Magnolia Insurance Rates:

Magnolia, TX homeowners insurance is roughly $897 to $1,222, about $74-$101/month. Our comprehensive research shows customers can save as much as $423 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Ways to Save on Homeowners Insurance Cost in Magnolia, TX

In Magnolia, TX homeowners pay an average home insurance rate of $1381.5. Homeowners in Magnolia can use discounts offered by different companies to reduce their rates further. To save money on your monthly payments homeowners can take advantage of discounts offered by some of the leading insurers in town like Nationwide and State Farm for a lower cost than what is currently being charged.

Home Insurance Discounts Based on Deductibles 


A newly constructed Magnolia home can enjoy $359 off on homeowners insurance. Houses are at their lowest propensity to damage when they're new, which is why companies offer attractive discounts for these homes as well. In contrast, older houses attract higher rates of repair and maintenance costs - a cost that's reflected in the price of your homeowner’s insurance premium and leads them to be charged an additional fee. For instance Magnolia homes older than 40 and 50 years receive an additional charge of $36 and $53, respectively, on home insurance.

Homeowners in Magnolia pay a small additional amount of $28 on their insurance premiums by installing a swimming  pool. Installing self-latching and self-closing gates around the pool also benefits your insurance rates and insurance companies provide discounts for the same. Additionally, senior citizens receive discounts on home insurance rates so it is a perk  that a household has at least one person over 50 years old living there.Homeowners who don't smoke or live with smokers may be eligible for an additional discount from certain companies too.

Although most of the factors that determine discounts cannot be controlled by  homeowners, they can benefit most by choosing deductibles to reduce home insurance rates. Homeowners can avail of attractive discounts by opting for higher deductibles. Magnolia homeowners paying a high deductible of $2,500 can avail of a discount of $389.58 on homeowners insurance. Homeowners receive discounts of $326.31 and $219.11, respectively, on deductibles of $2,000 and $1,500.

Homeowners in Magnolia who have a claims-free history with their home insurance company can receive discounts on their premiums.Homeowners with prior claims can pay more for factors such as the number and type of claims. By providing a history of zero claim, homeowners save money on their premiums in Magnolia by $580.23 or $221.04 respectively based on two fire damage incidents or water-damage incidents they have experienced previously.

Magnolia, TX Homeowners Insurance By Home Value

Magnolia, TX Home Value Total Homes % of Total Average Magnolia, TX Homeowners Insurance
Less than $50,000 1,254 9.0% $148
$50,000 to $59,999 620 4.0% $317
$60,000 to $69,999 497 3.0% $402
$70,000 to $79,999 753 5.0% $465
$80,000 to $89,999 533 4.0% $518
$90,000 to $99,999 277 2.0% $582
$100,000 to $124,999 1,001 7.0% $677
$125,000 to $149,999 1,164 9.0% $847
$150,000 to $174,999 1,414 11.0% $1006
$175,000 to $199,999 976 7.0% $1164
$200,000 to $249,999 1,478 11.0% $1397
$250,000 to $299,999 1,064 8.0% $1704
$300,000 to $399,999 1,561 12.0% $2170

Top Home Insurance Agents Near Magnolia, TX

Home Insurance Company Near Magnolia, TX Homeowners Insurance Agency Near Magnolia, TX Address
Liberty Mutual Independent Annette Weiser Ins Agency 8303 SOUTHWEST FWY STE 510, HOUSTON, TX, 77074
State Farm Ashley Henry 5444 Atascocita Rd Ste 101, Humble, TX, 77346-2943
Travelers Fbc Insurance Agency Inc 1808 BROTHERS BLVD #D, COLLEGE STATION, TX, 77845
Travelers Pathfinder Ll&D Insurance Group Llc 1160 DAIRY ASHFORD ST STE 220, HOUSTON, TX, 77079
Travelers Preferred Personal Insurance Agency Llp 13105 N W FREEWAY STE 1230, HOUSTON, TX, 77040

Magnolia, TX Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Magnolia, TX

Streets in Magnolia Area Homeowners Insurance Cost
Frontier Rd, Winchester Ct, Pinwood Ct, Clint Neidigk Rd, E Border Oak Pk, Hufsmith Conroe Rd, Corbin Dr, Deer Wood Trl, N Pine Ct, Sanders St$1,068
Tall Pines Dr, Gail Dr, Yellow Rose Ln, Long Branch Ln, Sleepy Brook Ln, Indian Springs Trl, Westward Ho St, Meadow Xing, Perth Cir E, Timber Oaks Ct$1,091
Greentree, Village Ridge, Ashbrook Ln, Sonoma Valley Dr, Timberbreeze Ct, Old Hempstead, Old Hardin Store Rd, Edgewater Dr, Marvin Gardens, High Chaparral$1,061
Blackgum Dr, S Pine Hill St, Little Twig Ln, White Oak Ct, Acorn Ct, Abderdeen Dr, Westbrook, Price Ln, Crooked Creek Ct, N Sugar Maple Cir$1,071
Restful Hollow, Sherrie Ln, Cedardale St, Sabinal Trl, Fox Squirrel Ct, Oakview St, Grand Oaks Blvd, Park Dr, N Ravenswood Dr, Donna Ana Rd$1,093
Deer Creek, Lonesome Pine St, Bramblevine Dr, Rainfern Dr, Timbergreen Dr, Barnett Ln, Lagarto Ct, Pine Bark Trl, Misty Meadow, Revelwood Dr$1,067
Debbie Ln, Vinton Ln, Coriander Dr, FM 1774 Rd, Decker Oaks Dr, Champions Dr, Mink Creek Ct, E Lake Dr, Pattys Lndg, Belle Ct$1,078
Pleasant Valley Rd, N Barnett Ln, Champions Ridge Rd, Cardinal Ln, Evergreen Timbers, S Pine Cir, Lone Oak St, Community Dr, Greenwood, Hope Ln$1,070
Oak Valley Ln, Bridleway Cir, Valley Oaks Dr, Barbara St, Big Oaks Cir, Oak Bluff Dr, Timber Ridge Dr, Giant Hickory Dr, E Sulphur Creek Dr, Jacana Ct$1,042
Bent Horn Ln, Heflan St, Pine Knott Rd, Mulligan Trl, Barksdale Dr, Campwood Dr, Post Oak Forest Dr, Limber Pines Ct, Gunnison Dr, Towering Oaks Dr$1,074

Magnolia, TX Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Magnolia$158 to $161

Magnolia, 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
Pinehurst CDP, Texas $129 $172 $258
Stagecoach town, Texas $133 $177 $266
Tomball city, Texas $131 $174 $261

Magnolia, 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
Magnolia, TX5.4%14.8%

Magnolia Renters Insurance as a Percentage of Rent

Magnolia Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 74 2.0% $341
$300 to $499 115 4.0% $1241
$500 to $749 572 23.0% $1916
$750 to $999 620 25.0% $2666
$1,000 to $1,499 676 27.0% $3791
$1,500 or more 408 16.0% $5441

Magnolia, TX Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Magnolia Homeowner Insurance Premium Example $2,400$1,800
Out of Pocket Expense During Claim$800$3,800
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $15,200$14,600
Net Savings to Magnolia Home Owner from High Deductible Plan $600

Magnolia, TX Home Insurance Costs With Home Replacement Value Scenarios

Scenario Magnolia, TX Home Replacement Value MORE than Home Value Magnolia, TX Home Replacement Value LESS than Home Value
Replacement Value $229,500 $132,000
Insurance Premium based on Replacement Value $1,975 $1,125
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $51,500 Risk Exposure from Under Insuring Coverage is $46,000
Premium Impact Insurance cheaper by $400/year Insurance costlier by $450/year

Example Magnolia Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company USAA groupAllstateTravelers
Monthly Premium 113122203
Year Built 198120102005
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 1 Baths
Coverage Amount $150000-$175000$150000-$175000$350000-$400000
Deductible $500 Deductible$1000-$2500 Deductible$1000-$2500 Deductible

Sample Home Insurance Rates for Magnolia, 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 495,000 Slate Shingles Roof 4,910 5 $2500-$5000 Deductible 1860 8 Stone Siding yes
1987 350,000 Shingles Roof 4,350 5 $5000 to $10,000 Deductible 980 5 Brick siding yes
1990 195,000 Shingles Roof 2,130 4 $500- $1000 Deductible 220 2 Stone Siding No
2010 225,000 Tile Roof 1,970 3 $1000-$2500 Deductible 1450 8 Fiber-Cement Siding yes
1987 350,000 Shingles Roof 3,210 5 $1000-$2500 Deductible 400 2 Fiber-Cement Siding No
2011 440,000 Slate Shingles Roof 4,840 5 $500- $1000 Deductible 1870 6 Vinyl siding yes
1991 190,000 Membrane Roof 2,060 3 $500 Deductible 1180 12 Stucco siding No
1990 135,000 Metal Roof 1,700 4 $1000-$2500 Deductible 480 5 Wood siding yes
1988 575,000 Composition Roof 4,930 5 $2500-$5000 Deductible 3260 12 Stucco siding yes
2007 220,000 Shingles Roof 2,690 4 $2500-$5000 Deductible 320 3 Stone Siding yes
1993 270,000 Wood Shake Roof 2,400 3 > $10,000 Deductible 540 6 Brick siding No
2000 215,000 Metal Roof 2,090 3 $1000-$2500 Deductible 740 7 Fiber-Cement Siding No
1996 250,000 Slate Shingles Roof 2,620 4 > $10,000 Deductible 210 2 Brick siding yes
1990 205,000 Membrane Roof 2,380 4 $500 Deductible 1150 6 Brick siding yes
1994 205,000 Wood Shake Roof 2,560 4 $500- $1000 Deductible 700 5 Brick siding No
2012 110,000 Shingles Roof 1,270 3 $2500-$5000 Deductible 540 10 Fiber-Cement Siding yes
1990 460,000 Membrane Roof 3,860 5 $1000-$2500 Deductible 1190 3 Fiber-Cement Siding No
1993 270,000 Composition Roof 3,110 4 $500 Deductible 1940 8 Fiber-Cement Siding No
2000 160,000 Wood Shake Roof 2,010 3 $2500-$5000 Deductible 1040 10 Stone Siding No
2014 245,000 Metal Roof 2,560 4 $5000 to $10,000 Deductible 1020 7 Stucco siding No
1986 220,000 Asphalt Shingles Roof 1,970 3 $500 Deductible 230 2 Brick siding yes
2009 325,000 Composition Roof 3,090 4 > $10,000 Deductible 730 6 Vinyl siding yes
1999 245,000 Composition Roof 2,210 3 $500 Deductible 1410 7 Stone Siding yes
1995 185,000 Composition Roof 2,200 3 $5000 to $10,000 Deductible 180 2 Fiber-Cement Siding No
2000 235,000 Tile Roof 2,140 3 $1000-$2500 Deductible 120 1 Fiber-Cement Siding No
1994 290,000 Composition Roof 3,020 4 $500 Deductible 1670 9 Vinyl siding No
2006 355,000 Slate Shingles Roof 3,100 5 $2500-$5000 Deductible 3310 12 Vinyl siding yes
1982 130,000 Asphalt Shingles Roof 1,610 3 $2500-$5000 Deductible 770 12 Stucco siding No
1986 275,000 Membrane Roof 2,990 4 > $10,000 Deductible 360 4 Stucco siding yes
1994 165,000 Composition Roof 1,590 3 $1000-$2500 Deductible 240 2 Stone Siding No
1997 355,000 Membrane Roof 3,300 5 > $10,000 Deductible 680 5 Vinyl siding yes
1997 190,000 Shingles Roof 1,830 3 $500- $1000 Deductible 1250 9 Vinyl siding No
1984 255,000 Shingles Roof 2,700 5 $1000-$2500 Deductible 1900 12 Fiber-Cement Siding yes
1994 250,000 Wood Shake Roof 3,090 4 $500- $1000 Deductible 520 3 Stucco siding No

Latest Home Insurance Reviews

State Farm
it was very happy to tell about the customer service in this insurance customer service was very good and give a wonderful guideing for the insurance.
Bkcw Insurance
From my experience, they always are able to find me the best monthly plan. and the price is competitive and fair.
Safeco Insurance
I am unsure what they offer compared to others, we have not used any other insurance company in 15 years.
State Farm
Overall, I would recommend this company to anyone, because of how easy they are to work with.
I am pleased with my insurance company, but my biggest complaint would be the lack of locations. however, if there were more locations, that concern would not be there. there is nothing else that i really dislike about the company.
Hochheim Prairie Insurance
On the two claims that i submitted, i felt that i didn't get the right amount of money for the amount of damages that needed to be repaired. i could have contested the amount of the claim, but i didn't want to go through the trouble and delays that would cause.
State Farm
It's a bit pricey but it seems to cover a good bit of stuff which is what I need with a house that has the age that it does.
I like how the company's website is easy to use and the customer service agents are easily accessible.
State Farm
Automation of services and the drive to make as many things computer/software driven. I prefer face to face customer service and dealing with people directly.
Overall, I think it's a good company. I liked how fast and streamlined the claims process was. All of the representatives I’ve spoken with were very nice and helpful.
State Auto
My home insurance company offers similar policies compared to others, but they are more reasonable in price in comparison to others I have checked with.
I would definitely recommend this company since they have always been responsive and offer a better premium than most companies. They also offer many discounts.
The premium of our insurance is not crazy high considering the value of what is insured. I think we are more middle of the road with pricing compared to what I have heard from others.

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