Port Arthur ,TX Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Port Arthur, TX homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Port Arthur, TX is $1979. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Port Arthur, TX. VHome Insurance will help you navigate the world of homeowners insurance coverages in Port Arthur, TX.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $792 |
| $200,000 | $1,346 |
| $300,000 | $1,662 |
| $400,000 | $2,533 |
| $500,000 | $3,186 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Port Arthur, TX, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $2,029 |
| $1000 Deductible | $1,815 |
| $1500 Deductible | $1,712 |
| $2500 Deductible | $1,544 |
| $5000 Deductible | $1,306 |
| Home Insurance Company Near Port Arthur, TX | Homeowners Insurance Agency Near Port Arthur, TX | Address |
|---|---|---|
| State Farm | Bill Nickum | 1930 Texas Ave, Bridge City, TX, 77611-2834 |
| Liberty Mutual Independent | Clarke Insurance Inc | 4840 Lake St. Lake Charles, Lake Charles, LA, 70605 |
| Farmers | Jewel Cole Lutcf | 3725 Stagg Dr, Beaumont, TX, 77701 |
| Allstate | Maria Flores | 5244 Gulfway Dr, Port Arthur, TX, 77642 |
| Farmers | Matthew Purgahn | 1401 Green Ave, Orange, TX, 77630 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Port Neches city, Texas | $155 | $207 | $311 |
| Groves city, Texas | $152 | $203 | $305 |
| Nederland city, Texas | $154 | $205 | $308 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Port Arthur, TX | 7.1% | 22.2% |
| Port Neches | 6.43% | 17.85% |
| Groves | 6.94% | 21.39% |
| Nederland | 7.11% | 18.73% |
| Port Arthur Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 673 | 5.0% | $357 |
| $200 to $299 | 777 | 6.0% | $807 |
| $300 to $499 | 1,248 | 10.0% | $1257 |
| $500 to $749 | 4,174 | 35.0% | $1932 |
| $750 to $999 | 3,023 | 25.0% | $2682 |
| $1,000 to $1,499 | 1,727 | 14.0% | $3807 |
| $1,500 or more | 184 | 1.0% | $5457 |
| Streets in Port Arthur Area | Homeowners Insurance Cost |
|---|---|
| Willow Bend Ct, James Ave, Magnolia Ave, Sunken Ct, Fairway Meadows Dr, 60th St, Charles Ave, Drawhorn Dr, Hamilton Court Dr, 61st St | $1,044 |
| Eyre St, 53rd St, Evergreen Dr, Dixie Dr, Fort Worth Ave, Amy St, Linn St, Medical Triangle Dr, Marshall Ave, Honeywood Trl | $1,013 |
| Southwind, Washington, Jimmy Johnson Blvd, Boyd Ave, 77th St, Amherst St, FM 3514, Mimosa St, S 3 1/2 St, Manning St | $1,013 |
| Gloria Ct, Oak S, 35th St, Royal Meadows Blvd, Zion St, Dr Rev Ransom Howard, Montclair Dr, Oakmont Dr, 46th St, Reynolds Ln | $1,057 |
| Cobblestone Ln, Avenue M Ave, Ave O, Orchid St, Ridgewood Dr, Sassine Ave, E Kitchen Dr, N 15th St, Live Oak St, Kelliwood Dr | $1,051 |
| N 16th St, Cherry St, N 22nd St, Galveston Ave, N 26th St, Zwolle Blvd, N 18th St, Bryan Ave, Afton St, Boston Ave | $1,018 |
| Tulane Ave, Bluebonnet Ave, Erwin St, Mire St, S 9th St, Delta Dr, Sheridan Ln, Graves Ave, Cedar Springs Ln, Lavender St | $1,038 |
| Mazur Dr, Avenue B Ave, Amino St, Sabine Ave, Dorsey St, Milo Ave, Shelley Dr, Waco Ave, Pecan St, Avalon Ave | $1,033 |
| Big Bend Ave, Sunken Ct, Wagner St, Lake Tahoe, Pure Oil Rd, S 16th St, Dogwood Ln, Turtle Creek Dr, Terrace Ave, Hickory | $1,019 |
| W Boston Ave, Cheryl Ct, Canal St, W Parkway St, Newton Ave, 38th St, Atlanta Ave, Briarwood Ln, Bowlin Ave, Monroe St | $1,011 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Port Arthur | $151 to $154 |
| Port Neches | $155 |
| Groves | $152 |
| Nederland | $154 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $700 | $1,700 |
| Yearly Port Arthur Homeowner Insurance Premium Example | $800 | $600 |
| Out of Pocket Expense During Claim | $700 | $1,700 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $7,100 | $6,500 |
| Net Savings to Port Arthur Home Owner from High Deductible Plan | $600 | |
| Scenario | Port Arthur, TX Home Replacement Value MORE than Home Value | Port Arthur, TX Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $202,000 | $128,500 |
| Insurance Premium based on Replacement Value | $1,550 | $1,000 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $28,000 | Risk Exposure from Under Insuring Coverage is $45,500 |
| Premium Impact | Insurance cheaper by $350/year | Insurance costlier by $200/year |
| Insurance Company | Amica Mutual Insurance Company | Nationwide Insurance | Chubb Group of Insurance |
| Monthly Premium | 91 | 96 | 77 |
| Year Built | 1961 | 1956 | 1992 |
| Home Details | 2 Beds, 1 Baths | 3 Beds, 2 Baths | 4 Beds, 2 Baths |
| Coverage Amount | $100000-$125000 | $125000-$150000 | $100000-$125000 |
| Deductible | $500 Deductible | $500 Deductible | $500- $1000 Deductible |