Luling Insurance Rates:

Luling, TX homeowners insurance is roughly $856 to $1,175, about $71-$97/month. Our in depth guide shows customers can save as much as $406 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Luling, TX Homeowners Insurance By Home Value

Luling, TX Home Value Total Homes % of Total Average Luling, TX Homeowners Insurance
Less than $50,000 285 13.0% $274
$50,000 to $59,999 115 5.0% $568
$60,000 to $69,999 207 9.0% $710
$70,000 to $79,999 199 9.0% $822
$80,000 to $89,999 244 11.0% $933
$90,000 to $99,999 69 3.0% $1035
$100,000 to $124,999 357 17.0% $1207
$125,000 to $149,999 181 8.0% $1502
$150,000 to $174,999 132 6.0% $1786
$175,000 to $199,999 101 4.0% $2060
$200,000 to $249,999 50 2.0% $2476
$250,000 to $299,999 100 4.0% $3024
$300,000 to $399,999 43 2.0% $3846

Top Home Insurance Agents Near Luling, TX

Home Insurance Company Near Luling, TX Homeowners Insurance Agency Near Luling, TX Address
Farmers Constantin Ispas 1016 La Posada Dr Ste 291, Austin, TX, 78752
Farmers Gary Smith 118 S Commerce St, Lockhart, TX, 78644
Farmers Ron Hejtmanek 1825 FORTVIEW RD STE 115, Austin, TX, 78704
Farmers Ted Miska 410 Harvey St, San Marcos, TX, 78666
Travelers Timmons Insurance Agency 1310 Rr 620 S., Ste. A11 , Lakeway, TX, 78734

Cost Of Homeowners Insurance By Street Near Luling, TX

Streets in Luling Area Homeowners Insurance Cost
Co Rd 155, Co Rd 150, S Hwy 183, Willow Ave, Sycamore St, Co Rd 134, W Pierce St, Spruce Ave, Hickory Ave, Hackberry St$1,012
Co Rd 307, Hoover St, State Hwy 80, Jeff Davis Ranch Rd, Bellaire St, Silvermine Rd, San Marcos Hwy, Parkview Dr, Co Rd 115, S Hackberry Ave$1,008
Kirksey St, Cr 301, E Jones St, Mineral Springs Rd, W Crockett St, Watkins St, Co Rd 33, Park Ave, Rosanky, Cherry Ave$1,011
Rains Ln, McNeil Rd, N Cedar Ave, Co Rd Rw, Sandy Ranch Rd, Chuckwagon Rd, Oak Creek Cir, Co Rd 302, W Jones St, FM 1296$1,046
Co Rd 133, Turkey Hollow Rd, Holly Ave, Scenic View Rd, Salt Flat Rd, W Newton St, Co Rd 250, Burdette Wells Rd, Stairtown Rd, Co Rd 104$1,040

Luling, TX Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Luling$150 to $153
Caldwell County$153
Harwood-Ottine$156
Waelder$147

Luling, 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
Caldwell County, Texas $153 $204 $306
Harwood-Ottine CCD, Gonzales County, Texas $156 $208 $312
Lockhart CCD, Caldwell County, Texas $154 $205 $308

Luling, 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
Luling, TX7.1%21.9%
Caldwell County6.85%20.25%
Harwood-Ottine6.54%20.07%
Lockhart6.64%18.94%

Luling Renters Insurance as a Percentage of Rent

Luling Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 91 11.0% $806
$300 to $499 165 21.0% $1256
$500 to $749 323 41.0% $1931
$750 to $999 160 20.0% $2681
$1,000 to $1,499 31 4.0% $3806

Luling, TX Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,900$3,900
Yearly Luling Homeowner Insurance Premium Example $1,600$1,100
Out of Pocket Expense During Claim$1,900$3,900
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $9,900$9,400
Net Savings to Luling Home Owner from High Deductible Plan $500

Luling, TX Home Insurance Costs With Home Replacement Value Scenarios

Scenario Luling, TX Home Replacement Value MORE than Home Value Luling, TX Home Replacement Value LESS than Home Value
Replacement Value $156,500 $115,000
Insurance Premium based on Replacement Value $1,575 $1,150
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $20,000 Risk Exposure from Under Insuring Coverage is $21,500
Premium Impact Insurance cheaper by $200/year Insurance costlier by $225/year

Example Luling Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyTravelersGEICO Insurance
Monthly Premium 62114129
Year Built 200219831945
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 3 Baths
Coverage Amount $100000-$125000$250000-$300000$250000-$300000
Deductible $2500-$5000 Deductible> $10,000 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1999 125,000 Composition Roof 1,680 4 $2500-$5000 Deductible 370 6 Wood siding yes
1957 115,000 Tile Roof 1,720 3 $1000-$2500 Deductible 70 1 Stucco siding yes
1994 200,000 Wood Shake Roof 2,530 5 $5000 to $10,000 Deductible 500 7 Stucco siding No
1940 205,000 Shingles Roof 3,140 4 > $10,000 Deductible 300 4 Stucco siding yes
2004 125,000 Tile Roof 1,690 5 $2500-$5000 Deductible 840 12 Fiber-Cement Siding No
1992 140,000 Slate Shingles Roof 1,990 3 $500 Deductible 890 8 Wood siding No
1966 155,000 Tile Roof 2,130 4 $2500-$5000 Deductible 440 6 Stucco siding yes
1941 125,000 Membrane Roof 1,750 5 $2500-$5000 Deductible 110 2 Wood siding No
1985 65,000 Shingles Roof 1,220 3 $500 Deductible 340 6 Wood siding No
1982 245,000 Slate Shingles Roof 3,370 4 $500- $1000 Deductible 160 1 Wood siding No
1987 110,000 Tile Roof 1,950 3 $1000-$2500 Deductible 130 3 Brick siding No
1952 120,000 Metal Roof 1,630 3 $1000-$2500 Deductible 100 1 Brick siding No
2008 90,000 Slate Shingles Roof 1,530 5 $500- $1000 Deductible 720 12 Fiber-Cement Siding yes
1969 255,000 Metal Roof 3,200 4 $1000-$2500 Deductible 170 1 Brick siding No
1991 260,000 Composition Roof 3,540 5 $2500-$5000 Deductible 870 8 Vinyl siding yes
1998 95,000 Membrane Roof 1,380 3 $2500-$5000 Deductible 350 7 Vinyl siding yes
1999 90,000 Composition Roof 1,600 3 $500- $1000 Deductible 470 7 Stone Siding No
2009 95,000 Shingles Roof 1,600 5 $1000-$2500 Deductible 300 6 Stucco siding No
1996 115,000 Composition Roof 1,920 4 $500 Deductible 680 9 Fiber-Cement Siding No
1948 125,000 Tile Roof 1,610 4 $500 Deductible 470 5 Vinyl siding yes
1951 80,000 Wood Shake Roof 1,200 3 $500- $1000 Deductible 650 10 Vinyl siding yes
1942 175,000 Metal Roof 2,450 4 $1000-$2500 Deductible 910 10 Fiber-Cement Siding No
1989 140,000 Asphalt Shingles Roof 1,750 3 $500- $1000 Deductible 800 9 Stone Siding yes
1996 175,000 Metal Roof 2,270 3 $500- $1000 Deductible 880 8 Fiber-Cement Siding No
1968 280,000 Membrane Roof 4,630 5 > $10,000 Deductible 490 5 Wood siding No
1953 120,000 Wood Shake Roof 2,180 3 $1000-$2500 Deductible 400 6 Stone Siding No
1995 160,000 Membrane Roof 2,190 4 $500- $1000 Deductible 1130 9 Vinyl siding yes
1959 125,000 Shingles Roof 2,150 4 $500- $1000 Deductible 380 6 Fiber-Cement Siding yes