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Check Out 78248 Home Insurance Rates

Shopping for homeowners insurance is never fun but at GetHomeInsuranceQuotes.com we make the process much easier. We will provide you with multiple quotes and coverage options for your home in San Antonio, TX.

We will gather some basic information about your home in San Antonio, TX and will then get to work and gather quotes from up to 12 nationwide home insurers who will provide their most competitive prices for your policy needs.

Our service is always free and we have a team of Texas licensed home insurance professionals who can walk you through your policy options as well as answer any questions you may have about rates or coverage levels. In addition they will do a discount review to make sure you are getting all of the discounts that you are entitled to receive.

If you are ready to start researching homeowner insurance rates in 78248 simply click the "Get Multiple Quotes Now" button.

Research Home Insurance Quotes in 78248

We have pulled together a variety of data related to homeowners insurance in Texas. Simply click on one of the links below to learn about the average cost of homeowners insurance in Texas as well as local coverage options.

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.

78248 Homeowners Insurance Rates, Average Rating: very high!

Homeowners insurance policies in 78248 include both property and casualty coverage which protects your home from a variety of risks which include but are not limited to fire, theft, vandalism, and wind damage. A standard homeowner policy also includes liability protection, which can come in handy if someone is injured on your property.

Unfortunately, flood and earthquake damage is not covered by a standard homeowners insurance policy so if you are located in a flood plain or high risk area, you will need a separate flood policy.

Regardless of what type of homeowners insurance you need, we can help you find a great policy at an affordable price. Data shows that for a standard homeowner policy in Texas is roughly $1527. In most cases, we can help you save up to 40 percent on your homeowner insurance costs.

Get started right now saving on your 78248 homeowners insurance policy!

78248 Home Insurance Average Premiums

Local 78248 homeowners insurance quotes comparison

$1277 /yr.

Shows Zip Code: 78248 lowest rates with discounts applied on average.

For the 78248, 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)
$1277 /yr.
Average Coverage:$1527 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1827 /yr.

What is the average home insurance cost for a home in 78248?

  • • The average homeowners insurance premium paid annually for a home in 78248 is around $1527 per year.

What does it cost on average per month for home insurance in 78248?

  • • Homeowners in 78248 pay a monthly average cost per month around $127.00.

What kind of discount could I get if I combine my home and auto insurance together in 78248?

  • • Autoowners in 78248 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 78248.
Review average rates in another zip code:
78228 homeowners insurance rates
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78252 homeowners insurance rates

Home Replacement Cost Coverage in 78248

Average Building Cost Per Square Foot in 78248: $129

Location: San Antonio, Texas (Bexar County)

Average Square Footage in 78248: 2,909 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 78248 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 78248 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 78248 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,909 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$1292,909$375,300
Additional Upgrades & Added Features$1612,909$469,125
Major Home Updates or Advancements$1942,909$562,950

It's important to understand that when you estimate your replacement cost of your home in the 78248 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 78248

Best Home & Auto Insurance Agencies in 78248

Bibb- Barry M - State Farm Insurance Agent

Address: 16621 Huebner Rd San Antonio, TX 78248
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Alex Post State Farm Insurance

Address: 2602 N Loop 1604 W San Antonio, TX 78248
Phone:
Website: http://www.alexpostagency.com/
Info:

Reza, Benito - Allstate

Address: 14855 Blanco Rd-206 San Antonio, TX 78248
Phone:
Website: http://www.allstateagencies.com/BenitoReza/Welcome/
Info:

Housing Demographics for 78248

Population Review for 78248 Zip Code

For the city of San Antonio, the population within 78248 has increased to over 14,363 residents in population size. The current population total is 13,825. We have broken down the population based on race below. In 78248, there are over 6623 in male population and 7202 females.

PopulationValues
Total Population13,825
White Population9476
Black Population304
Hispanic Population4268
Asian Population497
Hawaiian Population11
Indian Population58
Other Population529
Male Population6623
Female Population7202
Population Estimate14363

Household Data for 78248

The average number of homes in 78248 is around 5,579, there are an average of 2.46 per household. The average house value according to local real estate values is around $375,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,579
Persons Per Household2.46
Average House Value$375,300
Income Per Household$122986
Median Age45.8
Median Age Male44.6
Median Age Female47.0
78248 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 Businesses402
Number Of Employees6689
Business First Quarter Payroll92926
Business Annual Payroll424122
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 District23
Congressional LandArea58059.18
Delivery Residential5839
Delivery Business251
Delivery Total16737
Preferred Last Line KeyW25505
Classification Code
Multi-County
CSA NameSan Antonio-New Braunfels-Kerrville, TX
CBSA_DIV_Name
City State KeyW25505
Land Area3.854000
Water Area0.003000
City Alias Code
City Mixed CaseSan Antonio
City Alias Mixed CaseSan Antonio
Box Count0
SFDU1992
MFDU1036
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 […]