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76249 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 76249? There are over 3,138 occupied homes in the 76249 area. With a population size of 9,411, it's not uncommon for residence of Krum, TX to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Texas is around $1,523 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 76249 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Krum, TX Home Insurance Rate Quotes

76249 Home Insurance Average Premiums

Local 76249 homeowners insurance quotes comparison

$1273 /yr.

Shows Zip Code: 76249 lowest rates with discounts applied on average.

For the 76249, 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)
$1273 /yr.
Average Coverage:$1523 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1823 /yr.

What is the average home insurance cost for a home in 76249?

  • • The average homeowners insurance premium paid annually for a home in 76249 is around $1523 per year.

What does it cost on average per month for home insurance in 76249?

  • • Homeowners in 76249 pay a monthly average cost per month around $127.00.

What kind of discount could I get if I combine my home and auto insurance together in 76249?

  • • Autoowners in 76249 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 Krum area, check out other zip codes nearby 76249.
Review average rates in another zip code:
76249 homeowners insurance rates

Home Replacement Cost Coverage in 76249

Average Building Cost Per Square Foot in 76249: $129

Location: Krum, Texas (Denton County)

Average Square Footage in 76249: 1,692 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 76249 before you start any project. Krum 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 76249 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 76249 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,692 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 Krum 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$1291,692$218,300
Additional Upgrades & Added Features$1611,692$272,875
Major Home Updates or Advancements$1941,692$327,450

It's important to understand that when you estimate your replacement cost of your home in the 76249 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 76249

Best Home & Auto Insurance Agencies in 76249

Housing Demographics for 76249

Population Review for 76249 Zip Code

For the city of Krum, the population within 76249 has increased to over 10,997 residents in population size. The current population total is 9,411. We have broken down the population based on race below. In 76249, there are over 4642 in male population and 4769 females.

PopulationValues
Total Population9,411
White Population7192
Black Population218
Hispanic Population1927
Asian Population74
Hawaiian Population8
Indian Population98
Other Population566
Male Population4642
Female Population4769
Population Estimate10997

Household Data for 76249

The average number of homes in 76249 is around 3,138, there are an average of 2.99 per household. The average house value according to local real estate values is around $218,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode3,138
Persons Per Household2.99
Average House Value$218,300
Income Per Household$81039
Median Age36.2
Median Age Male35.6
Median Age Female36.8
76249 DetailsValues
StateTX
State Full NameTexas
City TypeP
City Alias Abbreviation
Area Code940
CityKrum
City Alias NameKRUM
CountyDenton
County FIPS121
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 Businesses121
Number Of Employees929
Business First Quarter Payroll9356
Business Annual Payroll45650
Business Employment Flag
Growth Rank34
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number23792
Growth Increase Percentage3.6
Metropolitan DetailsValues
CBSA Population6371773
CBSA Division Population4230520
Congressional District13|26
Congressional LandArea38349.24|907.15
Delivery Residential3678
Delivery Business132
Delivery Total4827
Preferred Last Line KeyW24346
Classification Code
Multi-CountyY
CSA NameDallas-Fort Worth, TX-OK
CBSA_DIV_NameDallas-Plano-Irving, TX
City State KeyW24346
Land Area71.102000
Water Area0.626000
City Alias Code
City Mixed CaseKrum
City Alias Mixed CaseKrum
Box Count320
SFDU2875
MFDU154
State ANSI48
County ANSI121
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number484810
Unique ZIP Name
SSA State County Code45410
Medicare CBSA Code19124
Medicare CBSA NameDallas-Plano-Irving, TX
Medicare CBSA TypeMetro
Market Rating Area ID25
County Mixed CaseDenton

Texas Homeowners Insurance News & Information

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

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

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

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  • 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 […]