Wharton Insurance Rates:

Wharton, TX homeowners insurance is approximately $854 to $1,163, about $71-$96/month. Our thorough analysis shows customers can save as much as $403 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Wharton, TX Homeowners Insurance By Home Value

Wharton, TX Home Value Total Homes % of Total Average Wharton, TX Homeowners Insurance
Less than $50,000 739 28.0% $312
$50,000 to $59,999 203 7.0% $655
$60,000 to $69,999 137 5.0% $816
$70,000 to $79,999 253 9.0% $947
$80,000 to $89,999 168 6.0% $1068
$90,000 to $99,999 133 5.0% $1199
$100,000 to $124,999 226 8.0% $1391
$125,000 to $149,999 150 5.0% $1733
$150,000 to $174,999 244 9.0% $2046
$175,000 to $199,999 98 3.0% $2368
$200,000 to $249,999 48 1.0% $2842
$250,000 to $299,999 168 6.0% $3477
$300,000 to $399,999 30 1.0% $4425

Top Home Insurance Agents Near Wharton, TX

Home Insurance Company Near Wharton, TX Homeowners Insurance Agency Near Wharton, TX Address
NA Twfg Insurance Services 5009 Caroline Ste. 202, Houston, TX, 77004
Liberty Mutual Independent Anthony Pham Inc Dba Ap Ins & Fin Services 10786 BELLAIRE BLVD STE B, HOUSTON, TX, 77072
Allstate Carmen Melillo 4502 Riverstone Blvd # 402, Missouri City, TX, 77459
State Farm Manny Martinez 7910 Westview Dr Ste B, Houston, TX, 77055-6753
State Farm Martha Groth 2919 Barker Cypr Rd Ste F, Houston, TX, 77084-6869

Cost Of Homeowners Insurance By Street Near Wharton, TX

Streets in Wharton Area Homeowners Insurance Cost
Kelley St, Co Rd 133, Roten Ln, Columbine Ave, Gallaher St, County Road 119 Rd, Boling Green Cir, Foote St, W Milam St, Boling Hwy$1,005
Wilson St, Co Rd 233, Macek Rd, Mangum Rd, Payne Rd, Co Rd 129, Ogden St, Elm Grove Rd, Colorado Dr, Center St$1,007
Co Rd 177, E Dahlgren Ave, Co Rd 132, N Caney Trails Dr, E Alabama Rd, Cottonwood St, Moore St, Wilke Rd, Halford Rd, Pecan Valley Rd$1,009
FM 3012, Branch St, Sunset Dr, Lowery Ln, Old Caney Rd, Hawes Rd, Co Rd 172, Debbie Ln, Hwy 59 N, E Bu 59 R Hwy$1,027
Turtle Creek Dr, Country Club Dr, Honeysuckle Ln, Montgomery Rd, Junior College Blvd, Olive St, FM 102, W 1st St, Merry Ln, Edwards Ln$1,022

Wharton, TX Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Wharton$150 to $153
Iago$147
Kendleton$150
Boling$149

Wharton, 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
Kendleton city, Texas $150 $200 $300
Boling-Newgulf CCD, Wharton County, Texas $150 $200 $300
Boling CDP, Texas $149 $199 $299

Wharton, 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
Wharton, TX7.9%22.5%
Kendleton9.36%18.98%
Boling-Newgulf7.41%21.03%
Boling9.61%20.17%

Wharton Renters Insurance as a Percentage of Rent

Wharton Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 94 4.0% $359
$200 to $299 31 1.0% $809
$300 to $499 467 24.0% $1259
$500 to $749 970 51.0% $1934
$750 to $999 287 15.0% $2684
$1,000 to $1,499 50 2.0% $3809

Wharton, TX Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$2,000
Yearly Wharton Homeowner Insurance Premium Example $900$700
Out of Pocket Expense During Claim$1,000$2,000
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $8,200$7,600
Net Savings to Wharton Home Owner from High Deductible Plan $600

Wharton, TX Home Insurance Costs With Home Replacement Value Scenarios

Scenario Wharton, TX Home Replacement Value MORE than Home Value Wharton, TX Home Replacement Value LESS than Home Value
Replacement Value $121,000 $78,000
Insurance Premium based on Replacement Value $925 $600
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $20,500 Risk Exposure from Under Insuring Coverage is $22,500
Premium Impact Insurance cheaper by $175/year Insurance costlier by $150/year

Example Wharton Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersState FarmLiberty Mutual
Monthly Premium 1059952
Year Built 197319671993
Home Details 5 Beds, 4 Baths4 Beds, 1 Baths3 Beds, 2 Baths
Coverage Amount $200000-$250000$125000-$150000$100000-$125000
Deductible $5000 to $10,000 Deductible$500- $1000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2006 75,000 Asphalt Shingles Roof 1,030 2 $500 Deductible 60 1 Stucco siding yes
1996 245,000 Asphalt Shingles Roof 3,330 4 $5000 to $10,000 Deductible 1170 10 Fiber-Cement Siding No
1997 140,000 Membrane Roof 2,340 3 $500 Deductible 170 2 Stone Siding No
2001 205,000 Asphalt Shingles Roof 3,230 4 $500 Deductible 1150 9 Fiber-Cement Siding yes
2003 135,000 Asphalt Shingles Roof 2,010 3 $500 Deductible 1180 12 Stucco siding No
2009 70,000 Asphalt Shingles Roof 1,310 3 $500 Deductible 410 10 Stucco siding No
1963 190,000 Wood Shake Roof 3,270 5 $5000 to $10,000 Deductible 950 12 Brick siding No
1988 130,000 Shingles Roof 1,770 3 $500 Deductible 240 2 Brick siding yes
1994 120,000 Asphalt Shingles Roof 2,070 3 $1000-$2500 Deductible 600 9 Vinyl siding yes
1996 115,000 Composition Roof 2,260 3 $500 Deductible 1040 12 Stone Siding No
1975 260,000 Metal Roof 3,790 5 $5000 to $10,000 Deductible 440 5 Fiber-Cement Siding yes
1997 95,000 Membrane Roof 1,580 3 $2500-$5000 Deductible 580 12 Stone Siding yes
1973 125,000 Slate Shingles Roof 1,740 4 $500 Deductible 280 3 Stucco siding No
1985 295,000 Tile Roof 4,460 5 $2500-$5000 Deductible 1660 10 Fiber-Cement Siding No
2001 60,000 Composition Roof 990 2 $500 Deductible 270 7 Wood siding yes
1989 125,000 Composition Roof 2,070 4 $500- $1000 Deductible 270 3 Wood siding yes
2002 145,000 Shingles Roof 2,810 4 $500 Deductible 500 4 Wood siding yes
1994 200,000 Composition Roof 2,920 4 $500 Deductible 850 6 Stone Siding yes
1963 110,000 Metal Roof 1,640 5 $2500-$5000 Deductible 510 8 Stucco siding No
1966 120,000 Composition Roof 1,770 2 $2500-$5000 Deductible 320 4 Brick siding No
1991 115,000 Composition Roof 1,690 2 $500- $1000 Deductible 640 7 Stone Siding No
1982 75,000 Asphalt Shingles Roof 1,210 2 $2500-$5000 Deductible 100 2 Fiber-Cement Siding yes
1985 180,000 Asphalt Shingles Roof 2,430 4 $500 Deductible 480 4 Vinyl siding No
2003 130,000 Metal Roof 1,750 3 $500- $1000 Deductible 1040 12 Fiber-Cement Siding yes
1980 95,000 Metal Roof 1,420 2 $1000-$2500 Deductible 110 2 Wood siding yes
1983 120,000 Wood Shake Roof 1,740 2 $1000-$2500 Deductible 340 6 Brick siding No
1965 80,000 Membrane Roof 1,110 2 $500 Deductible 160 3 Brick siding No
1965 165,000 Wood Shake Roof 2,220 3 $5000 to $10,000 Deductible 790 9 Stucco siding yes
1992 120,000 Composition Roof 1,800 5 $500- $1000 Deductible 810 10 Brick siding yes
2004 95,000 Shingles Roof 1,350 3 $1000-$2500 Deductible 340 7 Wood siding yes
1993 115,000 Composition Roof 1,640 3 $500 Deductible 690 6 Brick siding yes