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Compare 77086 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Houston just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 8,669 neighbors looking to save on their home insurance policy in the local 77086 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 77086. 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 Houston, 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 Houston, TX

77086 Home Insurance Average Premiums

Local 77086 homeowners insurance quotes comparison

$1266 /yr.

Shows Zip Code: 77086 lowest rates with discounts applied on average.

For the 77086, 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)
$1266 /yr.
Average Coverage:$1516 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1816 /yr.

What is the average home insurance cost for a home in 77086?

  • • The average homeowners insurance premium paid annually for a home in 77086 is around $1516 per year.

What does it cost on average per month for home insurance in 77086?

  • • Homeowners in 77086 pay a monthly average cost per month around $126.00.

What kind of discount could I get if I combine my home and auto insurance together in 77086?

  • • Autoowners in 77086 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 Houston area, check out other zip codes nearby 77086.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 77086

Average Building Cost Per Square Foot in 77086: $129

Location: Houston, Texas (Harris County)

Average Square Footage in 77086: 1,123 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 77086 before you start any project. Houston 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 77086 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 77086 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,123 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 Houston 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$1291,123$144,900
Additional Upgrades & Added Features$1611,123$181,125
Major Home Updates or Advancements$1941,123$217,350

It's important to understand that when you estimate your replacement cost of your home in the 77086 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 77086

Best Home & Auto Insurance Agencies in 77086

ACE Cash Express

Address: 13640 TX-249 Houston, TX 77086
Phone:
Website: http://www.acecashexpress.com/
Info:

Farmers Insurance

Address: 13420 TX-249, Ste D Houston, TX 77086
Phone:
Website: http://www.farmersagent.com/cnguyen3/
Info:

Insurance Marketing Group

Address: 13500 Tomball Pky Houston, TX 77086
Phone:
Website: http://www.insuremecheaper.com/
Info:

Amex Insurance

Address: 10906 Bammel North Houston Rd Houston, TX 77086
Phone:
Website:
Info:

Housing Demographics for 77086

Population Review for 77086 Zip Code

For the city of Houston, the population within 77086 has increased to over 29,051 residents in population size. The current population total is 29,366. We have broken down the population based on race below. In 77086, there are over 14447 in male population and 14919 females.

PopulationValues
Total Population29,366
White Population4719
Black Population6282
Hispanic Population18761
Asian Population2431
Hawaiian Population37
Indian Population525
Other Population10401
Male Population14447
Female Population14919
Population Estimate29051

Household Data for 77086

The average number of homes in 77086 is around 8,669, there are an average of 3.38 per household. The average house value according to local real estate values is around $144,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode8,669
Persons Per Household3.38
Average House Value$144,900
Income Per Household$51523
Median Age31.8
Median Age Male30.9
Median Age Female32.8
77086 DetailsValues
StateTX
State Full NameTexas
City TypeP
City Alias Abbreviation
Area Code281/832
CityHouston
City Alias NameHOUSTON
CountyHarris
County FIPS201
State FIPS48
Time Zone6
Day Light SavingY
MSA3362
PMSA3360
CSA288
CBSA26420
CBSA_DIV
CBSA_TypeMetro
CBSA_NameHouston-Pasadena-The Woodlands, TX
MSA_NameHouston-Galveston-Brazoria, TX CMSA
PMSA_NameHouston, TX PMSA
RegionSouth
DivisionWest South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses483
Number Of Employees9098
Business First Quarter Payroll158359
Business Annual Payroll612357
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population5946800
CBSA Division Population0
Congressional District18|29
Congressional LandArea235.2|187.07
Delivery Residential8595
Delivery Business987
Delivery Total11404
Preferred Last Line KeyW24130
Classification Code
Multi-County
CSA NameHouston-Pasadena, TX
CBSA_DIV_Name
City State KeyW24130
Land Area6.833000
Water Area0.005000
City Alias Code
City Mixed CaseHouston
City Alias Mixed CaseHouston
Box Count0
SFDU4609
MFDU1865
State ANSI48
County ANSI201
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number484145
Unique ZIP Name
SSA State County Code45610
Medicare CBSA Code26420
Medicare CBSA NameHouston-The Woodlands-Sugar Land, TX
Medicare CBSA TypeMetro
Market Rating Area ID10
County Mixed CaseHarris

Texas Homeowners Insurance News & Information

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    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

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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 […]