Montgomery County, TX homeowners insurance is approximately $897 to $1,215, about $74-$101/month. Our all inclusive research shows customers can save upto $422 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
In Montgomery County, Texas, a typical homeowner's policy costs $1848. There are a few reasons why having a homeowner's policy in Montgomery County, Texas, is essential. First, if your home is damaged or destroyed by a covered event, your policy can help pay to repair or replace it. Additionally, if you are sued or held liable for someone else's injuries or damages, your policy can help pay for your legal expenses. Finally, many mortgage lenders require borrowers to have a homeowner's policy in place in order to get a loan.
Several factors influence the cost of homeowners insurance. The first is the home's location. The prices will be higher if the house is situated in a region vulnerable to calamities like hurricanes or earthquakes. The age of the house is another consideration. Older properties more likely require maintenance and replacement, making insurance more expensive. Home insurance rates in Montgomery County, TX, are influenced by the property’s value as well. The charges for a more costly home will be greater than those for a cheaper one.
Here are some ways to lower your homeowner's insurance prices in Montgomery County, Texas.
1. Choose a higher deductible
If you select coverage with a higher deductible, you will be held accountable for more of any damages to your house. As a result, your insurance costs will be reduced if the insurance company is liable for less of the damages. Homeowners in Montgomery County, Texas, pay premiums of $1825.82 and $1554.91 for deductibles of 500 and 1500, respectively. However, households with deductibles of 2000 and 2500 pay $1411.5 and $1326.86, respectively. Therefore, in Montgomery County, Texas, the smaller the premium, the higher the deductible.
2. Install safety devices
You can do a few things to help reduce your homeowner’s insurance costs. One is to install safety features in your homes, such as smoke detectors, fire extinguishers, and deadbolt locks. These features can help lower the cost of your insurance by making your home safer. In Montgomery County, Texas, homeowners that install deadbolts pay $1607.76 for homeowners insurance.
3. Claims history
If you have never filed a claim on your homeowner’s policy, you may be eligible for a discount from your insurance company. For example, homeowners with zero claims history have to pay a premium of $1607.76 on home insurance in Montgomery County, TX. In contrast, homeowners with one or two claims have to pay $2014.32 and $2106.72 on homeowners insurance in Montgomery County, TX.
|Montgomery County, TX Home Value||Total Homes||% of Total||Average Montgomery County, TX Homeowners Insurance|
|Less than $50,000||10,969||10.0%||$158|
|$50,000 to $59,999||3,025||2.0%||$327|
|$60,000 to $69,999||3,375||3.0%||$411|
|$70,000 to $79,999||3,670||3.0%||$475|
|$80,000 to $89,999||4,627||4.0%||$538|
|$90,000 to $99,999||4,193||4.0%||$601|
|$100,000 to $124,999||11,813||11.0%||$696|
|$125,000 to $149,999||10,674||10.0%||$876|
|$150,000 to $174,999||11,454||10.0%||$1034|
|$175,000 to $199,999||8,137||7.0%||$1203|
|$200,000 to $249,999||12,587||12.0%||$1446|
|$250,000 to $299,999||8,945||8.0%||$1763|
|$300,000 to $399,999||10,711||10.0%||$2249|
|Home Insurance Company Near Montgomery County, TX||Homeowners Insurance Agency Near Montgomery County, TX||Address|
|NA||Community Insurance Associates||Po Box 9645 The Woodlands, The Woodlands, TX, 77387|
|State Farm||Aaron Mcknight||5706 W Little Yrk Rd, Houston, TX, 77091-1112|
|Travelers||Anco Insurance||16350 PARK TEN PLC STE 200, HOUSTON, TX, 77084|
|Allstate||Kenneth Eaves||4951 FM 2920 Rd, Spring, TX, 77388|
|Allstate||Steven Boyer||1800 Northpark Dr Ste C, Kingwood, TX, 77339|
|Streets in Montgomery County Area||Homeowners Insurance Cost|
|Dapplegray Ln W, Pine St, Pelican Blvd, Jay Ct, Quail Point Ln, Windswept Oaks Pl, Buchans Dr, Ripplewood Dr, Maple Ln, Emerald Cir||$1,026|
|Quail Rock Pl, Carie Cove Ct, Shady Lake Dr, Acorn Ct, Humaya Dr, Bays Cemetery Rd, Ridgecross Pl, Woodhaven Ln, N Rain Forest Ct, Highland Cir||$1,018|
|Marilyn St, Doty Dr, Tuffy Rd, Greenridge Forest Dr, Idle Glen Roadway, State Hwy 105 E, Persimmon St, Eagle Pt, Durango Canyon Ln, Capetown Way||$1,013|
|N Woodloch St, Scarlet Woods Ct, Spring Creek Dr, Beth Marie, N Millbend Dr, Sweetgum, Village Oaks Ct, April Pt, Trinity River Dr, Sunflower Ln||$1,083|
|Long Pines Ln, Amulet Oaks Pl, Huckleberry Ln, Lazy Lake Ln, Falcon Crest Ln, Mesa Valley Dr, Columbia St, Crested Cloud Ct, Carmita, Columnberry Ct||$1,046|
|Freemont Rd, Longstreet Rd, Bourbon St, Pine Springs Ct, Pal-Metta Ln, Andromeda Ct, S Oak Creek Dr, Tubac St, Cessna Dr, Woodlands Pkwy||$1,059|
|Lockeridge Bend, Willow Springs Ln, Jake Goodrum Rd, Canyon Creek Ln, Wellington Ct, Aldrich, Monroe Ct, Player Pond Pl, Willowbend Ln, Atlantic Ave||$1,055|
|N Merryweather Cir, Royal Springs Rd, Hickory Ridge Dr, Great Oak Blvd, Crestone Pl, E Foxbriar Forest Cir, N Shoreline Point Dr, Park Cir, Legends Green Dr, Peach St||$1,046|
|E White Oak Ter, Canterbury Ln, Forest Vale Dr, Woods Dr, Glenboro Dr, Sleepy Hollow, Early Frost Pl, Dorrington Estates Ln, Moss Ln, Sherwood Forest Dr||$1,038|
|Cedar Hill Dr, Woodchuck Rd, Degas Park Dr, S Greywing Cir, Cullen Dr, Edgemar Rd, Abbey Field Ln, Clepper Dr, N Heaton Ln, E Park Dr||$1,132|
|Place||Savings For Senior Occupied Homes|
|Montgomery County||$158 to $160|
|Place||1 Car Bundle Savings On Insurance||2 Car Bundle Savings On Insurance||3 Car Bundle Savings On Insurance|
|Conroe city, Texas||$155||$207||$311|
|Panorama Village city, Texas||$157||$209||$314|
|Woodloch town, Texas||$155||$207||$311|
|Place||Home insurance as a % of housing cost for homes with mortgage||Home insurance as a % of housing cost for homes without mortgage|
|Montgomery County, TX||5.5%||17.6%|
|Montgomery County Home By Monthly Rent||Total Homes||% of Total||Estimated Monthly Income To Afford Rented House Including Renters Insurance|
|$200 to $299||943||2.0%||$792|
|$300 to $499||2,119||5.0%||$1242|
|$500 to $749||7,059||17.0%||$1917|
|$750 to $999||11,734||29.0%||$2667|
|$1,000 to $1,499||12,134||30.0%||$3792|
|$1,500 or more||5,463||13.0%||$5442|