Vernon Insurance Rates:

Vernon, TX homeowners insurance is about $844 to $1,146, about $70-$95/month. Our exhaustive analysis indicates shoppers can save upto $398 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Vernon, TX Homeowners Insurance By Home Value

Vernon, TX Home Value Total Homes % of Total Average Vernon, TX Homeowners Insurance
Less than $50,000 1,229 43.0% $437
$50,000 to $59,999 286 10.0% $925
$60,000 to $69,999 227 8.0% $1144
$70,000 to $79,999 132 4.0% $1323
$80,000 to $89,999 169 6.0% $1502
$90,000 to $99,999 186 6.0% $1681
$100,000 to $124,999 189 6.0% $1950
$125,000 to $149,999 76 2.0% $2437
$150,000 to $174,999 132 4.0% $2875
$175,000 to $199,999 47 1.0% $3323
$200,000 to $249,999 93 3.0% $3989

Top Home Insurance Agents Near Vernon, TX

Home Insurance Company Near Vernon, TX Homeowners Insurance Agency Near Vernon, TX Address
Travelers Allred Thompson Mason Daughtery Ins 1300 TENTH ST, WICHITA FALLS, TX, 76307
State Farm David Webb 915 East Broadway, Altus, OK, 73521-5518
Travelers Hopkins Ins Agcy 204 AVENUE H, CHILLICOTHE, TX, 79225
Allstate Mark Inman Insurance Agency 1401 KEMP BLVD, WICHITA FALLS, TX, 76309
Farmers Terry "Ta" Allen 1416 N Park Ln Ste A, Altus, OK, 73521

Cost Of Homeowners Insurance By Street Near Vernon, TX

Streets in Vernon Area Homeowners Insurance Cost
Deaf Smith St, Deaf Smith St, Saint James Rd, London St, Palmer Dr, Bismarck St, Eastland St, Wood St, Houston St, State Spur 488$998
Circle Dr, Maple St, Garland Johnston Dr, Indian St, Center Dr, Commerce St, Lexington St, Park Ln, Gordon St, Canal St$992
US Hwy 70, Sandalwood, Nabers St, Cannon Ave, Dawson St, Sunset Cir, Sherman St, Wanderer St, US Hwy 283 N, Cottonwood Ln$1,000
Kelly St, Twin Oaks Dr, FM 1763 E, FM 2073, Nabers St, Spanish Oak, Stephens St, Bentley St, Pease St, Clair Dr$982
Yamparika St, Roberta St, US Hwy 183 S, Lorance St, Leonard St, Houston St, Una Dr, Enid Dr, Main St, Eagle St$980

Vernon, TX Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Vernon$148 to $151
Wilbarger County$149
Fargo-Odell$151
Harrold-Oklaunion$147

Vernon, 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
Wilbarger County, Texas $149 $199 $299
Fargo-Odell CCD, Wilbarger County, Texas $152 $202 $303
Lockett CCD, Wilbarger County, Texas $151 $201 $302

Vernon, 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
Vernon, TX9.1%21.1%
Wilbarger County9.06%20.75%
Fargo-Odell7.36%18.87%
Lockett9.49%22.4%

Vernon Renters Insurance as a Percentage of Rent

Vernon Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 139 9.0% $363
$200 to $299 136 9.0% $813
$300 to $499 280 19.0% $1263
$500 to $749 510 34.0% $1938
$750 to $999 282 19.0% $2688
$1,000 to $1,499 82 5.0% $3813
$1,500 or more 37 2.0% $5463

Vernon, TX Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,900$2,900
Yearly Vernon Homeowner Insurance Premium Example $1,100$900
Out of Pocket Expense During Claim$1,900$2,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $10,700$10,100
Net Savings to Vernon Home Owner from High Deductible Plan $600

Vernon, TX Home Insurance Costs With Home Replacement Value Scenarios

Scenario Vernon, TX Home Replacement Value MORE than Home Value Vernon, TX Home Replacement Value LESS than Home Value
Replacement Value $46,000 $29,500
Insurance Premium based on Replacement Value $375 $250
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $10,500 Risk Exposure from Under Insuring Coverage is $6,000
Premium Impact Insurance cheaper by $50/year Insurance costlier by $75/year

Example Vernon Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceAllstateTravelers
Monthly Premium 355699
Year Built 197319451958
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths4 Beds, 1 Baths
Coverage Amount $50000-$75000$75000-$100000$175000-$200000
Deductible $1000-$2500 Deductible$2500-$5000 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1970 85,000 Tile Roof 1,400 3 $2500-$5000 Deductible 310 6 Brick siding yes
1943 100,000 Composition Roof 1,940 3 $500 Deductible 840 9 Stucco siding No
1984 145,000 Metal Roof 2,490 4 $2500-$5000 Deductible 660 9 Wood siding yes
1963 190,000 Composition Roof 3,170 4 $2500-$5000 Deductible 700 6 Fiber-Cement Siding yes
1964 145,000 Asphalt Shingles Roof 3,230 4 $500 Deductible 290 2 Fiber-Cement Siding yes
1953 70,000 Asphalt Shingles Roof 1,650 3 $500- $1000 Deductible 380 8 Stone Siding No
1958 180,000 Shingles Roof 3,180 4 $1000-$2500 Deductible 260 2 Stone Siding No
1946 55,000 Asphalt Shingles Roof 940 2 $500- $1000 Deductible 40 1 Stone Siding yes
1981 110,000 Composition Roof 2,570 4 $500- $1000 Deductible 630 8 Stucco siding No
1983 190,000 Composition Roof 3,140 4 $500- $1000 Deductible 150 1 Brick siding No
1942 110,000 Tile Roof 1,770 2 $1000-$2500 Deductible 550 8 Stucco siding yes
1951 90,000 Slate Shingles Roof 2,090 3 $1000-$2500 Deductible 130 2 Fiber-Cement Siding yes
1948 55,000 Asphalt Shingles Roof 1,240 3 $500- $1000 Deductible 160 7 Vinyl siding yes
1961 105,000 Shingles Roof 1,710 2 $2500-$5000 Deductible 100 2 Fiber-Cement Siding yes
1962 65,000 Shingles Roof 1,390 2 $500- $1000 Deductible 90 2 Wood siding yes
1963 90,000 Shingles Roof 1,670 4 $500- $1000 Deductible 270 4 Vinyl siding yes
1980 60,000 Asphalt Shingles Roof 1,450 2 $500 Deductible 110 5 Brick siding yes
1955 135,000 Metal Roof 2,250 3 $500 Deductible 660 8 Vinyl siding yes
1947 140,000 Metal Roof 2,310 3 $2500-$5000 Deductible 290 5 Stucco siding yes
1953 95,000 Slate Shingles Roof 1,530 3 $500- $1000 Deductible 60 1 Fiber-Cement Siding yes
1979 110,000 Asphalt Shingles Roof 2,110 3 $1000-$2500 Deductible 370 4 Stucco siding yes
1976 105,000 Asphalt Shingles Roof 1,860 4 $2500-$5000 Deductible 400 7 Stucco siding No
1965 75,000 Slate Shingles Roof 1,310 3 $500 Deductible 220 5 Wood siding yes
1965 40,000 Metal Roof 950 2 $500 Deductible 230 10 Stone Siding yes
1977 120,000 Metal Roof 2,330 3 $1000-$2500 Deductible 550 6 Vinyl siding yes
1981 75,000 Tile Roof 1,270 2 $500- $1000 Deductible 860 12 Stone Siding yes
1975 120,000 Shingles Roof 1,980 3 $1000-$2500 Deductible 260 3 Fiber-Cement Siding yes
1951 70,000 Shingles Roof 1,340 2 $2500-$5000 Deductible 310 8 Vinyl siding No
1962 100,000 Asphalt Shingles Roof 2,010 3 $2500-$5000 Deductible 340 8 Stone Siding yes
1970 85,000 Slate Shingles Roof 1,760 3 $500- $1000 Deductible 290 6 Vinyl siding No
1942 70,000 Membrane Roof 1,360 3 $2500-$5000 Deductible 470 10 Wood siding No
1954 90,000 Shingles Roof 1,610 2 $1000-$2500 Deductible 60 1 Stone Siding No
1969 140,000 Metal Roof 2,750 4 $2500-$5000 Deductible 980 10 Fiber-Cement Siding No
1949 110,000 Metal Roof 2,240 3 $2500-$5000 Deductible 480 8 Stone Siding No