Lubbock Insurance Rates:

Lubbock, TX homeowners insurance is roughly $871 to $1,179, about $72-$98/month. Our complete analysis indicates shoppers can save as much as $410 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

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.
Homeowner's Choice Property And Casualty
The adjuster, who works for this company, cannot come out to my house until the middle of october. we currently have an enormous oak tree that was lying on our roof, which we were able to move, but it's still on the ground and we do not have the ability to move it. i guess they will get around to helping us with this problem later. but for the $3000 a year, you'd think they would be more responsive.
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.

Lubbock, TX Homeowners Insurance By Home Value

Lubbock, TX Home Value Total Homes % of Total Average Lubbock, TX Homeowners Insurance
Less than $50,000 8,119 14.0% $225
$50,000 to $59,999 2,015 3.0% $492
$60,000 to $69,999 3,391 6.0% $604
$70,000 to $79,999 3,576 6.0% $697
$80,000 to $89,999 3,772 6.0% $789
$90,000 to $99,999 4,177 7.0% $881
$100,000 to $124,999 8,648 15.0% $1025
$125,000 to $149,999 5,824 10.0% $1281
$150,000 to $174,999 4,567 8.0% $1517
$175,000 to $199,999 2,677 4.0% $1752
$200,000 to $249,999 3,185 5.0% $2111
$250,000 to $299,999 2,182 4.0% $2583
$300,000 to $399,999 2,338 4.0% $3280

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

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
Wolfforth$156
New Deal$150

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%
Wolfforth5.92%21.6%
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

Lubbock, TX Homeowners Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
79407 $94,200 $1,020
79414 $87,800 $1,020
79401 $76,900 $1,010
79412 $75,400 $1,010
79404 $57,800 $1,000
79415 $56,800 $1,000
79411 $49,200 $1,000
79403 $48,800 $1,000
79424 $169,200 $1,070
79423 $119,400 $1,040
79413 $115,000 $1,040
79410 $112,300 $1,030
79416 $111,600 $1,040

Lubbock, TX Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$3,900
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

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2013 85,000 Shingles Roof 1,290 3 $500- $1000 Deductible 670 10 Brick siding No
2005 60,000 Tile Roof 940 2 $500- $1000 Deductible 250 6 Brick siding No
2001 110,000 Slate Shingles Roof 1,800 4 $2500-$5000 Deductible 1140 12 Fiber-Cement Siding No
1992 100,000 Shingles Roof 1,210 3 $1000-$2500 Deductible 140 2 Stone Siding No
1970 185,000 Tile Roof 2,920 4 $2500-$5000 Deductible 410 3 Fiber-Cement Siding No
1962 160,000 Composition Roof 2,740 4 $500 Deductible 440 3 Brick siding No
1961 100,000 Wood Shake Roof 1,180 2 $1000-$2500 Deductible 680 12 Fiber-Cement Siding No
1975 160,000 Asphalt Shingles Roof 2,040 4 $500 Deductible 440 3 Wood siding No
1954 65,000 Shingles Roof 2,050 3 $5000 to $10,000 Deductible 320 4 Stucco siding No