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

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.
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
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.

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

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
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