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77092 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 77092 zip code find a great new policy that offers the coverage they need at a price they can afford.

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Quickly and Easily Compare Average Rates for 77092

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

Average Policy Rates in 77092

Homeowners in Houston are paying roughly $1509 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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77092 Home Insurance Average Premiums

Local 77092 homeowners insurance quotes comparison

$1259 /yr.

Shows Zip Code: 77092 lowest rates with discounts applied on average.

For the 77092, 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)
$1259 /yr.
Average Coverage:$1509 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1809 /yr.

What is the average home insurance cost for a home in 77092?

  • • The average homeowners insurance premium paid annually for a home in 77092 is around $1509 per year.

What does it cost on average per month for home insurance in 77092?

  • • Homeowners in 77092 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 77092?

  • • Autoowners in 77092 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 77092.
Review average rates in another zip code:
77016 homeowners insurance rates
77041 homeowners insurance rates
77076 homeowners insurance rates
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77027 homeowners insurance rates
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77053 homeowners insurance rates
77066 homeowners insurance rates

Home Replacement Cost Coverage in 77092

Average Building Cost Per Square Foot in 77092: $129

Location: Houston, Texas (Harris County)

Average Square Footage in 77092: 1,547 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 77092 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 77092 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 77092 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,547 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$1291,547$199,600
Additional Upgrades & Added Features$1611,547$249,500
Major Home Updates or Advancements$1941,547$299,400

It's important to understand that when you estimate your replacement cost of your home in the 77092 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 77092

Allied Mercantile Ins

Address: 6110 Pinemont Dr Houston, TX 77092
Phone: (713)353-0411
Website:

Allstate Insurance - Danny C White

Address: 10500 N.w. Freeway #140 Houston, TX 77092
Phone: (713)956-1515
Website:

Abraham & Associates Insurance

Address: 10333 Northwest Fwy Ste 516 Houston, TX 77092
Phone: (713)682-2192
Website:

Allstate Insurance - Steve Griffin

Address: 10555 Nw Frwy #114 Houston, TX 77092
Phone: (713)956-0410
Website:

Best Home & Auto Insurance Agencies in 77092

Abraham & Associates Insurance

Address: 10333 Northwest Fwy, #516 Houston, TX 77092
Phone:
Website:
Info:

Wood, Paula R - State Farm Insurance Agent

Address: 11544 Northwest Fwy Houston, TX 77092
Phone:
Website: http://www.statefarm.mqgroup.com/url.asp?usr=536692
Info:

Allstate Insurance - Steve Griffin

Address: 10555 Northwest Fwy Houston, TX 77092
Phone:
Website:
Info:

Fred Loya Insurance

Address: 10301 Northwest Fwy Houston, TX 77092
Phone:
Website: http://www.fredloya.com/
Info:

Esmeralda Ramirez-Farmers Insurance

Address: 10900 Northwest Fwy, Ste 219 Houston, TX 77092
Phone:
Website:
Info:

Housing Demographics for 77092

Population Review for 77092 Zip Code

For the city of Houston, the population within 77092 has increased to over 38,937 residents in population size. The current population total is 34,903. We have broken down the population based on race below. In 77092, there are over 17564 in male population and 17339 females.

PopulationValues
Total Population34,903
White Population11782
Black Population3845
Hispanic Population21564
Asian Population621
Hawaiian Population7
Indian Population535
Other Population11429
Male Population17564
Female Population17339
Population Estimate38937

Household Data for 77092

The average number of homes in 77092 is around 13,585, there are an average of 2.56 per household. The average house value according to local real estate values is around $199,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode13,585
Persons Per Household2.56
Average House Value$199,600
Income Per Household$47453
Median Age34.1
Median Age Male33.7
Median Age Female34.5
77092 DetailsValues
StateTX
State Full NameTexas
City TypeP
City Alias Abbreviation
Area Code713/832/281
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 Businesses1426
Number Of Employees26572
Business First Quarter Payroll326026
Business Annual Payroll1393507
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 District07|18
Congressional LandArea161.94|235.2
Delivery Residential15210
Delivery Business3238
Delivery Total18288
Preferred Last Line KeyW24130
Classification Code
Multi-County
CSA NameHouston-Pasadena, TX
CBSA_DIV_Name
City State KeyW24130
Land Area8.100000
Water Area0.029000
City Alias Code
City Mixed CaseHouston
City Alias Mixed CaseHouston
Box Count0
SFDU5897
MFDU8531
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

    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 […]