Waco Insurance Rates:

Waco ,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 Waco, 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 Waco, TX is $2031. Enter your zipcode below and click “GO” to get multiple free quotes.

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Home Insurance Companies in Waco, TX: Customer-Reviewed Options


Waco, TX Homeowners Insurance Rates by Coverage Level

It is important to understand the different coverage options available in Waco, TX. VHome Insurance will help you navigate the world of homeowners insurance coverages in Waco, TX.

Coverage Level Average Annual Premium
$100,000 $812
$200,000 $1,381
$300,000 $1,706
$400,000 $2,600
$500,000 $3,270


Waco, TX Homeowners Insurance Rates by ZIP Code

Home insurance costs in Waco can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.

Zipcode Average Insurance Premium
076706 $2,685
76701 $2,654
76707 $2,613
76710 $2,731
76708 $2,708


Waco, TX Homeowners Insurance Deductibles

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 Waco, TX, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $2,082
$1000 Deductible $1,862
$1500 Deductible $1,757
$2500 Deductible $1,584
$5000 Deductible $1,340



Top Home Insurance Agents Near Waco, TX

Home Insurance Company Near Waco, TX Homeowners Insurance Agency Near Waco, TX Address
Travelers Bkcw Lp 2100 TRIMMIER RD STE 100, KILLEEN, TX, 76541
State Farm Blake Harrell 720 Lake Air Dr, Waco, TX, 76710-5743
State Farm Brian Boyd 8809 Woodway Dr, Waco, TX, 76712-3634
State Farm David Jennings 1304 S First Street, Temple, TX, 76504-5761
State Farm Terry Strickland 4949 Franklin Ave, Waco, TX, 76710-6900

Waco, TX Home Insurance Agents for Top Companies


Waco, 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
Beverly Hills city, Texas $149 $199 $299
McLennan County, Texas $153 $204 $306
Woodway city, Texas $159 $212 $318


Waco, 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
Waco, TX7.1%19.3%
Beverly Hills10.21%23.92%
McLennan County6.95%19.05%

Waco Renters Insurance as a Percentage of Rent

Waco Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 840 2.0% $354
$200 to $299 602 2.0% $804
$300 to $499 2,926 10.0% $1254
$500 to $749 9,705 34.0% $1929
$750 to $999 7,746 27.0% $2679
$1,000 to $1,499 5,484 19.0% $3804
$1,500 or more 1,044 3.0% $5454

Cost Of Homeowners Insurance By Street Near Waco, TX

Streets in Waco Area Homeowners Insurance Cost
Westlake Dr, Clifton St, Knotty Oaks Dr, School St, Briar Ridge Dr, E Mitchell St, Iowa St, Earle Rd, Griffin Ave, Mill Creek Cir$1,003
Bear Loop, Arkansas Dr, N 50th St, Canterbury Dr, E Ross St, Maryland Ave, Mahalia Dr, Texas Central Pkwy, Greenway Dr, N New Rd$1,038
Tulum Ln, Ave C, Bellmead Dr, Spring Willow, S 33rd St, Davis St, Tranquil Ct, N 3rd St, Larry Ln, Snow Pea Dr$1,043
Austin Ave, S 10th St, Michigan St, Sydney Dr, Washington Ave, Texas Ave, Crosby Dr, Greer St, Dublin Dr, Merrifield Dr$1,002
Scroggins Dr, Topeka Dr, Lp 340 Svc Rd, Yellow Stone Rd, Spring Valley Hwy, Alma Rohn Dr, N 60th St, S Barbara St, Gunnison Dr, Coral Reef Rd$1,080
Woodcock Dr, Princelett Pl, Kiowa Ln, S 3rd St Rd, Lola's Ln, Estancia Rd, Silver Maple Dr, Sherwood Cir, Wildwood Cir, Lincoln City Rd$1,032
Shirley Dr, Huntington Dr, Harvey Dr, Saratoga St, Wilson Ave, Roselawn Dr, W Panther Way, Pebble Creek, Green Branch Cir, S Old Robinson Rd$1,039
Saintsbury Cir, Ironhorse Trl, Pecan Ave, Stonewood Ct, Kiowa Trl, S Valley Mills Dr, Maple Hill Cir, Rosewood Dr, Oak Forest Cir, Chapel Creek Dr$1,074
Cove, S Martin Luther King Jr Blvd, Acree St, Palomino Dr, Links Cir, Bridle Trl, Maywood Dr, Virginia Valley, Mill St, E Hamilton St$1,041
Ellis Ave, N 39th St, E Loop 340, Karl May Dr, Bogey Ln, Dickens Dr, Airport Rd, Myers Ln, Viking Dr, Lilac Ln$None

Waco, TX Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Waco$153 to $155
Beverly Hills$149
McLennan County$153

Waco, TX Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Waco Homeowner Insurance Premium Example $1,800$1,200
Out of Pocket Expense During Claim$700$3,700
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $13,300$12,100
Net Savings to Waco Home Owner from High Deductible Plan $1,200


Waco, TX Home Insurance Costs With Home Replacement Value Scenarios

Scenario Waco, TX Home Replacement Value MORE than Home Value Waco, TX Home Replacement Value LESS than Home Value
Replacement Value $223,500 $157,500
Insurance Premium based on Replacement Value $2,000 $1,425
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $32,000 Risk Exposure from Under Insuring Coverage is $34,000
Premium Impact Insurance cheaper by $300/year Insurance costlier by $275/year


Example Waco Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualState FarmAllstate
Monthly Premium 1016239
Year Built 196319751992
Home Details 2 Beds, 1 Baths4 Beds, 1 Baths3 Beds, 1 Baths
Coverage Amount $100000-$125000$125000-$150000$75000-$100000
Deductible $500 Deductible$5000 to $10,000 Deductible$2500-$5000 Deductible