Pharr Insurance Rates:

Pharr, TX homeowners insurance is roughly $852 to $1,156, about $71-$96/month. Our all inclusive research shows customers can save as much as $401 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Auto
The premium and deductible for my home insurance is really good. It is much better than other places I shopped around at and same coverage as those places. It is very affordable with my budget.
State Farm
I would highly recommend State Farm to anyone (either a new customer, or existing customer with another company carrier), with no reservations.
Allstate
All insurance companies offer the same policies for the same prices. If you see a barely lower rate among one of them, the others will always match it. It is literally a scam that we are forced to abide.
Liberty Mutual
I am very happy with the deductible amount of my policy, but I do wish that the monthly payment that is added to my mortgage payment was less, I don't think I will ever use that much that I'm putting into it.
State Farm
This company offers multiple types of insurance. it is convenient having car, life and home insurance all with the same company.
Allstate
I do not like dealing with corporate, they are never able to help me answer my questions with regards to what is covered.
Allstate
They are local to where we live, and so we can drop by the office when needed. it’s extremely helpful!
Nationwide
I haven't shopped for a new provider in quite a while, but last time I did, Nationwide had the best premium. I suspect they'd still be lowest if I looked again.
State Farm
What we dislike about the company is their trying to sell us additional products and services. Prices are a bit higher and if you get the monthly payment plan you have to pay an extra 3 dollars a month which seems high.
Travelers
The communication is always very friendly, but many times I have to sit on hold before being able to speak with anyone.
Allstate
I like that they have offered family events tickets to us for free each year. They are involved in community events and show a presence for people in the community.
Allstate
I would recommend to others and give it a 5 because it is a good home insurance company.

Pharr, TX Homeowners Insurance By Home Value

Pharr, TX Home Value Total Homes % of Total Average Pharr, TX Homeowners Insurance
Less than $50,000 3,390 27.0% $341
$50,000 to $59,999 1,267 10.0% $732
$60,000 to $69,999 1,289 10.0% $903
$70,000 to $79,999 1,089 8.0% $1044
$80,000 to $89,999 1,284 10.0% $1184
$90,000 to $99,999 1,062 8.0% $1325
$100,000 to $124,999 1,031 8.0% $1536
$125,000 to $149,999 718 5.0% $1927
$150,000 to $174,999 455 3.0% $2279
$175,000 to $199,999 215 1.0% $2630
$200,000 to $249,999 179 1.0% $3162

Top Home Insurance Agents Near Pharr, TX

Home Insurance Company Near Pharr, TX Homeowners Insurance Agency Near Pharr, TX Address
NA Munal Insurance Agency, Pc 4211 N 22Nd St. Mcallen, Rio Bravo, TX, 78504
Allstate Alford Insurance 147 E Price PO Box 4990, Brownsville, TX, 78523
Travelers James E Capt & Associates Llc 1336 Med Capt Dr, Pharr, TX, 78577
Allstate Raul Gomez Jr 1600 N Expressway, Brownsville, TX, 78521
State Farm Raul Resendez 200 S Sugar Rd, Edinburg, TX, 78539-4082

Pharr, TX Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Pharr, TX

Streets in Pharr Area Homeowners Insurance Cost
Baldomero Rd, S Center R Sanchez Rd, Sailfish Ave, E Preston Ave, Nell Pool, Zapata Ave, Dahlia Ave, Erica, Gran Villa, FM 3072$1,019
Monica, Norma St, Palo Verde Cir, N 2 1/2 St, E Texano Dr, W Chickadee Ave, N Bluebonnet St, S Campeche Rd, W Oak Ln, Waynes Ct$1,005
Nani St, Cypress, Garnet Ln, Baywood Ave, Jasper Ln, Sevilla, N Carnation Ln, E Alan St, E Canadian Dr, N Esperanza St$998
E Brazil Ave, Days, Topaz Ln, Gable Dr, W Bell Ave, Diaz, S Kitty, N Vodka, E Beech St, E Merry Way Ave$1,010
Cancun, Date, Gumwood, S Sabino Ave, Dorothy Dr, White Bugambilia, S Venus Ln, W Dolly St, W Newcombe (Park) Ave, S 30th St$1,004
E McDonald Ave, E Kathy St, Garcia Ave, S Vasquez St, Feather, Mockingbird, E Bell Ave, Condessa Dr, W Holiday Ave, E Maple Ave$1,005
W Doffing Rd, S Sindoa Rd, E Sabatina Ave, S Aster St, E Azalia Ave, Savannah Dr, S Olivarez St, W Polk Ave, Cantu St, S Huisache St$1,003
W Maple Ave, E Feather Ave, Pharr International Brg, Tropical Trl, W Cheyenne Ave, San Pedro, N Ironwood St, W Jeff Dr, Palo Verde Cie, Dogwood$1,005
N Tequila, Tara Dr, Salinas, Lupita Dr, W Coma Ave, E This Way, E Cedar Ave, Leyva, Old Ridge Rd, E Saint John Dr$1,013
Bugambilia, Encino Ave, N 14th St, E San Antonio Ave, E Sam Houston Ave, N Linden St, Loras Ln, S Birch Ave, Tinman, Lion Dr$999

Pharr, TX Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Pharr$150 to $152
McAllen-Pharr$151
Alamo$149
McAllen$153

Pharr, 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
McAllen-Pharr CCD, Hidalgo County, Texas $152 $202 $303
San Juan city, Texas $151 $201 $302
Alamo city, Texas $149 $199 $299

Pharr, 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
Pharr, TX8.4%22.5%
McAllen-Pharr7.79%22.87%
San Juan7.58%24.71%
Alamo8.65%24.22%

Pharr Renters Insurance as a Percentage of Rent

Pharr Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 189 2.0% $360
$200 to $299 625 9.0% $810
$300 to $499 1,291 19.0% $1260
$500 to $749 2,149 31.0% $1935
$750 to $999 1,603 23.0% $2685
$1,000 to $1,499 697 10.0% $3810
$1,500 or more 205 3.0% $5460

Pharr, TX Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$1,600
Yearly Pharr Homeowner Insurance Premium Example $1,200$700
Out of Pocket Expense During Claim$600$1,600
Total Home Insurance Premium for 3 years + Out of Pocket Expense for Claim $4,200$3,700
Net Savings to Pharr Home Owner from High Deductible Plan $500

Pharr, TX Home Insurance Costs With Home Replacement Value Scenarios

Scenario Pharr, TX Home Replacement Value MORE than Home Value Pharr, TX Home Replacement Value LESS than Home Value
Replacement Value $77,000 $55,500
Insurance Premium based on Replacement Value $725 $525
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $14,500 Risk Exposure from Under Insuring Coverage is $7,000
Premium Impact Insurance cheaper by $75/year Insurance costlier by $125/year

Example Pharr Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceGEICO InsuranceAllstate
Monthly Premium 7994227
Year Built 200719912014
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 4 Baths
Coverage Amount $125000-$150000$150000-$175000$300000-$350000
Deductible $2500-$5000 Deductible$500- $1000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1993 120,000 Membrane Roof 2,270 3 $500 Deductible 150 2 Wood siding No
1997 120,000 Asphalt Shingles Roof 1,760 4 $500 Deductible 260 3 Brick siding No
1996 255,000 Tile Roof 4,870 5 > $10,000 Deductible 610 4 Fiber-Cement Siding yes
2010 205,000 Slate Shingles Roof 3,970 5 $2500-$5000 Deductible 540 5 Brick siding yes
2000 100,000 Asphalt Shingles Roof 1,730 4 $1000-$2500 Deductible 330 6 Stone Siding yes
2003 320,000 Shingles Roof 4,630 5 > $10,000 Deductible 1280 12 Stucco siding No
2008 155,000 Slate Shingles Roof 2,400 3 $500- $1000 Deductible 760 7 Stone Siding No
1990 190,000 Tile Roof 2,730 4 $2500-$5000 Deductible 270 3 Stucco siding No
1994 110,000 Metal Roof 2,150 5 $1000-$2500 Deductible 540 9 Wood siding No
2009 100,000 Slate Shingles Roof 1,640 3 $500- $1000 Deductible 730 10 Brick siding yes
2000 90,000 Metal Roof 1,550 3 $500- $1000 Deductible 320 5 Fiber-Cement Siding No
1990 135,000 Composition Roof 2,690 4 $500- $1000 Deductible 550 6 Fiber-Cement Siding yes
1992 175,000 Membrane Roof 2,520 4 $500 Deductible 780 6 Wood siding yes
1995 155,000 Asphalt Shingles Roof 2,790 4 $500- $1000 Deductible 970 9 Wood siding yes
2007 115,000 Slate Shingles Roof 2,380 4 $1000-$2500 Deductible 570 9 Brick siding yes
1992 85,000 Tile Roof 1,650 5 $1000-$2500 Deductible 480 9 Fiber-Cement Siding yes
2010 150,000 Shingles Roof 2,260 3 $1000-$2500 Deductible 700 10 Brick siding No
2010 175,000 Shingles Roof 2,760 4 $1000-$2500 Deductible 230 2 Wood siding yes
2008 110,000 Slate Shingles Roof 1,890 4 $500- $1000 Deductible 1140 12 Vinyl siding yes
1996 100,000 Slate Shingles Roof 2,050 4 $500 Deductible 370 5 Brick siding yes
1990 190,000 Slate Shingles Roof 4,140 5 $2500-$5000 Deductible 740 7 Fiber-Cement Siding No
2011 115,000 Metal Roof 2,200 3 $1000-$2500 Deductible 750 9 Brick siding yes
2011 105,000 Composition Roof 1,970 4 $1000-$2500 Deductible 110 2 Stone Siding No
1998 115,000 Metal Roof 2,010 4 $500 Deductible 70 1 Fiber-Cement Siding No
1997 260,000 Asphalt Shingles Roof 4,380 5 $1000-$2500 Deductible 280 2 Wood siding No
2012 105,000 Shingles Roof 2,040 4 $2500-$5000 Deductible 280 5 Stone Siding yes
1993 155,000 Shingles Roof 3,240 4 $5000 to $10,000 Deductible 630 9 Brick siding yes
2014 135,000 Tile Roof 2,220 3 $1000-$2500 Deductible 610 6 Fiber-Cement Siding No
1998 110,000 Tile Roof 1,920 4 $500 Deductible 510 7 Brick siding No
2013 170,000 Membrane Roof 2,850 5 $500 Deductible 640 4 Brick siding yes
1996 140,000 Membrane Roof 2,130 4 $1000-$2500 Deductible 550 7 Stone Siding yes
2006 85,000 Shingles Roof 1,650 4 $500 Deductible 670 12 Brick siding yes
2000 310,000 Tile Roof 4,460 5 $500- $1000 Deductible 860 4 Wood siding No
2010 150,000 Membrane Roof 2,800 4 $500- $1000 Deductible 390 4 Stucco siding yes

How To Make Your Pharr, TX Home Insurnace Cheaper