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Quickly Revew Homeowners Insurance in 76642

If you own a home in Groesbeck, TX you need a great homeowners policy to protect your home and possessions. Industry experts recommend shopping your homeowners insurance on a yearly basis to ensure that you are getting the best price and coverage levels.

GetHomeInsuranceQuotes.com can help you shop your coverage and find the best policy for your home in 76642 zip code. Our service is always free and we will gather quotes from up to 12 nationwide insurers so you can see all of your homeowners insurance options in one place. Our Texas licensed agents will also review your needs and make sure you have the appropriate coverage for your home.

If you want to see real savings on the cost of homeowners insurance start shopping GetHomeInsuranceQuotes.com right now. Get started by clicking the Get Multiple Quotes Now" button below, verify your 76642 and start comparing rates now.

76642 Homeowners Insurance Rates Are Considered: very high!

The average rate for a standard homeowners policy in 76642 is $1529 according to industry data. We can help you achieve substantial savings by using our online quoting process to find the best policy for your specific home. We will also make sure you are fully covered. Insurance policies and coverage levels vary so it is key to fully understand your policy and what it covers as well as any coverage limitations.

We only deal with reputable, nationwide insurers so you can be confident that if you do need to make a claim it will be handled quickly and fairly. It’s time to start shopping for a new policy.

Get 76642 Home Insurance Rate Quotes Right Now!

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Groesbeck, TX home insurance quotes in your local city and review the most competitive coverages and premiums.

76642 Home Insurance Average Premiums

Local 76642 homeowners insurance quotes comparison

$1279 /yr.

Shows Zip Code: 76642 lowest rates with discounts applied on average.

For the 76642, 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)
$1279 /yr.
Average Coverage:$1529 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1829 /yr.

What is the average home insurance cost for a home in 76642?

  • • The average homeowners insurance premium paid annually for a home in 76642 is around $1529 per year.

What does it cost on average per month for home insurance in 76642?

  • • Homeowners in 76642 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 76642?

  • • Autoowners in 76642 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 Groesbeck area, check out other zip codes nearby 76642.
Review average rates in another zip code:
76642 homeowners insurance rates

Home Replacement Cost Coverage in 76642

Average Building Cost Per Square Foot in 76642: $129

Location: Groesbeck, Texas (Limestone County)

Average Square Footage in 76642: 1,274 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 76642 before you start any project. Groesbeck 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 76642 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 76642 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,274 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 Groesbeck 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$1291,274$164,400
Additional Upgrades & Added Features$1611,274$205,500
Major Home Updates or Advancements$1941,274$246,600

It's important to understand that when you estimate your replacement cost of your home in the 76642 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 76642

Best Home & Auto Insurance Agencies in 76642

Housing Demographics for 76642

Population Review for 76642 Zip Code

For the city of Groesbeck, the population within 76642 has increased to over 6,720 residents in population size. The current population total is 6,641. We have broken down the population based on race below. In 76642, there are over 3426 in male population and 3215 females.

PopulationValues
Total Population6,641
White Population4586
Black Population881
Hispanic Population1236
Asian Population99
Hawaiian Population1
Indian Population45
Other Population603
Male Population3426
Female Population3215
Population Estimate6720

Household Data for 76642

The average number of homes in 76642 is around 2,329, there are an average of 2.54 per household. The average house value according to local real estate values is around $164,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,329
Persons Per Household2.54
Average House Value$164,400
Income Per Household$52628
Median Age41.9
Median Age Male38.9
Median Age Female46.3
76642 DetailsValues
StateTX
State Full NameTexas
City TypeP
City Alias Abbreviation
Area Code254
CityGroesbeck
City Alias NameGROESBECK
CountyLimestone
County FIPS293
State FIPS48
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionSouth
DivisionWest South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses110
Number Of Employees1439
Business First Quarter Payroll12277
Business Annual Payroll51901
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District17
Congressional LandArea7651.16
Delivery Residential2646
Delivery Business210
Delivery Total3314
Preferred Last Line KeyW23980
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyW23980
Land Area248.058000
Water Area11.422000
City Alias Code
City Mixed CaseGroesbeck
City Alias Mixed CaseGroesbeck
Box Count338
SFDU2368
MFDU1
State ANSI48
County ANSI293
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number483760
Unique ZIP Name
SSA State County Code45758
Medicare CBSA Code99945
Medicare CBSA NameRural Areas in TX
Medicare CBSA TypeMicro
Market Rating Area ID23
County Mixed CaseLimestone

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 […]