Mesquite ,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 Mesquite, 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 Mesquite, TX is $2048. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Mesquite, TX. VHome Insurance will help you navigate the world of homeowners insurance coverages in Mesquite, TX.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $819 |
| $200,000 | $1,393 |
| $300,000 | $1,720 |
| $400,000 | $2,621 |
| $500,000 | $3,297 |
Home insurance costs in Mesquite 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 |
|---|---|
| 075149 | $2,708 |
| 75182 | $3,057 |
| 75181 | $2,780 |
| 75150 | $2,731 |
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 Mesquite, TX, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $2,100 |
| $1000 Deductible | $1,878 |
| $1500 Deductible | $1,772 |
| $2500 Deductible | $1,597 |
| $5000 Deductible | $1,352 |
| Home Insurance Company Near Mesquite, TX | Homeowners Insurance Agency Near Mesquite, TX | Address |
|---|---|---|
| Travelers | Global Green Insurance Agency | 4221 PRESTON RD STE 200, FRISCO, TX, 75034 |
| State Farm | Larry Mchargue | 6833 Coit Road ste 100, Plano, TX, 75024-5400 |
| Farmers | Mohammed Pida | 3455 N Belt Line Rd Ste 109, Irving, TX, 75062 |
| Allstate | Tommy Chau | 129 N Plano Rd Ste A, Richardson, TX, 75081 |
| Nationwide | Christopher Lawrence Batten | 3630 W Pioneer Pkwy, Arlington, TX, 76013 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Sunnyvale town, Texas | $170 | $226 | $339 |
| Balch Springs city, Texas | $152 | $202 | $303 |
| Travis Ranch CDP, Texas | $158 | $210 | $315 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Mesquite, TX | 6.2% | 18.4% |
| Sunnyvale | 3.62% | 10.39% |
| Balch Springs | 7.15% | 19.82% |
| Travis Ranch | 5.02% | 9.65% |
| Mesquite Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 239 | 1.0% | $803 |
| $300 to $499 | 378 | 2.0% | $1253 |
| $500 to $749 | 3,515 | 19.0% | $1928 |
| $750 to $999 | 6,252 | 34.0% | $2678 |
| $1,000 to $1,499 | 5,684 | 31.0% | $3803 |
| $1,500 or more | 1,747 | 9.0% | $5453 |
| Streets in Mesquite Area | Homeowners Insurance Cost |
|---|---|
| Faithon P Lucas Sr Blvd, Springmont Dr, Thedford Rd, Marlin Dr, Deepwood St, Pickrell Dr, Partridge Dr, Silversprings Dr, Creekstone Ct, Old Elam Rd | $1,042 |
| Jardin Dr, Clover Haven St, Lakehurst Dr, S Larkin Rd, Malloy Rd, Chelsea Cir, Trails Pkwy, Arrowwood St, Briarbrook Dr, N Ebrite St | $1,027 |
| Red Mill Ln, Cranston Dr, Blackfoot Trl, Thornwood Dr, Meredith Ln, Lanyon Dr, la Prada Dr E, Briar Gate Ln, Ashland Dr, Bentley Dr | $1,032 |
| la Paz Dr, Sue Cir, Dalworth Dr, Linfield Dr, Frontage Rd, Field Trail Dr, Brandon Dr, Brockton Dr, Blue Meadow St, Bayberry Dr | $1,004 |
| Neville Ct, Nehrmeyer St, E Farmers Rd, Vista Park Dr, Oakview Dr, el Rio Dr, San Saba St, Coolwood Ln, Glen Cove St, Nantucket Village Dr | $1,028 |
| Graystone Ct, Cheshire Creek Pl, Via Barcelona, Los Altos Dr, Rosebluff Ter, Coryell Way, Lanemar Dr, Bufflehead Ct, Roanoke Cir, Wilkinson Rd | $1,036 |
| Mason Dr, Lometa Ct, Daleglade Dr, Teresita Trl, Eastern Heights Dr, Whitewing Dr, Wilderness Trl, Thrush Dr, Winter Park, Creekwood Ln | $1,014 |
| Hickory Garden Dr, Timberview Cir, Rosemont St, Trailcrest Dr, Roundrock Trl, Blyth Dr, Greenpoint St, Ocean Reef, Lochwood Dr, Corvette Dr | $1,022 |
| Val Verde Way, Badger Dr, Tamarix Ct, Avis St, Leyenda St, Taylor Creek, Morning Light Dr, Darnel Ln, Golden Pass Rd, Autumndale Dr | $1,036 |
| Patria Dr, Larchbrook Dr, Berry Rd, Via Balboa, Doral St, Kenzie Ct, Bruton Ln E, Alameda Dr, Lone Star Ct, Ryan Dr | $1,036 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Mesquite | $153 to $156 |
| Sunnyvale | $169 |
| Balch Springs | $151 |
| Travis Ranch | $158 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,300 | $4,300 |
| Yearly Mesquite Homeowner Insurance Premium Example | $1,800 | $1,300 |
| Out of Pocket Expense During Claim | $1,300 | $4,300 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $15,700 | $14,700 |
| Net Savings to Mesquite Home Owner from High Deductible Plan | $1,000 | |
| Scenario | Mesquite, TX Home Replacement Value MORE than Home Value | Mesquite, TX Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $90,000 | $63,000 |
| Insurance Premium based on Replacement Value | $650 | $450 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $16,000 | Risk Exposure from Under Insuring Coverage is $11,000 |
| Premium Impact | Insurance cheaper by $75/year | Insurance costlier by $125/year |
| Insurance Company | Allstate | USAA group | State Farm |
| Monthly Premium | 139 | 88 | 99 |
| Year Built | 1972 | 1962 | 2000 |
| Home Details | 5 Beds, 4 Baths | 3 Beds, 1 Baths | 2 Beds, 1 Baths |
| Coverage Amount | $200000-$250000 | $125000-$150000 | $125000-$150000 |
| Deductible | $2500-$5000 Deductible | $500- $1000 Deductible | $1000-$2500 Deductible |