiree Discount (Senior Citizen Discount) 227 1,846
Newly Constructed Home 421 1,198

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

Home Safety Devices Home Insurance Cost Savings($) Home Insurance Cost($)
Deadbolts 194 1,425
Fire Extinguishers 113 1,506
Smoke Detectors 194 1,425
Sprinkler System 146 1,473
Fire Alarm 146 1,473
Burglar Alarm 146 1,473
Lightning Protection 32 1,587

Latest Home Insurance Reviews

Farmer's Insurance
I would recommend listing all the points a favor I find its customer service and the offers of policies that it offers incredible, just as my family has always been in this service for some time.
Allstate
Allstate offers a variety of policies that should cover virtually any situation. They have at least as much to offer as any of the competition.
Erenterplan
I don't like the fact that i don't get email alerts or regular updates about it.
Travelers
I would recommend this company because they are friendly and knowledgeable and you often don't even need to call them; I generally call my agent and he takes care of most of my needs.
State Farm
They are generally less costly than others in the area. The deductible is slightly higher but the monthly cost outweighs the downside of that too makes it worth it.
Allstate
I would recommend them because they have provided the service with limited headache. I would say that they were a little bit wishy-washy when it came to giving me an accurate quote, which was quite frustrating.
Progressive
Progressive provides the most common policy offerings, however, adding earthquake coverage is considerably more expensive with Progressive than with other companies.
State Farm
I would completly recommend state farm insurance company for home insurance. For one they are great with their customers. They help people find exactly ehat they need and want. They are very easy going and work with you if you ever have an issue.
Travelers
The premium and deductible are as good as or better than other companies. The deductible, I believe, is as cheap as other companies and the premium is the lowest my agent has been able to find.
State Farm
The offerings of my home insurer seem to be adequate for our situation and I have only once sought out a competitor. The other insurance provider quoted a rate that was unacceptably high.
State Farm
I enjoy my insurance company, I haven't really had much experience with them.I have had the insurance for about 6 months now and I have not had a reason to call in or complain. My rates are reasonable and the customer support is very friendly.
Liberty Mutual
The ease of use with this company is awesome. i do most of my renewals and bill paying online. their online system is extremely user-friendly and easy to use.
Liberty Mutual
Liberty mutual offers an extensive line of discounts to policy holders. they have a great line of associations that will decrease your policy too.
State Farm
We did not shop for quotes since my husband likes State farm. I have done some research and would be interested in Geico is ever a chance to switch. They had better rates and we're competitive in their pricing.
Safeco Insurance
Safeco provides comprehensive coverage for my home, not just the fire and casualty, but also earthquake and flood insurance. This is why I like them.
Geico
I like how simple it is. I don't need to worry if a certain kind of issue is covered. Everything is known and explained in native English. I like how easy the auto pay is and how reasonable the payments are. It's hard to find a reason to switch
State Farm
Very easy to contact based on being open 24 hours a day I can call so it’s very easy to communicate with them.
State Farm
I like the fact that the company takes time to listen to concerns and goes thru the policy details helping me understand things I didn't get at first and that my family recommended them for their awesome customer service
State Farm
The company has always been fair and has always worked with us if we have any issues with payment. Unlike some companies that cancel right away.
Progressive
I didnt like how they raised the fees to the loan with out telling me saying its part of the terms of the loan and I didn't like them at all.
State Farm
Nothing to dislike at all, I am very happy with my insurance company and with my policy. I have no real complaints to make about them at this moment.
Allstate
Whenever I need to review my policy or pay my bill, I can easily login to the website and find the information needed. It separates out each policy type and shows when payments are due. My agent info is easily accessible. I can also download my car insurance card with ease.
State Farm
I think overall they are just ok. you pay for insurance but they do not like to pay out when you need to file a claim and I feel that is wrong
Rvos Insurance
I dislike that the individuals who work there are unprofessional, they do not provide requested information and they are not timely with their ability to communicate with their customers.
Farmer's Insurance
I don't have any negative experience with Farmers with regards to my home insurance,
Allstate
They have always had good customer service. I have never had a problem at all.
Alfa Insurance
I really can't think of anything I dislike. I have had a good experience with the company and I would recommend them to anyone. Please see other written responses as I feel I am repeating.
State Farm
Overall, I dislike that they only seem to succumb to the world's need itself instead of verbally fighting (with words). Other than that I think I can see them wanting to change with that Jake from State Farm thing.
Allstate
Cant really say anything bad about all state. They have always treated me very well and have never did me wrong on any thing.