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79021 Homeowners Insurance Quotes & Rates

Cotton Center residents living within the 40 homes available in the zip code of 79021 are shopping online to compare cheaper and more affordable Cotton Center, TX home insurance rates. In the great city of Cotton Center, homeowners like you want to find less expensive coverage since the home insurance rates have increased. Currently, the average home insurance rate within the state of Texas is around $1,483 per year. These average rates are based on a standard or basic homeowner policy that covers your home for risk of fire, theft or liability issues if someone was to be injured on your property. We can provide enhanced coverage options to give you that added protection that you need for your home in the 79021 zip code.

With our online home insurance quoting application and excellent review service, we can help you save up to 40% or more on your next homeowners policy. We will shop up to 12 competitive home insurance rates, review all the coverage options available and propose any discounts or credits that may be available to you. Each home insurance company is different and likes to generate rates based on a number of different risk factors when it comes to insuring your home. We will be able to explain which home insurance company is best for you based on the coverage details, rate affordability and claim dependability.

Let us help you shop and compare your 79021 home insurance rates today! Please give us a call now at 1-866-502-7287. For Cotton Center, TX Homeowners Insurance Quotes, Click to easily get started!

79021 Home Insurance Average Premiums

Local 79021 homeowners insurance quotes comparison

$1233 /yr.

Shows Zip Code: 79021 lowest rates with discounts applied on average.

For the 79021, 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)
$1233 /yr.
Average Coverage:$1483 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1783 /yr.

What is the average home insurance cost for a home in 79021?

  • • The average homeowners insurance premium paid annually for a home in 79021 is around $1483 per year.

What does it cost on average per month for home insurance in 79021?

  • • Homeowners in 79021 pay a monthly average cost per month around $124.00.

What kind of discount could I get if I combine my home and auto insurance together in 79021?

  • • Autoowners in 79021 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 Cotton Center area, check out other zip codes nearby 79021.
Review average rates in another zip code:
79021 homeowners insurance rates

Home Replacement Cost Coverage in 79021

Average Building Cost Per Square Foot in 79021: $129

Location: Cotton Center, Texas (Hale County)

Average Square Footage in 79021: 581 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 79021 before you start any project. Cotton Center 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 79021 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 79021 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 581 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 Cotton Center 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$129581$75,000
Additional Upgrades & Added Features$161581$93,750
Major Home Updates or Advancements$194581$112,500

It's important to understand that when you estimate your replacement cost of your home in the 79021 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 79021

Best Home & Auto Insurance Agencies in 79021

Housing Demographics for 79021

Population Review for 79021 Zip Code

For the city of Cotton Center, the population within 79021 has increased to over 0 residents in population size. The current population total is 80. We have broken down the population based on race below. In 79021, there are over 46 in male population and 34 females.

PopulationValues
Total Population80
White Population49
Black Population1
Hispanic Population41
Asian Population0
Hawaiian Population0
Indian Population0
Other Population23
Male Population46
Female Population34
Population Estimate0

Household Data for 79021

The average number of homes in 79021 is around 40, there are an average of 2.00 per household. The average house value according to local real estate values is around $75,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode40
Persons Per Household2.00
Average House Value$75,000
Income Per Household$56250
Median Age46.0
Median Age Male45.0
Median Age Female47.0
79021 DetailsValues
StateTX
State Full NameTexas
City TypeZ
City Alias Abbreviation
Area Code806
CityCotton Center
City Alias NameCOTTON CENTER
CountyHale
County FIPS189
State FIPS48
Time Zone6
Day Light SavingY
MSA
PMSA
CSA352
CBSA38380
CBSA_DIV
CBSA_TypeMicro
CBSA_NamePlainview, TX
MSA_Name
PMSA_Name
RegionSouth
DivisionWest South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses3
Number Of Employees14
Business First Quarter Payroll200
Business Annual Payroll636
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population36273
CBSA Division Population0
Congressional District19
Congressional LandArea25835.59
Delivery Residential0
Delivery Business0
Delivery Total55
Preferred Last Line KeyW23351
Classification CodeP
Multi-County
CSA NameLubbock-Plainview, TX
CBSA_DIV_Name
City State KeyW23351
Land Area7.394000
Water Area0.000000
City Alias Code
City Mixed CaseCotton Center
City Alias Mixed CaseCotton Center
Box Count39
SFDU0
MFDU0
State ANSI48
County ANSI189
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number482055
Unique ZIP Name
SSA State County Code45582
Medicare CBSA Code99945
Medicare CBSA NameRural Areas in TX
Medicare CBSA TypeMicro
Market Rating Area ID14
County Mixed CaseHale

Texas Homeowners Insurance News & Information

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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 […]

  • 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 […]