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78010, TX Homeowners Insurance Rates
With a population size of 3,357 and with 1,286 occupied homes in the 78010 area, our online shopping service is becoming very helpful for homeowners like you. The average home insurance premiums in Center Point, TX are around $1,508 per year for a standard HO-3 homeowners policy. Wouldn't you love to save up to 40% or more on your next home insurance policy? Our process easily compares the most competitive rates, while including all discounts and credits, plus reviewing all enhanced coverage options. You will find that GetHomeInsuranceQuotes.com is the best place online to shop for home insurance rates in Center Point, Texas. If you are looking for more affordable rates, let us help you shop and compare your next homeowners policy today. Just enter your zip code to start online comparing, or give us a call at 1-866-502-7287 so we can help you review rates today!
It's important to know that if your Texas home may be located in a risk area that is prone to flooding, hurricanes or earthquakes. You may need additional coverage that is not part of your current policy like an HO-3 or HO-2. We can help you review the best protection and coverage options for your home located in Center Point, TX.
For Texas home insurance information, including average Center Point home insurance rates, coverage options or the different homeowners insurance types, please select Center Point, TX Home Insurance Quotes Now!
78010 Home Insurance Average Premiums
$1258 /yr.
Shows Zip Code: 78010 lowest rates with discounts applied on average.
For the 78010, 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) | $1258 /yr. |
| Average Coverage: | $1508 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1808 /yr. |
What is the average home insurance cost for a home in 78010?
- • The average homeowners insurance premium paid annually for a home in 78010 is around $1508 per year.
What does it cost on average per month for home insurance in 78010?
- • Homeowners in 78010 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 78010?
- • Autoowners in 78010 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 Center Point area, check out other zip codes nearby 78010.
Review average rates in another zip code:
78010 homeowners insurance rates
Home Replacement Cost Coverage in 78010
Average Building Cost Per Square Foot in 78010: $129
Location: Center Point, Texas (Kerr County)Average Square Footage in 78010: 1,436 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 78010 before you start any project. Center Point 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 78010 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 78010 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,436 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 Center Point 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $129 | 1,436 | $185,300 |
| Additional Upgrades & Added Features | $161 | 1,436 | $231,625 |
| Major Home Updates or Advancements | $194 | 1,436 | $277,950 |
It's important to understand that when you estimate your replacement cost of your home in the 78010 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 78010
Best Home & Auto Insurance Agencies in 78010
Housing Demographics for 78010
Population Review for 78010 Zip Code
For the city of Center Point, the population within 78010 has increased to over 2,785 residents in population size. The current population total is 3,357. We have broken down the population based on race below. In 78010, there are over 1667 in male population and 1690 females.
| Population | Values |
|---|---|
| Total Population | 3,357 |
| White Population | 2365 |
| Black Population | 19 |
| Hispanic Population | 1071 |
| Asian Population | 18 |
| Hawaiian Population | 0 |
| Indian Population | 24 |
| Other Population | 298 |
| Male Population | 1667 |
| Female Population | 1690 |
| Population Estimate | 2785 |
Household Data for 78010
The average number of homes in 78010 is around 1,286, there are an average of 2.57 per household. The average house value according to local real estate values is around $185,300. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 1,286 |
| Persons Per Household | 2.57 |
| Average House Value | $185,300 |
| Income Per Household | $68951 |
| Median Age | 44.7 |
| Median Age Male | 42.7 |
| Median Age Female | 46.0 |
| 78010 Details | Values |
|---|---|
| State | TX |
| State Full Name | Texas |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 830 |
| City | Center Point |
| City Alias Name | CENTER POINT |
| County | Kerr |
| County FIPS | 265 |
| State FIPS | 48 |
| Time Zone | 6 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | 484 |
| CBSA | 28500 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Kerrville, TX |
| MSA_Name | |
| PMSA_Name | |
| Region | South |
| Division | West South Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 43 |
| Number Of Employees | 314 |
| Business First Quarter Payroll | 3112 |
| Business Annual Payroll | 13926 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 49625 |
| CBSA Division Population | 0 |
| Congressional District | 21 |
| Congressional LandArea | 5920.89 |
| Delivery Residential | 1084 |
| Delivery Business | 21 |
| Delivery Total | 3606 |
| Preferred Last Line Key | W23192 |
| Classification Code | |
| Multi-County | |
| CSA Name | San Antonio-New Braunfels-Kerrville, TX |
| CBSA_DIV_Name | |
| City State Key | W23192 |
| Land Area | 72.078000 |
| Water Area | 0.413000 |
| City Alias Code | |
| City Mixed Case | Center Point |
| City Alias Mixed Case | Center Point |
| Box Count | 495 |
| SFDU | 1009 |
| MFDU | 0 |
| State ANSI | 48 |
| County ANSI | 265 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 481595 |
| Unique ZIP Name | |
| SSA State County Code | 45734 |
| Medicare CBSA Code | 99945 |
| Medicare CBSA Name | Rural Areas in TX |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 18 |
| County Mixed Case | Kerr |
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 […]
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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 […]
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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 […]
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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 […]
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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 […]
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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 […]