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Homeowners Insurance coverage in 75164

If you are a homeowner in 75164 or Josephine, TX you can now easily shop for homeowners insurance from the comfort of your own home. Check out GetHomeInsuranceQuotes.com and we will provide you with up to 12 insurance rate quotes from a variety of national insurance companies, making sure that you get the best premium quotes in Josephine.

Our service is always free so join the thousands of homeowners who have shopped for coverage, compared a variety of quotes and purchased a great policy using our site. Enter your zip code now and start shopping for a brand new homeowners policy.

Compare rates and find the best homeowners policy in 75164.

Learn more about our homeowners insurance shopping service by selecting the best Josephine, TX Home Insurance Quotes Online.

What is the Average Home Insurance Rates in 75164?

Residents of Josephine have found that shopping online for homeowners insurance coverage saves them not only time but money as well. So what is the average rate for homeowners insurance in Texas? While Texas is not the cheapest state in the country when it comes to homeowners insurance, it does rank fairly well. According to industry data, Texas comes in at 4 in the country for homeowners insurance premiums.

If you are living in 75164 zipcode, expect to pay around $1481 for homeowners coverage compared to the national average of $1,249. It’s important to remember that these figures are averages and your own premium may be higher or lower depending on your personal factors.

Average rates listed here are based on a standard homeowners insurance policy, which protects your home, personal possessions, liability protection, loss of use and even medical payments. As with most standard homeowner insurance policies, coverage in Josephine does not offer protection against flood damage. If you live within a flood zone, a separate flood insurance policy may be required.

Get started now and our agents will help you determine what coverages your need and the ideal coverage levels for your particular situation.

75164 Home Insurance Average Premiums

Local 75164 homeowners insurance quotes comparison

$1231 /yr.

Shows Zip Code: 75164 lowest rates with discounts applied on average.

For the 75164, 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)
$1231 /yr.
Average Coverage:$1481 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1781 /yr.

What is the average home insurance cost for a home in 75164?

  • • The average homeowners insurance premium paid annually for a home in 75164 is around $1481 per year.

What does it cost on average per month for home insurance in 75164?

  • • Homeowners in 75164 pay a monthly average cost per month around $123.00.

What kind of discount could I get if I combine my home and auto insurance together in 75164?

  • • Autoowners in 75164 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 Josephine area, check out other zip codes nearby 75164.
Review average rates in another zip code:
75164 homeowners insurance rates

Home Replacement Cost Coverage in 75164

Average Building Cost Per Square Foot in 75164: $129

Location: Josephine, Texas (Collin County)

Average Square Footage in 75164: 1,234 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 75164 before you start any project. Josephine 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 75164 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 75164 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,234 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 Josephine 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$1291,234$159,200
Additional Upgrades & Added Features$1611,234$199,000
Major Home Updates or Advancements$1941,234$238,800

It's important to understand that when you estimate your replacement cost of your home in the 75164 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 75164

Best Home & Auto Insurance Agencies in 75164

Housing Demographics for 75164

Population Review for 75164 Zip Code

For the city of Josephine, the population within 75164 has increased to over 0 residents in population size. The current population total is 335. We have broken down the population based on race below. In 75164, there are over 167 in male population and 168 females.

PopulationValues
Total Population335
White Population229
Black Population11
Hispanic Population58
Asian Population2
Hawaiian Population1
Indian Population8
Other Population37
Male Population167
Female Population168
Population Estimate0

Household Data for 75164

The average number of homes in 75164 is around 110, there are an average of 3.05 per household. The average house value according to local real estate values is around $159,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode110
Persons Per Household3.05
Average House Value$159,200
Income Per Household$47554
Median Age32.7
Median Age Male32.9
Median Age Female32.4
75164 DetailsValues
StateTX
State Full NameTexas
City TypeZ
City Alias Abbreviation
Area Code469/972/945
CityJosephine
City Alias NameJOSEPHINE
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 Businesses6
Number Of Employees65
Business First Quarter Payroll459
Business Annual Payroll2073
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 Residential0
Delivery Business0
Delivery Total243
Preferred Last Line KeyW24255
Classification CodeP
Multi-County
CSA NameDallas-Fort Worth, TX-OK
CBSA_DIV_NameDallas-Plano-Irving, TX
City State KeyW24255
Land Area0.997000
Water Area0.005000
City Alias Code
City Mixed CaseJosephine
City Alias Mixed CaseJosephine
Box Count154
SFDU0
MFDU0
State ANSI48
County ANSI085
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number484500
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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  • Coastal Texas Home Insurance Rates Posted on Sunday 7th July, 2024

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  • 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 […]