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Home Insurance in 75070

One of the best ways to save money on your homeowners insurance policy in the 75070 zip code is to shop your coverage on a regular basis. If your premium has been headed up in the last few years, we can help you find a great policy from the comfort of your own living room.

GetHomeInsuranceQuotes.com is the easiest way to shop for competitive homeowners insurance rates in in Mckinney, TX. A few clicks of the mouse and we will show you quotes from up to 12 nationwide carriers who are happy to compete for your business.

As always, our service is free and our Texas licensed agents can advise you on the coverages you need as well as the coverage levels you should be carrying to fully protect your property and possessions. They will also be happy to answer any questions you may have and explain the details of your homeowners insurance coverage.

Getting started is easy, simply click on the "Get Multiple Quotes Now" button at the top of the page, verify your 75070 zip code and you are ready to start saving on home insurance.

Quickly Compare Rate Quotes for 75070

Find Mckinney, TX Homeowners Insurance Quotes to review the best coverage options in your area.

Information on the Average Homeowners Premiums in 75070

According to industry data, homeowners located in Mckinney pay roughly $1595 per year for a HO-3 homeowners policy. A HO-3 policy is considered the standard when it comes to homeowners insurance. It offers protection for your home, possessions, loss of use as well as liability protection. If you have a mortgage on your property, your lender will require an HO-3 policy is in place to protect their loan.

Remember, an HO-3 policy does not offer coverage for flood damage in 75070 zip code. If you live in a high-risk area for flood damage, your lender will most likely require that you carry a separate flood insurance policy. Our agents can help you determine if you need flood insurance coverage and help you find a policy that fully protects your property.

A recent ranking of Texas home insurance premiums found that premiums in 75070 are 4 when compared to other state averages. Shopping your coverage on a regular basis is the best way to ensure you are getting the best price on a homeowners policy.

Start Shopping 75070 Home Insurance Quotes Right Now!

The best part of our job is helping homeowners save money on their homeowners insurance while also educating our clients on the different types of coverage available to them in 75070.

Let us find you a great policy at an affordable price, get 75070 homeowners insurance quotes now.

75070 Home Insurance Average Premiums

Local 75070 homeowners insurance quotes comparison

$1345 /yr.

Shows Zip Code: 75070 lowest rates with discounts applied on average.

For the 75070, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$1345 /yr.
Average Coverage:$1595 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1895 /yr.

What is the average home insurance cost for a home in 75070?

  • • The average homeowners insurance premium paid annually for a home in 75070 is around $1595 per year.

What does it cost on average per month for home insurance in 75070?

  • • Homeowners in 75070 pay a monthly average cost per month around $133.00.

What kind of discount could I get if I combine my home and auto insurance together in 75070?

  • • Autoowners in 75070 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Mckinney area, check out other zip codes nearby 75070.
Review average rates in another zip code:
75069 homeowners insurance rates
75070 homeowners insurance rates
75071 homeowners insurance rates

Home Replacement Cost Coverage in 75070

Average Building Cost Per Square Foot in 75070: $129

Location: Mckinney, Texas (Collin County)

Average Square Footage in 75070: 2,658 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 75070 before you start any project. Mckinney homeowners pay on average around $129 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 75070 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 75070 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,658 sq. ft. and the average cost to rebuild the home in this area is around $129 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Mckinney area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1292,658$342,900
Additional Upgrades & Added Features$1612,658$428,625
Major Home Updates or Advancements$1942,658$514,350

It's important to understand that when you estimate your replacement cost of your home in the 75070 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 75070

Allstate Insurance - David Redding

Address: 3201 S Hardin Blvd Suite 210 Mc Kinney, TX 75070
Phone: (972)562-9605
Website:

Best Home & Auto Insurance Agencies in 75070

Allstate Insurance Company

Address: 2110 W Eldorado Pky McKinney, TX 75070
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
Allstate auto insurance quotes and anonymous ballpark estimates to help protect you, your family and your automobile. Insurance and financial products include car insurance, home insurance, business insurance, life insurance, IRAs and annuities. car insurance, auto insurance quote, vehicle insurance, free online insurance quotes, rate quote, life insurance, annuities, mutual funds, IRAs, allstate insurance agent, allstate.com

Allstate Insurance - David Redding

Address: 3201 Hardin Blvd, #210 McKinney, TX 75070
Phone:
Website:
Info:

Housing Demographics for 75070

Population Review for 75070 Zip Code

For the city of Mckinney, the population within 75070 has increased to over 69,273 residents in population size. The current population total is 57,712. We have broken down the population based on race below. In 75070, there are over 27764 in male population and 29948 females.

PopulationValues
Total Population57,712
White Population29410
Black Population8778
Hispanic Population7488
Asian Population10713
Hawaiian Population50
Indian Population353
Other Population2036
Male Population27764
Female Population29948
Population Estimate69273

Household Data for 75070

The average number of homes in 75070 is around 21,862, there are an average of 2.64 per household. The average house value according to local real estate values is around $342,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode21,862
Persons Per Household2.64
Average House Value$342,900
Income Per Household$94510
Median Age34.1
Median Age Male33.3
Median Age Female34.7
75070 DetailsValues
StateTX
State Full NameTexas
City TypeP
City Alias Abbreviation
Area Code469/214/972
CityMckinney
City Alias NameMCKINNEY
CountyCollin
County FIPS085
State FIPS48
Time Zone6
Day Light SavingY
MSA1922
PMSA1920
CSA206
CBSA19100
CBSA_DIV19124
CBSA_TypeMetro
CBSA_NameDallas-Fort Worth-Arlington, TX
MSA_NameDallas-Fort Worth, TX CMSA
PMSA_NameDallas, TX PMSA
RegionSouth
DivisionWest South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1959
Number Of Employees23677
Business First Quarter Payroll331226
Business Annual Payroll1365056
Business Employment Flag
Growth Rank26
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number29885
Growth Increase Percentage3.8
Metropolitan DetailsValues
CBSA Population6371773
CBSA Division Population4230520
Congressional District03
Congressional LandArea480.88
Delivery Residential26240
Delivery Business1645
Delivery Total29672
Preferred Last Line KeyW24653
Classification Code
Multi-County
CSA NameDallas-Fort Worth, TX-OK
CBSA_DIV_NameDallas-Plano-Irving, TX
City State KeyW24653
Land Area11.283000
Water Area0.014000
City Alias Code
City Mixed CaseMcKinney
City Alias Mixed CaseMcKinney
Box Count1005
SFDU11259
MFDU12002
State ANSI48
County ANSI085
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number485490
Unique ZIP Name
SSA State County Code45310
Medicare CBSA Code19124
Medicare CBSA NameDallas-Plano-Irving, TX
Medicare CBSA TypeMetro
Market Rating Area ID8
County Mixed CaseCollin

Texas Homeowners Insurance News & Information

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    While windstorm insurance is not required in Texas, it is often a necessity if you live near the coast. In certain areas there is a good chance that your mortgage lender will require that you carry a windstorm policy. A windstorm policy will cover damage that is done by wind or hail. These are the […]

  • Texas is Seeing Major Increases in the Cost of Homeowners Insurance Posted on Tuesday 7th May, 2024

    Like much of the rest of the country, Texas is seeing major increases in the cost of homeowners insurance. According to an article in Austin American-Stateman, residents of Texas have seen their insurance rates go up 50.9% on average which is the largest increase in the country for that time period. Unfortunately, experts are predicting […]

  • 2024 Average Homeowners Insurance Rate at $2,777 per year  Posted on Tuesday 20th February, 2024

    A recent report by Insurance.com, found that the average homeowners insurance rate in the U.S. came in at $2,777 per year which breaks down to $231 a month. The average was based on coverage levels of $300,000 in dwelling and liability and a $1,000 deductible. When Insurance.com ran the numbers, Oklahoma was the most expensive […]

  • 9% Predicted Jump in Home Insurance Rates in 2023  Posted on Tuesday 25th April, 2023

    According to a new report by online marketplace Insurify, average homeowner insurance premiums are headed up again in 2023. The report predicts that the average cost of homeowners insurance could jump up 9% which translates into about $150 increase for most homeowners. The pain will not be distributed equally, homeowners in some states will see […]

  • Get Cheaper Home Insurance by Using These Great Saving Tips Posted on Friday 19th August, 2022

    Homeowner insurance rates are headed up in many states this year. Colorado’s new average rate is around $3,400, Oklahoma is now $3,300, Tennesse has also moved up on the list to an average home insurance rate of $3,000 per year. Kansas and Texas are both around $2,500 for the year. While your premium may be […]

  • Top 3 Reasons Homeowners Can Expect a 3% to 30% Rate Increase Posted on Monday 18th April, 2022

    Interest rate hike due to inflation percentage rising up, FED, federal reserve or central bank monetary policy, economics or loan concept, businessman archery percentage arrow high up into the sky. There is a good chance that your homeowners insurance premium will be headed up this year. According to a recent S&P Global Market Intelligence report,  homeowners […]