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78632 Home Insurance Rates
For homeowners living in 78632, the population estimates are increasing to well over 990 with 410 occupied homes within the zip code of 78632. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At GetHomeInsuranceQuotes.com, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Harwood have increased and the average home insurance premium is around $1,467 per year in 78632. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 78632 zip code today so we can help you find affordable Harwood, TX home insurance premiums.
Compare Multiple Homeowners Insurance Rates in 78632
Please select one of the three options below based on your 78632 zip code to learn more about Texas homeowners insurance, plus review average rates and information per state, county or city.
- Texas Homeowners Insurance Quotes
- Gonzales County, TX Home Insurance
- Harwood, TX Home Insurance Quotes
78632 Average Home Insurance Rating Cost is: Very High!
Getting cheaper homeowners insurance in the 78632 zip code just got easier with GetHomeInsuranceQuotes.com of Harwood, TX. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 78632 today and let us help you review the best home insurance quotes available for homeowners living in Harwood.
78632 Home Insurance Average Premiums
$1217 /yr.
Shows Zip Code: 78632 lowest rates with discounts applied on average.
For the 78632, 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) | $1217 /yr. |
| Average Coverage: | $1467 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1767 /yr. |
What is the average home insurance cost for a home in 78632?
- • The average homeowners insurance premium paid annually for a home in 78632 is around $1467 per year.
What does it cost on average per month for home insurance in 78632?
- • Homeowners in 78632 pay a monthly average cost per month around $122.00.
What kind of discount could I get if I combine my home and auto insurance together in 78632?
- • Autoowners in 78632 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 Harwood area, check out other zip codes nearby 78632.
Review average rates in another zip code:
78632 homeowners insurance rates
Home Replacement Cost Coverage in 78632
Average Building Cost Per Square Foot in 78632: $129
Location: Harwood, Texas (Gonzales County)Average Square Footage in 78632: 1,304 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 78632 before you start any project. Harwood 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 78632 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 78632 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,304 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 Harwood 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 | 1,304 | $168,200 |
| Additional Upgrades & Added Features | $161 | 1,304 | $210,250 |
| Major Home Updates or Advancements | $194 | 1,304 | $252,300 |
It's important to understand that when you estimate your replacement cost of your home in the 78632 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 78632
Best Home & Auto Insurance Agencies in 78632
Housing Demographics for 78632
Population Review for 78632 Zip Code
For the city of Harwood, the population within 78632 has increased to over 1,000 residents in population size. The current population total is 990. We have broken down the population based on race below. In 78632, there are over 529 in male population and 461 females.
| Population | Values |
|---|---|
| Total Population | 990 |
| White Population | 724 |
| Black Population | 25 |
| Hispanic Population | 260 |
| Asian Population | 2 |
| Hawaiian Population | 0 |
| Indian Population | 4 |
| Other Population | 108 |
| Male Population | 529 |
| Female Population | 461 |
| Population Estimate | 1000 |
Household Data for 78632
The average number of homes in 78632 is around 410, there are an average of 2.41 per household. The average house value according to local real estate values is around $168,200. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 410 |
| Persons Per Household | 2.41 |
| Average House Value | $168,200 |
| Income Per Household | $95845 |
| Median Age | 51.3 |
| Median Age Male | 50.8 |
| Median Age Female | 52.2 |
| 78632 Details | Values |
|---|---|
| State | TX |
| State Full Name | Texas |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 830 |
| City | Harwood |
| City Alias Name | HARWOOD |
| County | Gonzales |
| County FIPS | 177 |
| State FIPS | 48 |
| Time Zone | 6 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | |
| CBSA_DIV | |
| CBSA_Type | |
| CBSA_Name | |
| MSA_Name | |
| PMSA_Name | |
| Region | South |
| Division | West South Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 19 |
| Number Of Employees | 255 |
| Business First Quarter Payroll | 3130 |
| Business Annual Payroll | 15326 |
| 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 | 0 |
| CBSA Division Population | 0 |
| Congressional District | 27 |
| Congressional LandArea | 9128.25 |
| Delivery Residential | 415 |
| Delivery Business | 10 |
| Delivery Total | 865 |
| Preferred Last Line Key | W24042 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | W24042 |
| Land Area | 92.482000 |
| Water Area | 0.168000 |
| City Alias Code | |
| City Mixed Case | Harwood |
| City Alias Mixed Case | Harwood |
| Box Count | 107 |
| SFDU | 413 |
| MFDU | 0 |
| State ANSI | 48 |
| County ANSI | 177 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | D |
| Finance Number | 483915 |
| Unique ZIP Name | |
| SSA State County Code | 45562 |
| Medicare CBSA Code | 99945 |
| Medicare CBSA Name | Rural Areas in TX |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 18 |
| County Mixed Case | Gonzales |
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 […]