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Homeowners Insurance in 79098

In Wildorado, TX, our homeowners insurance rates are very competitive in price and coverage options. Many homeowners located in the 79098 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 79098 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 79098 should appear in the zip code field ready to go.

79098 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 $1468. 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 Wildorado 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 79098 Home Insurance Rates Now!

Best 3 Options to Compare in 79098

If you want homeowners insurance quotes within the city of Wildorado or in the 79098 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 Wildorado, TX.

79098 Home Insurance Average Premiums

Local 79098 homeowners insurance quotes comparison

$1218 /yr.

Shows Zip Code: 79098 lowest rates with discounts applied on average.

For the 79098, 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)
$1218 /yr.
Average Coverage:$1468 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1768 /yr.

What is the average home insurance cost for a home in 79098?

  • • The average homeowners insurance premium paid annually for a home in 79098 is around $1468 per year.

What does it cost on average per month for home insurance in 79098?

  • • Homeowners in 79098 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 79098?

  • • Autoowners in 79098 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 Wildorado area, check out other zip codes nearby 79098.
Review average rates in another zip code:
79098 homeowners insurance rates

Home Replacement Cost Coverage in 79098

Average Building Cost Per Square Foot in 79098: $129

Location: Wildorado, Texas (Oldham County)

Average Square Footage in 79098: 1,030 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 79098 before you start any project. Wildorado 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 79098 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 79098 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,030 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 Wildorado 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$1291,030$132,900
Additional Upgrades & Added Features$1611,030$166,125
Major Home Updates or Advancements$1941,030$199,350

It's important to understand that when you estimate your replacement cost of your home in the 79098 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 79098

Best Home & Auto Insurance Agencies in 79098

Housing Demographics for 79098

Population Review for 79098 Zip Code

For the city of Wildorado, the population within 79098 has increased to over 288 residents in population size. The current population total is 526. We have broken down the population based on race below. In 79098, there are over 257 in male population and 269 females.

PopulationValues
Total Population526
White Population422
Black Population3
Hispanic Population71
Asian Population1
Hawaiian Population0
Indian Population4
Other Population27
Male Population257
Female Population269
Population Estimate288

Household Data for 79098

The average number of homes in 79098 is around 173, there are an average of 3.04 per household. The average house value according to local real estate values is around $132,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode173
Persons Per Household3.04
Average House Value$132,900
Income Per Household$35905
Median Age41.4
Median Age Male47.1
Median Age Female36.9
79098 DetailsValues
StateTX
State Full NameTexas
City TypeP
City Alias Abbreviation
Area Code806
CityWildorado
City Alias NameWILDORADO
CountyOldham
County FIPS359
State FIPS48
Time Zone6
Day Light SavingY
MSA
PMSA
CSA108
CBSA11100
CBSA_DIV
CBSA_TypeMetro
CBSA_NameAmarillo, TX
MSA_Name
PMSA_Name
RegionSouth
DivisionWest South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses5
Number Of Employees46
Business First Quarter Payroll430
Business Annual Payroll1903
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population249881
CBSA Division Population0
Congressional District13
Congressional LandArea38349.24
Delivery Residential95
Delivery Business4
Delivery Total220
Preferred Last Line KeyW26333
Classification Code
Multi-CountyY
CSA NameAmarillo-Borger, TX
CBSA_DIV_Name
City State KeyW26333
Land Area179.433000
Water Area0.185000
City Alias Code
City Mixed CaseWildorado
City Alias Mixed CaseWildorado
Box Count96
SFDU95
MFDU0
State ANSI48
County ANSI359
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number489735
Unique ZIP Name
SSA State County Code45832
Medicare CBSA Code11100
Medicare CBSA NameAmarillo, TX
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CaseOldham

Texas Homeowners Insurance News & Information

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    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 […]