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Searching for Homeowners Insurance in 76643

If you are a homeowners that lives in 76643 you may be searching for more affordable homeowners insurance in Hewitt. Insurance rates can change on a yearly basis so if your current insurer has raised your rates recently it may be time to shop your coverage and we can help.

GetHomeInsuranceQuotes.com makes shopping your insurance policy quick and easy for residents of Hewitt, TX. All you have to do is enter a bit of information about your home and we will gather 12 quotes from nationwide insurers, making sure that you get the best coverage levels and rates available.

Our Texas licensed agents will provide a free consultation to make sure you are fully protected as well as answer any questions you may have about policy options. Insurance can be complicated so it pays to have a professional walk you through your various policy choices. As always, our service is free.

Getting started is easy. Click the "Get Multiple Quotes Now" button, verify your zip code and start saving.

Get 76643 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 Hewitt, TX home insurance quotes in your local city and review the most competitive coverages and premiums.

Check Out 76643 Home Insurance Costs: very high!

In Hewitt, homeowners are paying roughly $1536 per year for a HO-3 policy which is considered the standard for a single family home. In order to find the best policy at the best price, we compare rates from some of the most competitive insurers and present you with your best options for homeowners insurance coverage in 76643 zip code.

Our service is free and we never spam our clients so you only receive the information that you request. While all situations are different, in most cases, homeowners in Hewitt are saving up to 40 percent on their policy costs by using GetHomeInsuranceQuotes.com.

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76643 Home Insurance Average Premiums

Local 76643 homeowners insurance quotes comparison

$1286 /yr.

Shows Zip Code: 76643 lowest rates with discounts applied on average.

For the 76643, 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)
$1286 /yr.
Average Coverage:$1536 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1836 /yr.

What is the average home insurance cost for a home in 76643?

  • • The average homeowners insurance premium paid annually for a home in 76643 is around $1536 per year.

What does it cost on average per month for home insurance in 76643?

  • • Homeowners in 76643 pay a monthly average cost per month around $128.00.

What kind of discount could I get if I combine my home and auto insurance together in 76643?

  • • Autoowners in 76643 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 Hewitt area, check out other zip codes nearby 76643.
Review average rates in another zip code:
76643 homeowners insurance rates

Home Replacement Cost Coverage in 76643

Average Building Cost Per Square Foot in 76643: $129

Location: Hewitt, Texas (Mclennan County)

Average Square Footage in 76643: 1,463 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 76643 before you start any project. Hewitt 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 76643 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 76643 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,463 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 Hewitt 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$1291,463$188,700
Additional Upgrades & Added Features$1611,463$235,875
Major Home Updates or Advancements$1941,463$283,050

It's important to understand that when you estimate your replacement cost of your home in the 76643 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 76643

Best Home & Auto Insurance Agencies in 76643

Housing Demographics for 76643

Population Review for 76643 Zip Code

For the city of Hewitt, the population within 76643 has increased to over 16,187 residents in population size. The current population total is 16,044. We have broken down the population based on race below. In 76643, there are over 7523 in male population and 8521 females.

PopulationValues
Total Population16,044
White Population11241
Black Population1642
Hispanic Population2780
Asian Population537
Hawaiian Population18
Indian Population78
Other Population780
Male Population7523
Female Population8521
Population Estimate16187

Household Data for 76643

The average number of homes in 76643 is around 5,784, there are an average of 2.59 per household. The average house value according to local real estate values is around $188,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,784
Persons Per Household2.59
Average House Value$188,700
Income Per Household$72395
Median Age42.0
Median Age Male39.6
Median Age Female44.3
76643 DetailsValues
StateTX
State Full NameTexas
City TypeP
City Alias Abbreviation
Area Code254
CityHewitt
City Alias NameHEWITT
CountyMclennan
County FIPS309
State FIPS48
Time Zone6
Day Light SavingY
MSA8800
PMSA
CSA
CBSA47380
CBSA_DIV
CBSA_TypeMetro
CBSA_NameWaco, TX
MSA_NameWaco, TX MSA
PMSA_Name
RegionSouth
DivisionWest South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses238
Number Of Employees3556
Business First Quarter Payroll30835
Business Annual Payroll147821
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population234906
CBSA Division Population0
Congressional District17
Congressional LandArea7651.16
Delivery Residential6250
Delivery Business290
Delivery Total7437
Preferred Last Line KeyW24077
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyW24077
Land Area7.600000
Water Area0.006000
City Alias Code
City Mixed CaseHewitt
City Alias Mixed CaseHewitt
Box Count486
SFDU4410
MFDU557
State ANSI48
County ANSI309
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number484025
Unique ZIP Name
SSA State County Code45780
Medicare CBSA Code47380
Medicare CBSA NameWaco, TX
Medicare CBSA TypeMetro
Market Rating Area ID23
County Mixed CaseMclennan

Texas Homeowners Insurance News & Information

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    Homeowners in Texas are feeling the squeeze as homeowner insurance rates continue to climb. In a recent NBC 5 Investigates article, they looked at just how dramatic recent rate increases have been across Texas. Melinda Clifton has seen destructive weather cause hail damage to her roof three times in the last twenty years according to […]

  • Coastal Texas Home Insurance Rates Posted on Sunday 7th July, 2024

    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 […]