Waco, TX Home Insurance - Analysis On Quotes, Rates & Agents
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.
Latest Home Insurance Reviews
Liberty MutualI can pay my premiums on the website but I can't make changes to my home or car insurance policies.
Liberty Mutualcompany customer services in like. I am very satisfied with the customer services
Liberty MutualI enjoyed the fact that they were able to work with me and set up a payment plan that works
TravelersThe 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 FarmState Farm, especially my agent, is friendly, down to earth, and quick with their service. Overall their prices are very affordable for my budget.
State FarmI 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 MutualThis 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 FarmI 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.
MetlifeI haven't had a claim so haven't had a good or bad experience.
Blue Cross Blue ShieldThe 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.
GeicoI 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.
AllstateAd 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.
American National InsuranceSometimes 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.
State FarmState 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.
Blue Cross Blue ShieldWe have never had a bad customer service experience with this insurance carrier before, and i think that shows well how the company runs.
ProgressiveI 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 FarmI dislike how sometimes the agents don't have the knowledge that they should working for this company.
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 |
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
| Place | Savings 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
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Waco, TX | 7.1% | 19.3% |
| Beverly Hills | 10.21% | 23.92% |
| McLennan County | 6.95% | 19.05% |
| Woodway | 5.34% | 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 Deductible | High 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 Mutual | State Farm | Allstate |
| Monthly Premium | 101 | 62 | 39 |
| Year Built | 1963 | 1975 | 1992 |
| Home Details | 2 Beds, 1 Baths | 4 Beds, 1 Baths | 3 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 |
|---|---|---|---|---|---|---|---|---|---|
| 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 |