Odessa Insurance Rates:

Odessa, TX homeowners insurance is approximately $863 to $1,170, about $71-$97/month. Our detailed research indicates shoppers can save as much as $406 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Geico
Geico was originally a government insurance company. Since my boyfriend is ex-military we got a discount for that and another for multiple policies (we also have auto through Geico).
State Farm
I recommend State Farm because even though they are only slightly above average in premium and coverage, where they excel is in their human aspect.
State Farm
State Farm has always been very responsive and helpful. They offer personal service and they remember who you are. I rate them a 4 out of 5.
Alfa Insurance
They usually do not undercut us. if we do have to make a claim they usually pay us for what it is worth.
State Farm
I would cause they are always there when need be and helpful but there prices are not great.
Progressive
I have had problems with them once. It seems if you have a mortage the bank has to sign off on the insurance check as well. This confused me but in the end I did get the money to make the repairs.
State Farm
I like state farm. They are good with their policies and pricing. I used the local State Farm which has excellent customer service, I would rate it as a 5.
State Farm
the customer service has always been polite and helpful
Farmer's Insurance
When we feel that our insurance rates have gone up and we question our agent, he is very quick to find a way to keep our rates as low as possible.
Metlife
We are with this insurance for so many years and have had like 1 or 2 claims, but nevertheless, they are raising their premiums every year!
State Farm
They are one of the biggest and most reputable companies and i know if a major catastrophe happens they have the resources to act quickly.
State Farm
I receive timely emails on my payments and renewals. They are good at being in touch. I have no complaints about that. I think they put a good effort into being in communication with me.
State Farm
So many ways to get the information I need, websites, apps, online chat, 24 hour phone support. I get calls once or twice a year to check to see if I need any assistance or am aware of further discounts I might qualify for.
Allstate
Our local agent has been the best. She has been over backward to help us and answer any questions that we might have.
Progressive
The payment is escrowed, so I do not have any interaction with my insurance company, with the exception of the initial setup.
Farmer's Insurance
I like Farmers Insurance because of their very competitive rates for my insurance coverage on my house, car, and umbrella coverages. I have had no issues with their customer service.
Allstate
I LIKE CUSTOM SERVE AND OFFICE. I DON'T LIKE CLAIM PART. I GOT A HEADACHE EVERY TIME TALK TO THEM MY HURTING ABOUT THINKING ABOUT THEM.
Allstate
As should be clear by now, our experience with Allstate has been entirely satisfactory. We have had a Allstate policy for over 30 years, so you know that we are very happy customers.
State Farm
Nothing that I can think of; maybe lower premiums? Who wouldn't want to pay less for insurance? I can imagine that's about all I would want to be changed currently.
Allstate
Nothing bad to say really, my only bad experience was one time I was promised a call back same day and got it the next morning, that's been the only issue
Farmer's Insurance
They were slow to grant me online access. Also, they changed the amount of the insurance the day before closing.
Geico
The value that you get for the money that you invest with GEICO is superior, in my experience, to other home owner insurance policies. Furthermore, having a large scale insurance company as the source of my protection is a good feeling. I would certainly recommend them based on their value.
State Farm
I would really recommend State Farm insurance company because regardless of the price , it feels that you are really cared for. Like they care for you as a customer.
Aaa
I would recommend AAA on account of their great customer service, multiple physical locations, and their responsiveness to my family's needs. Whenever I have questions, they are easily answered with knowledge and courtesy and there is no pressure to upgrade policies or to add on things that are unnecessary. In addition, they give me tips on how to best utilize the policy.
Geico
I would recommend geico to friends, family, and even strangers because of price difference with other companies. Consumers always want a great product at a lower cost. Geico offers both.
Allstate
The online options, including payments. The auto-pay options, the discounts offered. I like that all my policies can be with the same company and I am rewarded for being loyal over time.
National General
It's a great company, they provide great value and competitive rates for homeowners who own all types of homes, and they are responsive to claims and homeowner concerns.
Gulfstream Property And Casualty Insurance Company
It gives me the lowest rate for the best coverage that I could find.
Geico
They have excellent customer service and are open to communication through a variety of channels. Their rates are reasonable. It's easy to file a claim and you get paid pretty quickly.
State Farm
Its definitely not worse than any other companies out there. I think our roofer did the majority of the work and ensured our coverage.

Odessa, TX Homeowners Insurance By Home Value

Odessa, TX Home Value Total Homes % of Total Average Odessa, TX Homeowners Insurance
Less than $50,000 5,514 21.0% $264
$50,000 to $59,999 1,636 6.0% $569
$60,000 to $69,999 1,524 5.0% $701
$70,000 to $79,999 1,868 7.0% $813
$80,000 to $89,999 1,756 6.0% $915
$90,000 to $99,999 2,070 8.0% $1027
$100,000 to $124,999 3,384 13.0% $1189
$125,000 to $149,999 1,872 7.0% $1484
$150,000 to $174,999 2,143 8.0% $1759
$175,000 to $199,999 959 3.0% $2034
$200,000 to $249,999 1,412 5.0% $2440
$250,000 to $299,999 861 3.0% $2989
$300,000 to $399,999 642 2.0% $3793

Top Home Insurance Agents Near Odessa, TX

Home Insurance Company Near Odessa, TX Homeowners Insurance Agency Near Odessa, TX Address
NA R C Paulette Insurance 2817 Jbs Pkwy Ste E-11, Odessa, TX, 79762
State Farm Barry Smith 1050 N Dixie Blvd, Odessa, TX, 79761-2806
Travelers Insource Insurance Group Llc 5108 WAYLAND DR, ODESSA, TX, 79762
Farmers Juan Luna Lutcf 309 N Grant Ave, Odessa, TX, 79761
Travelers West Texas Insurance Exchange Inc 1030 ANDREWS HWY SUITE 100, MIDLAND, TX, 79701

Odessa, TX Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Odessa, TX

Streets in Odessa Area Homeowners Insurance Cost
Hwy 191 E, Eastover Dr, S Lark Ave, E 25th St, Midway Ave, Schell St, Robertson Ave, Ridgecrest Ave, Lake Ln, Santa Rosa Ave$1,021
Kirkwood Dr, S Cunningham Ave, Magnolia Blvd, W 46th St, W Murphy St, Corona Cir, W 49th St, E 24th St, Magill St, W FM 3503$1,006
Fall Ave, S Mildred Ave, Judy Ave, Rosewood Ave, E Murphy St, Terry Dr, Emerald Gardens Dr, Gregory St, Ventura Ave, Glenhaven Dr$1,090
Parkway Blvd, Byron Ave, E 18th St, N Alleghaney Ave, Salinas Ave, Boatwright St, Sapphire St, Nelda St, N Belmont Ave, E Tammy Dr$1,035
N Chinaberry Ave, E Molar St, Pecos St, Chinaberry Ct, Sandalwood Ln, S Kelley Ave, Brookover Cir, Bonham Ave, Robbe Rd, E Ivory St$1,017
Tye Ave, Vine Ave, E 29th St, Dove Dr, S Jbs Pkwy, E 51st St, Reagan Ave, Alabama St, E 31st St, Yale Ave$1,002
Coral Dr, E 35th St, Bankhead Ave, Angus Rd, Jp Teal Dr, Via Entrada, Cordova St, N Lauderdale Ave, Rosemary St, Keystone Dr$1,037
E 37th St, Crestview Dr, Gary Ter, Burgess St, Melody Ln, Pica Ave, E 52nd St, W Interstate 20 State Rte, Santa Rosa Ave, Kentucky Ave$1,001
Richwood Rd, Terrace Cir, Marfa Ln, Cherrywood Cir, Madera Ave, Sweetbriar Cir, N Waldrop Ave, Oregon St, S Jackson Ave, E 7th St$1,033
W 31st St, Newcomb Dr, Cabrillo Dr, E 17th St, Tobosa, N Alleghaney Ave, E Odessa St, Roosevelt Ave, Lancewood Ln, Sandhills Dr$1,046

Odessa, TX Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Odessa$152 to $154
Gardendale$152
West Odessa$149
Ector County$151

Odessa, 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
Gardendale CDP, Texas $152 $203 $305
West Odessa CDP, Texas $149 $199 $299
Ector County, Texas $152 $202 $303

Odessa, 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
Odessa, TX7.6%21.2%
Gardendale7.1%21.41%
West Odessa7.96%23.63%
Ector County7.63%21.87%

Odessa Renters Insurance as a Percentage of Rent

Odessa Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 206 1.0% $356
$200 to $299 409 3.0% $806
$300 to $499 1,373 10.0% $1256
$500 to $749 4,910 36.0% $1931
$750 to $999 3,508 25.0% $2681
$1,000 to $1,499 2,893 21.0% $3806
$1,500 or more 309 2.0% $5456

Odessa, TX Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,500$3,500
Yearly Odessa Homeowner Insurance Premium Example $2,600$2,200
Out of Pocket Expense During Claim$1,500$3,500
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $19,700$18,900
Net Savings to Odessa Home Owner from High Deductible Plan $800

Odessa, TX Home Insurance Costs With Home Replacement Value Scenarios

Scenario Odessa, TX Home Replacement Value MORE than Home Value Odessa, TX Home Replacement Value LESS than Home Value
Replacement Value $109,500 $79,500
Insurance Premium based on Replacement Value $875 $625
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $20,000 Risk Exposure from Under Insuring Coverage is $10,000
Premium Impact Insurance cheaper by $100/year Insurance costlier by $150/year

Example Odessa Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceAllstateLiberty Mutual
Monthly Premium 1004567
Year Built 199319701987
Home Details 4 Beds, 3 Baths2 Beds, 1 Baths3 Beds, 1 Baths
Coverage Amount $150000-$175000$50000-$75000$75000-$100000
Deductible $2500-$5000 Deductible$500- $1000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1975 245,000 Shingles Roof 3,310 5 $2500-$5000 Deductible 340 3 Vinyl siding No
1961 155,000 Slate Shingles Roof 2,000 3 $5000 to $10,000 Deductible 530 9 Stone Siding yes
1960 125,000 Slate Shingles Roof 2,060 4 $2500-$5000 Deductible 60 1 Stone Siding No
1998 110,000 Shingles Roof 1,930 4 $1000-$2500 Deductible 310 4 Brick siding yes
1989 115,000 Asphalt Shingles Roof 1,540 2 $500- $1000 Deductible 160 2 Vinyl siding yes
1968 170,000 Composition Roof 2,140 3 $5000 to $10,000 Deductible 620 6 Stone Siding No
1975 100,000 Composition Roof 1,550 3 $2500-$5000 Deductible 670 10 Vinyl siding yes
1987 85,000 Wood Shake Roof 1,170 2 $500 Deductible 170 3 Fiber-Cement Siding yes
1994 335,000 Membrane Roof 4,180 5 $500 Deductible 1270 5 Fiber-Cement Siding No
1961 240,000 Slate Shingles Roof 4,260 5 $5000 to $10,000 Deductible 400 4 Stucco siding No
1981 200,000 Membrane Roof 2,930 4 $1000-$2500 Deductible 190 2 Wood siding No
1964 115,000 Asphalt Shingles Roof 1,670 4 $500- $1000 Deductible 370 5 Wood siding No
1976 100,000 Slate Shingles Roof 1,540 2 $500- $1000 Deductible 630 9 Stone Siding yes
1973 160,000 Shingles Roof 2,060 5 $500 Deductible 450 4 Brick siding No
1999 140,000 Slate Shingles Roof 2,040 4 $500 Deductible 290 2 Stone Siding No
1982 155,000 Wood Shake Roof 2,060 3 $500- $1000 Deductible 400 3 Wood siding No
1984 260,000 Slate Shingles Roof 3,530 5 $5000 to $10,000 Deductible 240 2 Fiber-Cement Siding No
1971 215,000 Asphalt Shingles Roof 2,780 4 $1000-$2500 Deductible 1460 7 Brick siding No
1984 55,000 Asphalt Shingles Roof 910 2 $500- $1000 Deductible 140 4 Vinyl siding No
1968 270,000 Membrane Roof 4,120 5 $500 Deductible 970 5 Stone Siding yes
1960 130,000 Shingles Roof 1,990 3 $2500-$5000 Deductible 70 1 Stone Siding No
1982 85,000 Metal Roof 1,600 2 $2500-$5000 Deductible 410 8 Fiber-Cement Siding No
1987 175,000 Slate Shingles Roof 2,430 4 $5000 to $10,000 Deductible 820 12 Vinyl siding No
1997 295,000 Shingles Roof 4,540 5 $1000-$2500 Deductible 1290 10 Vinyl siding yes
1978 110,000 Slate Shingles Roof 1,840 3 $500 Deductible 860 12 Stone Siding No
1996 155,000 Metal Roof 2,770 4 $2500-$5000 Deductible 310 4 Vinyl siding No
1998 90,000 Composition Roof 1,640 5 $2500-$5000 Deductible 250 6 Brick siding No
1995 130,000 Wood Shake Roof 1,690 2 $500- $1000 Deductible 1260 12 Vinyl siding yes
1980 75,000 Composition Roof 1,230 2 $500- $1000 Deductible 270 8 Stucco siding No
1977 110,000 Composition Roof 1,520 2 $1000-$2500 Deductible 430 7 Wood siding yes

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