Get multiple home insurance quotes in 78934. Our licensed 78934, TX agents are ready to serve you.

Homeowners Insurance in 78934

In Columbus, TX, our homeowners insurance rates are very competitive in price and coverage options. Many homeowners located in the 78934 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. When you start our quoting process, we will clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Texas licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. Best of all, you can get up to 12 competitive quotes for your home in 78934 all from one place. Our quoting process is hassle free and we do not spam. If you want to see real savings on your new home insurance policy, let us help you shop online home insurance quotes that are more affordable and have better coverage. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 78934 should appear in the zip code field ready to go.

78934 Homeowners Insurance Rates Are Considered: Very High!

If your looking for a standard homeowners policy in Texas, you are going to see rates around the average home insurance premium per year of $1456. However, with our online quoting process, we can compare the most competitive rates for you. Plus, our professional advice will allow you to get the most out of your Columbus home insurance by making sure all the risk you may encounter will be covered. Homeowners insurance comes in a variety of different coverage options and we want to get you the best rate but also provide a dependable company and policy that you can stand behind when you need it the most.

Get 78934 Home Insurance Rates Now!

Best 3 Options to Compare in 78934

If you want homeowners insurance quotes within the city of Columbus or in the 78934 area then we can help you compare the most affordable options when it comes to getting a new homeowners insurance policy. Clicking on the link helps you find average home insurance rates in Columbus, TX.

78934 Home Insurance Average Premiums

Local 78934 homeowners insurance quotes comparison

$1206 /yr.

Shows Zip Code: 78934 lowest rates with discounts applied on average.

For the 78934, 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)
$1206 /yr.
Average Coverage:$1456 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1756 /yr.

What is the average home insurance cost for a home in 78934?

  • • The average homeowners insurance premium paid annually for a home in 78934 is around $1456 per year.

What does it cost on average per month for home insurance in 78934?

  • • Homeowners in 78934 pay a monthly average cost per month around $121.00.

What kind of discount could I get if I combine my home and auto insurance together in 78934?

  • • Autoowners in 78934 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 Columbus area, check out other zip codes nearby 78934.
Review average rates in another zip code:
78934 homeowners insurance rates

Home Replacement Cost Coverage in 78934

Average Building Cost Per Square Foot in 78934: $129

Location: Columbus, Texas (Colorado County)

Average Square Footage in 78934: 1,387 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 78934 before you start any project. Columbus 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 78934 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 78934 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,387 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 Columbus 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$1291,387$178,900
Additional Upgrades & Added Features$1611,387$223,625
Major Home Updates or Advancements$1941,387$268,350

It's important to understand that when you estimate your replacement cost of your home in the 78934 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 78934

Best Home & Auto Insurance Agencies in 78934

Adkins, Rod - Eagle Lake Insurance Association

Address: 537 Spring St Columbus, TX 78934
Phone:
Website: http://www.allstateagencies.com/097980/Welcome/
Info:

Housing Demographics for 78934

Population Review for 78934 Zip Code

For the city of Columbus, the population within 78934 has increased to over 7,256 residents in population size. The current population total is 6,770. We have broken down the population based on race below. In 78934, there are over 3400 in male population and 3370 females.

PopulationValues
Total Population6,770
White Population4654
Black Population740
Hispanic Population1568
Asian Population52
Hawaiian Population0
Indian Population22
Other Population647
Male Population3400
Female Population3370
Population Estimate7256

Household Data for 78934

The average number of homes in 78934 is around 2,699, there are an average of 2.39 per household. The average house value according to local real estate values is around $178,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,699
Persons Per Household2.39
Average House Value$178,900
Income Per Household$61573
Median Age45.0
Median Age Male43.3
Median Age Female48.3
78934 DetailsValues
StateTX
State Full NameTexas
City TypeP
City Alias Abbreviation
Area Code979
CityColumbus
City Alias NameCOLUMBUS
CountyColorado
County FIPS089
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 Businesses243
Number Of Employees2870
Business First Quarter Payroll28482
Business Annual Payroll128926
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 District10
Congressional LandArea5070.95
Delivery Residential3036
Delivery Business325
Delivery Total4151
Preferred Last Line KeyW23307
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyW23307
Land Area221.469000
Water Area3.093000
City Alias Code
City Mixed CaseColumbus
City Alias Mixed CaseColumbus
Box Count566
SFDU2603
MFDU278
State ANSI48
County ANSI089
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number481905
Unique ZIP Name
SSA State County Code45312
Medicare CBSA Code99945
Medicare CBSA NameRural Areas in TX
Medicare CBSA TypeMicro
Market Rating Area ID26
County Mixed CaseColorado

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 […]