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78209 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 78209 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in San Antonio, TX quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 78209.

Shopping for insurance quotes on GetHomeInsuranceQuotes.com is always free and we will provide you with a free consultation to answer any questions you may have about coverages and rates.

If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 78209 and start shopping.

Quickly and Easily Compare Average Rates for 78209

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

Average Policy Rates in 78209

Homeowners in San Antonio are paying roughly $1409 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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78209 Home Insurance Average Premiums

Local 78209 homeowners insurance quotes comparison

$1159 /yr.

Shows Zip Code: 78209 lowest rates with discounts applied on average.

For the 78209, 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)
$1159 /yr.
Average Coverage:$1409 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1709 /yr.

What is the average home insurance cost for a home in 78209?

  • • The average homeowners insurance premium paid annually for a home in 78209 is around $1409 per year.

What does it cost on average per month for home insurance in 78209?

  • • Homeowners in 78209 pay a monthly average cost per month around $117.00.

What kind of discount could I get if I combine my home and auto insurance together in 78209?

  • • Autoowners in 78209 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 San Antonio area, check out other zip codes nearby 78209.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 78209

Average Building Cost Per Square Foot in 78209: $129

Location: San Antonio, Texas (Bexar County)

Average Square Footage in 78209: 3,132 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 78209 before you start any project. San Antonio 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 78209 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 78209 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,132 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 San Antonio 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$1293,132$404,000
Additional Upgrades & Added Features$1613,132$505,000
Major Home Updates or Advancements$1943,132$606,000

It's important to understand that when you estimate your replacement cost of your home in the 78209 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 78209

Best Home & Auto Insurance Agencies in 78209

GEICO

Address: 1247 NE Interstate 410 Loop San Antonio, TX 78209
Phone:
Website: http://www.geico.com/local/dballard
Info:

Kevin P McLoughlin - Nationwide Insurance

Address: 306 W Sunset Rd-100 San Antonio, TX 78209
Phone:
Website: http://www.nationwide.com/agent/San-Antonio-TEXAS-insurance-agent/kevin-mcloughlin/office.html
Info:

Auth- Vicki L - State Farm Insurance Agent

Address: 8015 Broadway St, #200 San Antonio, TX 78209
Phone:
Website: http://www.vickiauth.net
Info:

Joseph A Gutierrez - Allstate Agent

Address: 6102 Broadway St San Antonio, TX 78209
Phone:
Website: http://www.allstateagencies.com/joseph.gutierrez/Welcome/
Info:

Allstate Insurance Company - Robin Czarnek

Address: 13032 Nacogdoches Rd San Antonio, TX 78209
Phone:
Website: http://www.allstateagencies.com/019697?cid=OTC-YP.com-IYP&att=TL
Info:

Housing Demographics for 78209

Population Review for 78209 Zip Code

For the city of San Antonio, the population within 78209 has increased to over 43,880 residents in population size. The current population total is 42,456. We have broken down the population based on race below. In 78209, there are over 20106 in male population and 22350 females.

PopulationValues
Total Population42,456
White Population28689
Black Population1925
Hispanic Population13057
Asian Population1121
Hawaiian Population39
Indian Population300
Other Population3010
Male Population20106
Female Population22350
Population Estimate43880

Household Data for 78209

The average number of homes in 78209 is around 19,195, there are an average of 2.14 per household. The average house value according to local real estate values is around $404,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode19,195
Persons Per Household2.14
Average House Value$404,000
Income Per Household$74042
Median Age40.5
Median Age Male38.8
Median Age Female42.1
78209 DetailsValues
StateTX
State Full NameTexas
City TypeP
City Alias Abbreviation
Area Code210
CitySan Antonio
City Alias NameSAN ANTONIO
CountyBexar
County FIPS029
State FIPS48
Time Zone6
Day Light SavingY
MSA7240
PMSA
CSA484
CBSA41700
CBSA_DIV
CBSA_TypeMetro
CBSA_NameSan Antonio-New Braunfels, TX
MSA_NameSan Antonio, TX MSA
PMSA_Name
RegionSouth
DivisionWest South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1789
Number Of Employees25329
Business First Quarter Payroll272642
Business Annual Payroll1188826
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population2142508
CBSA Division Population0
Congressional District20|21|35
Congressional LandArea199.68|5920.89|593.77
Delivery Residential20505
Delivery Business1998
Delivery Total23132
Preferred Last Line KeyW25505
Classification Code
Multi-County
CSA NameSan Antonio-New Braunfels-Kerrville, TX
CBSA_DIV_Name
City State KeyW25505
Land Area10.171000
Water Area0.026000
City Alias Code
City Mixed CaseSan Antonio
City Alias Mixed CaseSan Antonio
Box Count572
SFDU10430
MFDU8851
State ANSI48
County ANSI029
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number487980
Unique ZIP Name
SSA State County Code45130
Medicare CBSA Code41700
Medicare CBSA NameSan Antonio-New Braunfels, TX
Medicare CBSA TypeMetro
Market Rating Area ID18
County Mixed CaseBexar

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 […]

  • 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 […]