Waco Insurance Rates:

Waco, TX homeowners insurance is about $867 to $1,176, about $72-$98/month. Our all inclusive research shows customers can save as much as $408 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Geico
There is not much more I can say. If you read what I've already written to the previous questions, GEICO has been amazing to work with in times of need. Their insurance quotes are reasonable.
American National Insurance
Sometimes my agent is out of the office when i need something and they are unable to help me becase they do not have access to each others customers.
Blue Cross Blue Shield
We have never had a bad customer service experience with this insurance carrier before, and i think that shows well how the company runs.
Allstate
I would say the premium and deductible are about the same as other home insurance policies. There are some cut rate policies that charge a lot less, but the coverage is minimal also.
State Farm
A couple of times a year, I check other companies' offerings and premiums, comparing deductibles and coverages, and I have not been able to find anything worth making me switch from State Farm.
State Farm
Have a vast variety for every need and budget. Give you all your options, stay within your budget and tailor to the customer.
Travelers
My deductible is only $500 whereas other companies I have called for quotes want to quote me a policy with a $1000 deductible which I think is way too high.
Progressive
The premium and deductible were standard across the board for all the insurance companies I shopped with. They all were very very close in price and this one was right there with them.
Metlife
I haven't had a claim so haven't had a good or bad experience.
Geico
I love my insurance company. at first, i figured they were just like the rest, big and expensive. but after my little no-name rep in town went under and i started price shopping, geico really did save me 15% or more in 15 minutes on car insurance.
Allstate
Ad placement. i might be digging a bit here, but i am still used to seeing the same person on most ads, not really anything that shows me what this company is, and how it will help me.
State Farm
State Farm is great about paying claims and honoring their commitment. I had roof damage and they immediately sent someone out to look at it and they paid immediately.
Progressive
I find that the website and application to be clean and clear cut when finding information. I haven't had to utilize the tool to file a claim to date.
State Farm
I dislike how sometimes the agents don't have the knowledge that they should working for this company.
Liberty Mutual
I can pay my premiums on the website but I can't make changes to my home or car insurance policies.
Liberty Mutual
company customer services in like. I am very satisfied with the customer services
Liberty Mutual
I enjoyed the fact that they were able to work with me and set up a payment plan that works
Travelers
The company has been in business for a very long time. I like that they cater to the U.S. military and its personnel, and offer competitive pricing and value.
State Farm
State Farm, especially my agent, is friendly, down to earth, and quick with their service. Overall their prices are very affordable for my budget.
State Farm
I like that the company cares a lot. I am a fan of them and I think that other people will like them as well.
Liberty Mutual
This company has been easy to use and we have not had any difficulties. Our experience is limited being we have not had to file any claims while we have been with them.
State Farm
I recommend this company because they work to get you the best coverage for the best price. if you are quoted a better price they analyze the coverage with you to find the differences, and match prices if necessary. They are prompt and polite with customer service as well.
American Strategic Insurance
I would definitely recommend this company to anyone looking for insurance. they are great at what they do, they have a great staff and are very reliable.
Progressive
i recommend this home insurance company because they are very good and customer friendly they solve the customer issues quickly they help the customers by low interest and easy payment methods
Blue Cross Blue Shield
The company seems to offer a very good premium and their communication seems very prompt and organized. I haven't filed a claim with them yet so I don't know how well that process is.
Allstate
Allstate is a great company to work for, they have great customer service. They are always friendly and have good coverages and decent pricing.

Waco, TX Homeowners Insurance By Home Value

Waco, TX Home Value Total Homes % of Total Average Waco, TX Homeowners Insurance
Less than $50,000 5,936 17.0% $245
$50,000 to $59,999 1,967 5.0% $520
$60,000 to $69,999 2,351 6.0% $643
$70,000 to $79,999 2,013 5.0% $745
$80,000 to $89,999 2,172 6.0% $837
$90,000 to $99,999 2,653 7.0% $939
$100,000 to $124,999 4,308 12.0% $1092
$125,000 to $149,999 3,189 9.0% $1368
$150,000 to $174,999 3,111 9.0% $1613
$175,000 to $199,999 2,189 6.0% $1858
$200,000 to $249,999 2,269 6.0% $2235
$250,000 to $299,999 1,072 3.0% $2736
$300,000 to $399,999 1,025 2.0% $3481

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


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
Woodway$159

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%
Woodway5.34%13.64%

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

Waco, TX Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$3,700
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

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1972 200,000 Asphalt Shingles Roof 3,400 4 $5000 to $10,000 Deductible 500 6 Fiber-Cement Siding yes
2010 105,000 Membrane Roof 1,650 2 $500 Deductible 640 9 Vinyl siding yes
2012 205,000 Slate Shingles Roof 2,630 5 $1000-$2500 Deductible 500 4 Stone Siding No
2013 90,000 Shingles Roof 1,190 2 $2500-$5000 Deductible 300 5 Stone Siding yes
1998 185,000 Asphalt Shingles Roof 2,330 3 $2500-$5000 Deductible 780 7 Stucco siding No
1970 110,000 Asphalt Shingles Roof 1,280 2 $500 Deductible 650 9 Fiber-Cement Siding No
1963 125,000 Wood Shake Roof 1,580 2 $500- $1000 Deductible 830 9 Fiber-Cement Siding No
2012 125,000 Composition Roof 1,950 4 $500- $1000 Deductible 850 12 Stone Siding yes
1971 95,000 Asphalt Shingles Roof 1,250 2 $1000-$2500 Deductible 120 2 Vinyl siding No
2011 160,000 Asphalt Shingles Roof 2,130 5 $500 Deductible 780 7 Brick siding yes
1999 195,000 Composition Roof 2,900 5 $5000 to $10,000 Deductible 570 7 Fiber-Cement Siding No
1969 115,000 Asphalt Shingles Roof 1,650 4 $2500-$5000 Deductible 150 3 Stone Siding No
1983 255,000 Wood Shake Roof 3,080 5 > $10,000 Deductible 1080 10 Vinyl siding No
1985 175,000 Membrane Roof 2,390 4 $500 Deductible 1370 12 Vinyl siding yes
1978 85,000 Tile Roof 1,510 2 $1000-$2500 Deductible 60 1 Stucco siding No
2010 210,000 Tile Roof 2,540 5 $5000 to $10,000 Deductible 870 10 Stucco siding yes
1970 160,000 Membrane Roof 2,220 3 $2500-$5000 Deductible 310 3 Stone Siding yes
1982 130,000 Asphalt Shingles Roof 1,670 4 $1000-$2500 Deductible 420 7 Stone Siding No
1989 225,000 Wood Shake Roof 2,900 4 $500 Deductible 1350 9 Fiber-Cement Siding yes
1969 225,000 Tile Roof 2,790 4 $500- $1000 Deductible 2040 10 Fiber-Cement Siding No
1989 120,000 Metal Roof 2,010 3 $1000-$2500 Deductible 390 4 Fiber-Cement Siding yes
1979 145,000 Slate Shingles Roof 1,740 5 $500 Deductible 120 1 Stucco siding No
1994 130,000 Asphalt Shingles Roof 1,620 4 $500- $1000 Deductible 180 2 Stone Siding No
1996 100,000 Wood Shake Roof 1,630 3 $500 Deductible 150 2 Fiber-Cement Siding No
1995 340,000 Slate Shingles Roof 4,320 5 $500- $1000 Deductible 1830 10 Brick siding No
1974 165,000 Metal Roof 2,870 4 $500- $1000 Deductible 260 3 Stone Siding yes
1981 80,000 Asphalt Shingles Roof 1,430 2 $1000-$2500 Deductible 550 12 Stucco siding No
1961 130,000 Tile Roof 1,510 3 $500- $1000 Deductible 520 6 Vinyl siding No
2012 260,000 Wood Shake Roof 3,300 5 $500- $1000 Deductible 1120 7 Fiber-Cement Siding No
1965 200,000 Slate Shingles Roof 3,290 4 $1000-$2500 Deductible 520 4 Vinyl siding yes

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