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77434 Homeowners Insurance Quotes & Rates

Eagle Lake residents living within the 1,620 homes available in the zip code of 77434 are shopping online to compare cheaper and more affordable Eagle Lake, TX home insurance rates. In the great city of Eagle Lake, homeowners like you want to find less expensive coverage since the home insurance rates have increased. Currently, the average home insurance rate within the state of Texas is around $1,489 per year. These average rates are based on a standard or basic homeowner policy that covers your home for risk of fire, theft or liability issues if someone was to be injured on your property. We can provide enhanced coverage options to give you that added protection that you need for your home in the 77434 zip code.

With our online home insurance quoting application and excellent review service, we can help you save up to 40% or more on your next homeowners policy. We will shop up to 12 competitive home insurance rates, review all the coverage options available and propose any discounts or credits that may be available to you. Each home insurance company is different and likes to generate rates based on a number of different risk factors when it comes to insuring your home. We will be able to explain which home insurance company is best for you based on the coverage details, rate affordability and claim dependability.

Let us help you shop and compare your 77434 home insurance rates today! Please give us a call now at 1-866-502-7287. For Eagle Lake, TX Homeowners Insurance Quotes, Click to easily get started!

77434 Home Insurance Average Premiums

Local 77434 homeowners insurance quotes comparison

$1239 /yr.

Shows Zip Code: 77434 lowest rates with discounts applied on average.

For the 77434, 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)
$1239 /yr.
Average Coverage:$1489 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1789 /yr.

What is the average home insurance cost for a home in 77434?

  • • The average homeowners insurance premium paid annually for a home in 77434 is around $1489 per year.

What does it cost on average per month for home insurance in 77434?

  • • Homeowners in 77434 pay a monthly average cost per month around $124.00.

What kind of discount could I get if I combine my home and auto insurance together in 77434?

  • • Autoowners in 77434 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 Eagle Lake area, check out other zip codes nearby 77434.
Review average rates in another zip code:
77434 homeowners insurance rates

Home Replacement Cost Coverage in 77434

Average Building Cost Per Square Foot in 77434: $129

Location: Eagle Lake, Texas (Colorado County)

Average Square Footage in 77434: 451 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 77434 before you start any project. Eagle Lake 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 77434 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 77434 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 451 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 Eagle Lake 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$129451$58,200
Additional Upgrades & Added Features$161451$72,750
Major Home Updates or Advancements$194451$87,300

It's important to understand that when you estimate your replacement cost of your home in the 77434 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 77434

Best Home & Auto Insurance Agencies in 77434

Housing Demographics for 77434

Population Review for 77434 Zip Code

For the city of Eagle Lake, the population within 77434 has increased to over 4,669 residents in population size. The current population total is 4,411. We have broken down the population based on race below. In 77434, there are over 2149 in male population and 2262 females.

PopulationValues
Total Population4,411
White Population1655
Black Population1067
Hispanic Population2254
Asian Population11
Hawaiian Population0
Indian Population29
Other Population988
Male Population2149
Female Population2262
Population Estimate4669

Household Data for 77434

The average number of homes in 77434 is around 1,620, there are an average of 2.69 per household. The average house value according to local real estate values is around $58,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,620
Persons Per Household2.69
Average House Value$58,200
Income Per Household$44020
Median Age40.0
Median Age Male39.0
Median Age Female41.3
77434 DetailsValues
StateTX
State Full NameTexas
City TypeP
City Alias Abbreviation
Area Code979
CityEagle Lake
City Alias NameEAGLE LAKE
CountyColorado
County FIPS089
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 Businesses85
Number Of Employees1004
Business First Quarter Payroll9771
Business Annual Payroll42027
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 District10|22
Congressional LandArea5070.95|1032.84
Delivery Residential1736
Delivery Business157
Delivery Total35661
Preferred Last Line KeyW23571
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyW23571
Land Area145.535000
Water Area4.765000
City Alias Code
City Mixed CaseEagle Lake
City Alias Mixed CaseEagle Lake
Box Count253
SFDU1647
MFDU3
State ANSI48
County ANSI089
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationC
Finance Number482660
Unique ZIP Name
SSA State County Code45312
Medicare CBSA Code99945
Medicare CBSA NameRural Areas in TX
Medicare CBSA TypeMicro
Market Rating Area ID26
County Mixed CaseColorado

Texas Homeowners Insurance News & Information

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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 […]