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Compare 76871 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Richland Springs just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 298 neighbors looking to save on their home insurance policy in the local 76871 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 76871. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Texas rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Richland Springs, TX home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Richland Springs, TX

76871 Home Insurance Average Premiums

Local 76871 homeowners insurance quotes comparison

$1217 /yr.

Shows Zip Code: 76871 lowest rates with discounts applied on average.

For the 76871, 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)
$1217 /yr.
Average Coverage:$1467 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1767 /yr.

What is the average home insurance cost for a home in 76871?

  • • The average homeowners insurance premium paid annually for a home in 76871 is around $1467 per year.

What does it cost on average per month for home insurance in 76871?

  • • Homeowners in 76871 pay a monthly average cost per month around $122.00.

What kind of discount could I get if I combine my home and auto insurance together in 76871?

  • • Autoowners in 76871 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 Richland Springs area, check out other zip codes nearby 76871.
Review average rates in another zip code:
76871 homeowners insurance rates

Home Replacement Cost Coverage in 76871

Average Building Cost Per Square Foot in 76871: $129

Location: Richland Springs, Texas (San Saba County)

Average Square Footage in 76871: 1,222 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 76871 before you start any project. Richland Springs 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 76871 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 76871 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,222 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 Richland Springs 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$1291,222$157,700
Additional Upgrades & Added Features$1611,222$197,125
Major Home Updates or Advancements$1941,222$236,550

It's important to understand that when you estimate your replacement cost of your home in the 76871 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 76871

Best Home & Auto Insurance Agencies in 76871

Housing Demographics for 76871

Population Review for 76871 Zip Code

For the city of Richland Springs, the population within 76871 has increased to over 668 residents in population size. The current population total is 648. We have broken down the population based on race below. In 76871, there are over 338 in male population and 310 females.

PopulationValues
Total Population648
White Population559
Black Population0
Hispanic Population70
Asian Population0
Hawaiian Population0
Indian Population9
Other Population20
Male Population338
Female Population310
Population Estimate668

Household Data for 76871

The average number of homes in 76871 is around 298, there are an average of 2.17 per household. The average house value according to local real estate values is around $157,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode298
Persons Per Household2.17
Average House Value$157,700
Income Per Household$75500
Median Age52.9
Median Age Male54.1
Median Age Female52.1
76871 DetailsValues
StateTX
State Full NameTexas
City TypeP
City Alias AbbreviationRICHLAND SPGS
Area Code325
CityRichland Springs
City Alias NameRICHLAND SPRINGS
CountySan Saba
County FIPS411
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 Businesses14
Number Of Employees35
Business First Quarter Payroll185
Business Annual Payroll763
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 District11
Congressional LandArea27832.17
Delivery Residential308
Delivery Business9
Delivery Total462
Preferred Last Line KeyW25366
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyW25366
Land Area227.602000
Water Area0.701000
City Alias Code
City Mixed CaseRichland Springs
City Alias Mixed CaseRichland Springs
Box Count125
SFDU307
MFDU0
State ANSI48
County ANSI411
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number487565
Unique ZIP Name
SSA State County Code45886
Medicare CBSA Code99945
Medicare CBSA NameRural Areas in TX
Medicare CBSA TypeMicro
Market Rating Area ID11
County Mixed CaseSan Saba

Texas Homeowners Insurance News & Information

  • Homeowners in Texas are Seeing Home Insurance Rates Increase Posted on Wednesday 7th August, 2024

    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 […]