Compare quotes for your home in 78028! Compare the best 12 carriers in minutes.
Home Insurance Rates in 78028
For homeowners shopping online in 78028, our insurance rates are very competitive for homeowners living in Kerrville, TX. Many homeowners based out of the great city of Kerrville have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Texas licensed agents can provide a free consultation service to you that allows you to ask questions about which rates and coverage options are best suited for you and your family. To get free home insurance quotes in 78028, simply click the "Get Multiple Quotes Now" button. Your 78028 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Kerrville, TX Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.
78028 Home Insurance Rating is: Very High!
If you live in 78028, you can easily save up to 40% off the average home insurance premium of $1491 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Kerrville can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 78028 today!
78028 Home Insurance Average Premiums
$1241 /yr.
Shows Zip Code: 78028 lowest rates with discounts applied on average.
For the 78028, 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) | $1241 /yr. |
| Average Coverage: | $1491 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1791 /yr. |
What is the average home insurance cost for a home in 78028?
- • The average homeowners insurance premium paid annually for a home in 78028 is around $1491 per year.
What does it cost on average per month for home insurance in 78028?
- • Homeowners in 78028 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 78028?
- • Autoowners in 78028 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 Kerrville area, check out other zip codes nearby 78028.
Review average rates in another zip code:
78028 homeowners insurance rates
Home Replacement Cost Coverage in 78028
Average Building Cost Per Square Foot in 78028: $129
Location: Kerrville, Texas (Kerr County)Average Square Footage in 78028: 1,657 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 78028 before you start any project. Kerrville 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 78028 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 78028 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,657 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 Kerrville 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 | 1,657 | $213,700 |
| Additional Upgrades & Added Features | $161 | 1,657 | $267,125 |
| Major Home Updates or Advancements | $194 | 1,657 | $320,550 |
It's important to understand that when you estimate your replacement cost of your home in the 78028 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 78028
Allstate Insurance - Paul Hinson
Address: 201 W Water St Kerrville, TX 78028Phone: (830)257-3992
Website:
Best Home & Auto Insurance Agencies in 78028
Best Insurance Services
Address: 1810 Junction Hwy, #108 Kerrville, TX 78028Phone:
Website:
Info:
American United Insurance Agency
Address: 100 Guadalupe St Kerrville, TX 78028Phone:
Website:
Info:
Allstate Insurance - Paul Hinson
Address: 201 W Water St Kerrville, TX 78028Phone:
Website:
Info:
Allstate Insurance CO
Address: 800 Main St Kerrville, TX 78028Phone:
Website:
Info:
Housing Demographics for 78028
Population Review for 78028 Zip Code
For the city of Kerrville, the population within 78028 has increased to over 42,845 residents in population size. The current population total is 40,789. We have broken down the population based on race below. In 78028, there are over 19626 in male population and 21163 females.
| Population | Values |
|---|---|
| Total Population | 40,789 |
| White Population | 30958 |
| Black Population | 734 |
| Hispanic Population | 10343 |
| Asian Population | 523 |
| Hawaiian Population | 44 |
| Indian Population | 242 |
| Other Population | 2935 |
| Male Population | 19626 |
| Female Population | 21163 |
| Population Estimate | 42845 |
Household Data for 78028
The average number of homes in 78028 is around 17,282, there are an average of 2.26 per household. The average house value according to local real estate values is around $213,700. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 17,282 |
| Persons Per Household | 2.26 |
| Average House Value | $213,700 |
| Income Per Household | $59802 |
| Median Age | 50.9 |
| Median Age Male | 48.0 |
| Median Age Female | 53.4 |
| 78028 Details | Values |
|---|---|
| State | TX |
| State Full Name | Texas |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 830 |
| City | Kerrville |
| City Alias Name | KERRVILLE |
| 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 | 1256 |
| Number Of Employees | 14037 |
| Business First Quarter Payroll | 148618 |
| Business Annual Payroll | 664841 |
| 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 | 18958 |
| Delivery Business | 1734 |
| Delivery Total | 20570 |
| Preferred Last Line Key | W24306 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | San Antonio-New Braunfels-Kerrville, TX |
| CBSA_DIV_Name | |
| City State Key | W24306 |
| Land Area | 263.323000 |
| Water Area | 1.588000 |
| City Alias Code | |
| City Mixed Case | Kerrville |
| City Alias Mixed Case | Kerrville |
| Box Count | 0 |
| SFDU | 13612 |
| MFDU | 2229 |
| State ANSI | 48 |
| County ANSI | 265 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 484685 |
| 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 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 […]
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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 […]
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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 […]
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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 […]