Temple Insurance Rates:

Temple, TX homeowners insurance is roughly $871 to $1,180, about $72-$98/month. Our complete guide shows customers can save upto $410 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
I love that state farm was there for me during my car crash, and they covered the bulk of the costs.
State Farm
State farm has been trying to find a loop hole out of every claim that i submit. absolutely greedy and mischievous!
Allstate
I also enjoy the fact that insurance company recommends ways i can save money on my plan; so far so good.
Allstate
Overall the company has a good reputation. They have a good website and mobile app. Their agents are very knowledgeable.
State Farm
Farmer’s website is easy to navigate. It is not hard to search the website to find the information that you are looking for.
Nationwide
I have not really found much to dislike about the company. The only very small issue that I have had was that they seemed to want me to physically drive in and discuss my policy with them once a year. I would rather do this another way, such as by email or by phone.
Geico
I can't really say much that I dislike except that every year my policy raises a couple dollars.
State Farm
My communication and interaction have been very fast and quick. Actually, I haven't needed to message them much at all. Because of this, it's not a big deal.

Temple, TX Homeowners Insurance By Home Value

Temple, TX Home Value Total Homes % of Total Average Temple, TX Homeowners Insurance
Less than $50,000 1,285 8.0% $225
$50,000 to $59,999 601 4.0% $482
$60,000 to $69,999 642 4.0% $595
$70,000 to $79,999 999 6.0% $687
$80,000 to $89,999 1,647 11.0% $790
$90,000 to $99,999 1,270 8.0% $882
$100,000 to $124,999 2,733 18.0% $1015
$125,000 to $149,999 1,948 13.0% $1272
$150,000 to $174,999 1,439 9.0% $1508
$175,000 to $199,999 627 4.0% $1733
$200,000 to $249,999 750 5.0% $2093
$250,000 to $299,999 452 3.0% $2554
$300,000 to $399,999 394 2.0% $3252

Top Home Insurance Agents Near Temple, TX

Home Insurance Company Near Temple, TX Homeowners Insurance Agency Near Temple, TX Address
NA Finney Insurance Agency Finney Insurance Group, Lp Dba 820 S Main St, Belton, TX, 76513
State Farm Bart Romig 919 N Valley Mills Dr Ste A, Waco, TX, 76710-4660
Allstate K. Sue Reiley 1801 Trimmier Rd Ste A1, Killeen, TX, 76541
State Farm Matt Dill 1000 S New Rd Ste 180, Waco, TX, 76711-1300
State Farm Mike Acosta 510 S 2nd, Killeen, TX, 76541-7116

Cost Of Homeowners Insurance By Street Near Temple, TX

Streets in Temple Area Homeowners Insurance Cost
W Zenith Ave, Deerfield Dr, W Victory Ave, Fawn Meadows Dr, Sundance Dr, W Ave E, Bridgepointe Dr, E Young Ave, Cryer Ln, Bluebonnet Ln$1,040
Gary St, Bordeaux Pl, Pepper Creek Rd, 16th Street Aly, Westway Dr, E French Ave, W Downs Ave, N Montpark Rd, Fryers Creek, Vela Way$1,034
Oxford Dr, Wood Creek Dr, Katy St, Bowie Trl, E Marvin R Felder Dr, Gila Trl, Skyview, S 15th St, Sioux, N 12th St$1,043
Shallow Ford West Rd, E Xavier Ave, Keller Rd, Fryers Creek Dr, Eagles Nest Cove, Venus Dr, Wolverine Trl, Sienna Cove, Oak Chase Trl, S 53rd St$1,040
Vista Valley Dr, Avalon Rd, Twin City Blvd, Alderwood Ln, W Mesquite Dr, Ottoway Dr, E Shell Ave, Tucson Dr, Airport Trl, Southern Draw Dr$1,041
Paul Revere St, E Houston Ave, Deer Trl, Birdcreek Ter, Southwood Dr, Danbury Dr, Champion Dr, Willow Rd, Old Hwy 95, Surrey Dr$1,035
Reed's Lake, Little River Rd, Linwood Rd, S Cedar Rd, Old Waco Ln, Ridge Way Dr, High Pointe Dr, Shadow Canyon Dr, Lawnwood Cir, E FM 93$1,037
Acres Rd, S 24th St, Valley Forge Ave, State Loop 363, Commerce St, Rolling Hills Dr, W Ave Q, Pecan Bluff, FM 2305, Martin Luther King Jr Dr$1,011
Waterbury Dr, Oak Xing, Friendship Ln, Waterbury Ct, Cearley Rd, Ruggles Loop, John Paul Jones Dr, Arbor Dr, 39th St, Arthur Rd$1,034
49th St, 47th St, Greenbriar Ct, Jack Baskin St, W Ave S, Enterprise Rd, Robinhood Dr, Market Loop, Wren Cir, Waterford Dr$1,046

Temple, TX Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Temple$153 to $156
Little River-Academy$153
Belton$155
Bell County$154

Temple, 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
Little River-Academy city, Texas $128 $170 $255
Belton CCD, Bell County, Texas $129 $172 $258
East Bell CCD, Bell County, Texas $128 $171 $256

Temple, 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
Temple, TX7.2%19.0%
Little River-Academy8.71%20.68%
Belton7.13%17.57%
East Bell7.39%19.8%

Temple Renters Insurance as a Percentage of Rent

Temple Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 290 2.0% $353
$200 to $299 367 3.0% $803
$300 to $499 902 9.0% $1253
$500 to $749 2,799 28.0% $1928
$750 to $999 2,685 27.0% $2678
$1,000 to $1,499 2,127 21.0% $3803
$1,500 or more 519 5.0% $5453

Temple, TX Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$1,900
Yearly Temple Homeowner Insurance Premium Example $1,300$1,100
Out of Pocket Expense During Claim$900$1,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $11,300$10,700
Net Savings to Temple Home Owner from High Deductible Plan $600

Temple, TX Home Insurance Costs With Home Replacement Value Scenarios

Scenario Temple, TX Home Replacement Value MORE than Home Value Temple, TX Home Replacement Value LESS than Home Value
Replacement Value $114,500 $70,000
Insurance Premium based on Replacement Value $825 $500
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $27,000 Risk Exposure from Under Insuring Coverage is $17,500
Premium Impact Insurance cheaper by $125/year Insurance costlier by $200/year

Example Temple Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualAllstateGEICO Insurance
Monthly Premium 819196
Year Built 200119901966
Home Details 3 Beds, 2 Baths2 Beds, 1 Baths5 Beds, 1 Baths
Coverage Amount $125000-$150000$100000-$125000$125000-$150000
Deductible $2500-$5000 Deductible$500 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2010 95,000 Tile Roof 1,080 2 $1000-$2500 Deductible 270 5 Stucco siding No
2013 330,000 Metal Roof 4,300 5 $1000-$2500 Deductible 2640 12 Vinyl siding No
1998 165,000 Slate Shingles Roof 1,860 5 $1000-$2500 Deductible 240 3 Stone Siding yes
1983 105,000 Metal Roof 1,500 2 $500- $1000 Deductible 200 3 Stone Siding No
1969 150,000 Asphalt Shingles Roof 2,460 4 $500- $1000 Deductible 110 1 Brick siding yes
1964 70,000 Slate Shingles Roof 910 2 $500 Deductible 50 1 Brick siding yes
1987 95,000 Wood Shake Roof 1,430 3 $1000-$2500 Deductible 220 3 Vinyl siding No
1985 200,000 Asphalt Shingles Roof 2,810 4 $2500-$5000 Deductible 1160 9 Stucco siding yes
2009 150,000 Metal Roof 1,800 4 $1000-$2500 Deductible 180 3 Vinyl siding No
1985 175,000 Membrane Roof 2,800 4 $5000 to $10,000 Deductible 280 3 Stone Siding yes
1963 150,000 Composition Roof 2,000 3 $5000 to $10,000 Deductible 240 4 Vinyl siding No
2000 165,000 Tile Roof 1,970 4 $500- $1000 Deductible 460 5 Fiber-Cement Siding yes
2004 235,000 Membrane Roof 2,990 5 $2500-$5000 Deductible 1960 12 Stucco siding No
1985 110,000 Shingles Roof 1,540 3 $500 Deductible 230 3 Wood siding yes
1969 120,000 Asphalt Shingles Roof 1,760 4 $1000-$2500 Deductible 560 7 Fiber-Cement Siding yes
1991 220,000 Slate Shingles Roof 2,980 5 $500 Deductible 520 4 Stucco siding yes
2014 200,000 Tile Roof 2,280 4 $5000 to $10,000 Deductible 1450 12 Stone Siding yes
2014 85,000 Shingles Roof 1,160 2 $500 Deductible 730 12 Vinyl siding No
2014 270,000 Metal Roof 3,370 5 $2500-$5000 Deductible 750 4 Wood siding No
1965 210,000 Metal Roof 2,800 4 > $10,000 Deductible 530 6 Vinyl siding No
1965 375,000 Shingles Roof 4,560 5 $2500-$5000 Deductible 560 3 Stucco siding yes
1990 95,000 Asphalt Shingles Roof 1,330 2 $2500-$5000 Deductible 150 3 Fiber-Cement Siding yes
1999 110,000 Asphalt Shingles Roof 1,350 3 $500 Deductible 410 6 Brick siding No
1986 150,000 Wood Shake Roof 2,270 3 $500- $1000 Deductible 800 7 Stone Siding No
2014 80,000 Composition Roof 1,350 3 $500 Deductible 400 6 Vinyl siding No
2004 240,000 Wood Shake Roof 3,060 5 $500- $1000 Deductible 160 1 Vinyl siding No
1960 220,000 Composition Roof 3,280 4 $500 Deductible 340 2 Vinyl siding No