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78735 Home Insurance Rates

Getting multiple homeowners insurance rates in 78735 is the best way to review and compare all the coverage options available for you, your home and your family. Our homeowners rates are very competitive for homeowners living in the great city of Austin, TX. Many homeowners based out of the 78735 zip code 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. We can compare up to 12 competitive home insurance rates for you all in one place. Plus, our home insurance quotes are free and our Texas licensed home insurance professionals can provide a free consultation service to you that allows you to ask questions about which policy and coverage package is best for you. To get free home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 78735 should appear in the zip code field ready to go. For Austin, TX Home Insurance Quotes, Click to easily get started!

78735 Homeowners Insurance Rates, Average Rating: Very High!

Your homeowners insurance policy in 78735 consists of both property and casualty insurance coverage. This type of policy will insure your home against a variety of risks, including fire, theft and windstorm damage. Additional protection is also included in most policies that offer liability coverage against accidents that may injure other people on your property in Austin. For a basic HO-3, standard homeowners policy, the average premium per year in Texas is around $1472. By shopping your home insurance with us at GetHomeInsuranceQuotes.com, we can help you compare the most affordable rates and enhanced coverage options. Please enter your 78735 zip code today and let us help you save time and money on your homeowners insurance premium.

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78735 Home Insurance Average Premiums

Local 78735 homeowners insurance quotes comparison

$1222 /yr.

Shows Zip Code: 78735 lowest rates with discounts applied on average.

For the 78735, 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)
$1222 /yr.
Average Coverage:$1472 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1772 /yr.

What is the average home insurance cost for a home in 78735?

  • • The average homeowners insurance premium paid annually for a home in 78735 is around $1472 per year.

What does it cost on average per month for home insurance in 78735?

  • • Homeowners in 78735 pay a monthly average cost per month around $123.00.

What kind of discount could I get if I combine my home and auto insurance together in 78735?

  • • Autoowners in 78735 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 Austin area, check out other zip codes nearby 78735.
Review average rates in another zip code:
78705 homeowners insurance rates
78727 homeowners insurance rates
78719 homeowners insurance rates
78738 homeowners insurance rates
78726 homeowners insurance rates
78704 homeowners insurance rates
78702 homeowners insurance rates
78758 homeowners insurance rates
78735 homeowners insurance rates
78734 homeowners insurance rates

Home Replacement Cost Coverage in 78735

Average Building Cost Per Square Foot in 78735: $129

Location: Austin, Texas (Travis County)

Average Square Footage in 78735: 4,905 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 78735 before you start any project. Austin 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 78735 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 78735 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 4,905 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 Austin 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$1294,905$632,800
Additional Upgrades & Added Features$1614,905$791,000
Major Home Updates or Advancements$1944,905$949,200

It's important to understand that when you estimate your replacement cost of your home in the 78735 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 78735

Allstate Insurance - William Polley- CIC

Address: 5184-A Hwy 290 W Austin, TX 78735
Phone: (512)892-2366
Website:

Allstate Insurance - Steven Funk

Address: 7610-C Hwy 71 West Austin, TX 78735
Phone: (512)288-1102
Website:

Best Home & Auto Insurance Agencies in 78735

Britain- Nancy

Address: 7500 W Highway 71 Austin, TX 78735
Phone:
Website:
Info:

Allstate Insurance - William Polley- CIC

Address: 5184 W Highway 290 Austin, TX 78735
Phone:
Website:
Info:

Steven Funk - Allstate Insurance Company

Address: 7610 Texas 71 Austin, TX 78735
Phone:
Website: http://www.clickserve.dartsearch.net/link/click?lid=43000000142097325
Info:

Etzler, Dennis L - State Farm Insurance Agent

Address: 6118 W Highway 290 Austin, TX 78735
Phone:
Website: http://www.statefarm.mqgroup.com/url.asp?usr=538271
Info:

Bennie E Council Ins Agcy Inc - State Farm Insurance Agent

Address: 6448 W Highway 290 Austin, TX 78735
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
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Housing Demographics for 78735

Population Review for 78735 Zip Code

For the city of Austin, the population within 78735 has increased to over 22,706 residents in population size. The current population total is 20,983. We have broken down the population based on race below. In 78735, there are over 10249 in male population and 10734 females.

PopulationValues
Total Population20,983
White Population14686
Black Population500
Hispanic Population4416
Asian Population1465
Hawaiian Population10
Indian Population110
Other Population1519
Male Population10249
Female Population10734
Population Estimate22706

Household Data for 78735

The average number of homes in 78735 is around 9,342, there are an average of 2.17 per household. The average house value according to local real estate values is around $632,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode9,342
Persons Per Household2.17
Average House Value$632,800
Income Per Household$105132
Median Age36.1
Median Age Male35.2
Median Age Female37.2
78735 DetailsValues
StateTX
State Full NameTexas
City TypeP
City Alias Abbreviation
Area Code512
CityAustin
City Alias NameAUSTIN
CountyTravis
County FIPS453
State FIPS48
Time Zone6
Day Light SavingY
MSA0640
PMSA
CSA
CBSA12420
CBSA_DIV
CBSA_TypeMetro
CBSA_NameAustin-Round Rock-San Marcos, TX
MSA_NameAustin-San Marcos, TX MSA
PMSA_Name
RegionSouth
DivisionWest South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses836
Number Of Employees18259
Business First Quarter Payroll653442
Business Annual Payroll2915396
Business Employment Flag
Growth Rank28
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number38858
Growth Increase Percentage3.8
Metropolitan DetailsValues
CBSA Population1716289
CBSA Division Population0
Congressional District21|37
Congressional LandArea5920.89|0
Delivery Residential10464
Delivery Business797
Delivery Total13283
Preferred Last Line KeyW22815
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyW22815
Land Area20.193000
Water Area0.000000
City Alias Code
City Mixed CaseAustin
City Alias Mixed CaseAustin
Box Count0
SFDU1535
MFDU4585
State ANSI48
County ANSI453
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number480420
Unique ZIP Name
SSA State County Code45940
Medicare CBSA Code12420
Medicare CBSA NameAustin-Round Rock-Georgetown, TX
Medicare CBSA TypeMetro
Market Rating Area ID3
County Mixed CaseTravis

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 […]