Montgomery County Insurance Rates:

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.

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Options for Reducing Home Insurance Costs in Montgomery County, Texas

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 Homeowners Insurance By Home Value

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

Top Home Insurance Agents Near Montgomery County, TX

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

Montgomery County, TX Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Montgomery County, TX

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

Montgomery County, TX Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Montgomery County$158 to $160
Panorama Village$156

Montgomery County, 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
Conroe city, Texas $155 $207 $311
Panorama Village city, Texas $157 $209 $314
Woodloch town, Texas $155 $207 $311

Montgomery County, 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
Montgomery County, TX5.5%17.6%
Panorama Village6.28%15.85%

Montgomery County Renters Insurance as a Percentage of Rent

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

Latest Home Insurance Reviews by Location

Montgomery, TX

We have recommend really well. because We was used this company in 3 years ago .It's good service thank you.
Read more Montgomery home insurance reviews

Willis, TX

Farmer's Insurance
My deductible is very low $500 which causes the rate to be higher. Most other companies did not provide a minimum deductible of $500. I found $1,000 to be the lowest.
Read more Willis home insurance reviews

Magnolia, TX

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.
Read more Magnolia home insurance reviews

Conroe, TX

I'd definitely recommend them, based on customer service, coverage and price. that said, I've never had to file a claim with them, and if I did that might change my response.
Read more Conroe home insurance reviews

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