Get multiple home insurance quotes in 78140. Our licensed 78140, TX agents are ready to serve you.

Find the Best Home Insurance Rates in 78140

Shopping for homeowners insurance in 78140 is never fun, but it is a necessity if you want to find the best policy for your home while also keeping your premium affordable. If you live in Nixon, TX and want to enhance your homeowners coverage while decreasing your annual premium, then let us help you shop the best rates and coverage options.

We can easily shop up to 12 competitive insurance companies so you can compare rates and coverage levels in the privacy of your own home. As an added bonus, our Texas licensed agents will help you sort through your insurance options and answer any questions you may have about coverages and rates. As always, our service is completely free.

If you are ready to start searching for a new policy, simply click on the "Get Multiple Quotes Now" button. Your 78140 should populate in the zip code field and then you are ready to go. Enter some basic information on your home and we will get started on your quotes.

Home Insurance Rate Quotes in 78140

Find Nixon, TX Homeowners Insurance Quotes to review the best coverage options in your area.

78140 Home Insurance Rating is: very high!

In 78140 the average premium is $1507. We can help you save up to 40 percent off of the average premium by having up to 12 highly rated nationwide insurers compete for your business. Our agents will also do a professional analysis of your policy options to make sure you are getting the coverage you need at the best price.

A Quick Tip: For homeowners living in 78140, always keep an updated home inventory. This can be a game changer in the event you have to make a claim. It will make the claim process go quicker and ensure that you are fully and fairly reimbursed for your loss. There are tons of home inventory apps online that can make the tedious job of putting together an inventory quick and easy. As a bonus, your inventory is stored in the cloud so you always have access to it.

Start shopping for a great new policy right now. Get Multiple Home Insurance Rates in 78140!

78140 Home Insurance Average Premiums

Local 78140 homeowners insurance quotes comparison

$1257 /yr.

Shows Zip Code: 78140 lowest rates with discounts applied on average.

For the 78140, 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)
$1257 /yr.
Average Coverage:$1507 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1807 /yr.

What is the average home insurance cost for a home in 78140?

  • • The average homeowners insurance premium paid annually for a home in 78140 is around $1507 per year.

What does it cost on average per month for home insurance in 78140?

  • • Homeowners in 78140 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 78140?

  • • Autoowners in 78140 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 Nixon area, check out other zip codes nearby 78140.
Review average rates in another zip code:
78140 homeowners insurance rates

Home Replacement Cost Coverage in 78140

Average Building Cost Per Square Foot in 78140: $129

Location: Nixon, Texas (Gonzales County)

Average Square Footage in 78140: 628 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 78140 before you start any project. Nixon 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 78140 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 78140 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 628 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 Nixon 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$129628$81,000
Additional Upgrades & Added Features$161628$101,250
Major Home Updates or Advancements$194628$121,500

It's important to understand that when you estimate your replacement cost of your home in the 78140 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 78140

Best Home & Auto Insurance Agencies in 78140

Housing Demographics for 78140

Population Review for 78140 Zip Code

For the city of Nixon, the population within 78140 has increased to over 3,896 residents in population size. The current population total is 3,607. We have broken down the population based on race below. In 78140, there are over 1828 in male population and 1779 females.

PopulationValues
Total Population3,607
White Population2289
Black Population71
Hispanic Population2303
Asian Population11
Hawaiian Population1
Indian Population25
Other Population621
Male Population1828
Female Population1779
Population Estimate3896

Household Data for 78140

The average number of homes in 78140 is around 1,252, there are an average of 2.88 per household. The average house value according to local real estate values is around $81,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,252
Persons Per Household2.88
Average House Value$81,000
Income Per Household$60476
Median Age36.2
Median Age Male35.4
Median Age Female37.5
78140 DetailsValues
StateTX
State Full NameTexas
City TypeP
City Alias Abbreviation
Area Code830
CityNixon
City Alias NameNIXON
CountyGonzales
County FIPS177
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 Businesses48
Number Of Employees788
Business First Quarter Payroll9534
Business Annual Payroll42216
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 District15|27|34
Congressional LandArea7804.07|9128.25|8190.32
Delivery Residential1353
Delivery Business61
Delivery Total1642
Preferred Last Line KeyW24909
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyW24909
Land Area175.041000
Water Area0.735000
City Alias Code
City Mixed CaseNixon
City Alias Mixed CaseNixon
Box Count211
SFDU503
MFDU0
State ANSI48
County ANSI177
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number486415
Unique ZIP Name
SSA State County Code45562
Medicare CBSA Code99945
Medicare CBSA NameRural Areas in TX
Medicare CBSA TypeMicro
Market Rating Area ID18
County Mixed CaseGonzales

Texas Homeowners Insurance News & Information

  • 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 […]

  • 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 […]

  • 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 […]