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Searching for Homeowners Insurance in 79547
If you are a homeowners that lives in 79547 you may be searching for more affordable homeowners insurance in Rule. Insurance rates can change on a yearly basis so if your current insurer has raised your rates recently it may be time to shop your coverage and we can help.
GetHomeInsuranceQuotes.com makes shopping your insurance policy quick and easy for residents of Rule, TX. All you have to do is enter a bit of information about your home and we will gather 12 quotes from nationwide insurers, making sure that you get the best coverage levels and rates available.
Our Texas licensed agents will provide a free consultation to make sure you are fully protected as well as answer any questions you may have about policy options. Insurance can be complicated so it pays to have a professional walk you through your various policy choices. As always, our service is free.
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Get 79547 Home Insurance Rate Quotes Right Now!
You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Rule, TX home insurance quotes in your local city and review the most competitive coverages and premiums.
Check Out 79547 Home Insurance Costs: very high!
In Rule, homeowners are paying roughly $1504 per year for a HO-3 policy which is considered the standard for a single family home. In order to find the best policy at the best price, we compare rates from some of the most competitive insurers and present you with your best options for homeowners insurance coverage in 79547 zip code.
Our service is free and we never spam our clients so you only receive the information that you request. While all situations are different, in most cases, homeowners in Rule are saving up to 40 percent on their policy costs by using GetHomeInsuranceQuotes.com.
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79547 Home Insurance Average Premiums
$1254 /yr.
Shows Zip Code: 79547 lowest rates with discounts applied on average.
For the 79547, 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) | $1254 /yr. |
| Average Coverage: | $1504 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1804 /yr. |
What is the average home insurance cost for a home in 79547?
- • The average homeowners insurance premium paid annually for a home in 79547 is around $1504 per year.
What does it cost on average per month for home insurance in 79547?
- • Homeowners in 79547 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 79547?
- • Autoowners in 79547 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 Rule area, check out other zip codes nearby 79547.
Review average rates in another zip code:
79547 homeowners insurance rates
79548 homeowners insurance rates
Home Replacement Cost Coverage in 79547
Average Building Cost Per Square Foot in 79547: $129
Location: Rule, Texas (Haskell County)Average Square Footage in 79547: 418 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 79547 before you start any project. Rule 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 79547 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 79547 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 418 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 Rule 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $129 | 418 | $53,900 |
| Additional Upgrades & Added Features | $161 | 418 | $67,375 |
| Major Home Updates or Advancements | $194 | 418 | $80,850 |
It's important to understand that when you estimate your replacement cost of your home in the 79547 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 79547
Best Home & Auto Insurance Agencies in 79547
Housing Demographics for 79547
Population Review for 79547 Zip Code
For the city of Rule, the population within 79547 has increased to over 675 residents in population size. The current population total is 666. We have broken down the population based on race below. In 79547, there are over 342 in male population and 324 females.
| Population | Values |
|---|---|
| Total Population | 666 |
| White Population | 493 |
| Black Population | 10 |
| Hispanic Population | 156 |
| Asian Population | 0 |
| Hawaiian Population | 1 |
| Indian Population | 10 |
| Other Population | 76 |
| Male Population | 342 |
| Female Population | 324 |
| Population Estimate | 675 |
Household Data for 79547
The average number of homes in 79547 is around 266, there are an average of 2.50 per household. The average house value according to local real estate values is around $53,900. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 266 |
| Persons Per Household | 2.50 |
| Average House Value | $53,900 |
| Income Per Household | $28450 |
| Median Age | 47.3 |
| Median Age Male | 49.0 |
| Median Age Female | 45.3 |
| 79547 Details | Values |
|---|---|
| State | TX |
| State Full Name | Texas |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 940 |
| City | Rule |
| City Alias Name | RULE |
| County | Haskell |
| County FIPS | 207 |
| State FIPS | 48 |
| Time Zone | 6 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | |
| CBSA_DIV | |
| CBSA_Type | |
| CBSA_Name | |
| MSA_Name | |
| PMSA_Name | |
| Region | South |
| Division | West South Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 9 |
| Number Of Employees | 36 |
| Business First Quarter Payroll | 457 |
| Business Annual Payroll | 2004 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 0 |
| CBSA Division Population | 0 |
| Congressional District | 19 |
| Congressional LandArea | 25835.59 |
| Delivery Residential | 270 |
| Delivery Business | 6 |
| Delivery Total | 449 |
| Preferred Last Line Key | W25462 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | W25462 |
| Land Area | 80.713000 |
| Water Area | 0.011000 |
| City Alias Code | |
| City Mixed Case | Rule |
| City Alias Mixed Case | Rule |
| Box Count | 75 |
| SFDU | 270 |
| MFDU | 0 |
| State ANSI | 48 |
| County ANSI | 207 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 487855 |
| Unique ZIP Name | |
| SSA State County Code | 45630 |
| Medicare CBSA Code | 99945 |
| Medicare CBSA Name | Rural Areas in TX |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 1 |
| County Mixed Case | Haskell |
Texas Homeowners Insurance News & Information
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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 […]
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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 […]
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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 […]
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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 […]
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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 […]
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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 […]
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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 […]