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79031, TX Home Insurance

In the zip code of 79031, the population size is around 1,188, which consists of 445 occupied homes in your area. We often hear homeowners ask us what the average home insurance premiums are for residence living in Earth, TX. A few years ago, a study was done and found that the average home insurance rates for Texas are around $1,501 per year for a standard homeowners policy. At GetHomeInsuranceQuotes.com, we help homeowners find cheaper rates and better coverage for an existing or new home purchase opportunity. We have partnered with 12 major home insurance companies that have the most competitive rates for homes in the 79031 zip code location. Our savings model helps you not only save up to 40% or more, but also includes enhanced coverage options to help protect your home and family while livings in Earth. If you enter your zip code for the home you would like to shop and compare rates for today, we can help you review the premiums and coverage online or over the phone. Give us a call now at 1-866-502-7287 so we can help you compare rates today!

If you would like to review more information on rates within your area, please click Earth, TX Homeowners Insurance Online Rates Today!

79031 Home Insurance Average Premiums

Local 79031 homeowners insurance quotes comparison

$1251 /yr.

Shows Zip Code: 79031 lowest rates with discounts applied on average.

For the 79031, 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)
$1251 /yr.
Average Coverage:$1501 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1801 /yr.

What is the average home insurance cost for a home in 79031?

  • • The average homeowners insurance premium paid annually for a home in 79031 is around $1501 per year.

What does it cost on average per month for home insurance in 79031?

  • • Homeowners in 79031 pay a monthly average cost per month around $125.00.

What kind of discount could I get if I combine my home and auto insurance together in 79031?

  • • Autoowners in 79031 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 Earth area, check out other zip codes nearby 79031.
Review average rates in another zip code:
79031 homeowners insurance rates

Home Replacement Cost Coverage in 79031

Average Building Cost Per Square Foot in 79031: $129

Location: Earth, Texas (Lamb County)

Average Square Footage in 79031: 626 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 79031 before you start any project. Earth 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 79031 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 79031 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 626 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 Earth 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$129626$80,700
Additional Upgrades & Added Features$161626$100,875
Major Home Updates or Advancements$194626$121,050

It's important to understand that when you estimate your replacement cost of your home in the 79031 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 79031

Best Home & Auto Insurance Agencies in 79031

Housing Demographics for 79031

Population Review for 79031 Zip Code

For the city of Earth, the population within 79031 has increased to over 269 residents in population size. The current population total is 1,188. We have broken down the population based on race below. In 79031, there are over 579 in male population and 609 females.

PopulationValues
Total Population1,188
White Population622
Black Population15
Hispanic Population743
Asian Population0
Hawaiian Population1
Indian Population2
Other Population239
Male Population579
Female Population609
Population Estimate269

Household Data for 79031

The average number of homes in 79031 is around 445, there are an average of 2.67 per household. The average house value according to local real estate values is around $80,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode445
Persons Per Household2.67
Average House Value$80,700
Income Per Household$41176
Median Age38.3
Median Age Male37.1
Median Age Female38.9
79031 DetailsValues
StateTX
State Full NameTexas
City TypeP
City Alias Abbreviation
Area Code806
CityEarth
City Alias NameEARTH
CountyLamb
County FIPS279
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 Businesses21
Number Of Employees202
Business First Quarter Payroll4181
Business Annual Payroll16324
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 District19
Congressional LandArea25835.59
Delivery Residential101
Delivery Business3
Delivery Total1540
Preferred Last Line KeyW23574
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyW23574
Land Area103.140000
Water Area0.005000
City Alias Code
City Mixed CaseEarth
City Alias Mixed CaseEarth
Box Count372
SFDU101
MFDU0
State ANSI48
County ANSI279
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number482670
Unique ZIP Name
SSA State County Code45751
Medicare CBSA Code99945
Medicare CBSA NameRural Areas in TX
Medicare CBSA TypeMicro
Market Rating Area ID14
County Mixed CaseLamb

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 […]