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Are you paying too much for homeowners insurance in 79548? If the answer is yes, you are not alone. Luckily, we can help you find a great policy in Rule, TX that provides all of the protection you need at a price that is affordable.
Our service doesn’t end with sending you quotes from 12 of the nations top insurance companies, our Texas licensed agents will also advise you on every step of the process. They can review your coverage levels to make sure you are fully protected, answer any questions you have and perform a discount review.
Discounts are a major factor when shopping for insurance and can dramatically reduce your costs. Most insurers offer a variety of homeowners insurance discounts but here are few of the most common discounts in 79548?
- Bundling: Buying home, auto and life from one insurer will result in a big discount. Details vary but expect savings of up to 25 percent.
- Security System: Have a security system in your home or are installing one? You should qualify for a discount. Notify your insurer and ask for a home security system discount.
- Paperless Policy: Getting your policy and bills via email instead of in the mail reduces cost for your insurer and they pass some of the savings on to you.
Our service is always free so get started today. Free 79548 home insurance quotes are just a click away. Simply click the "Get Multiple Quotes Now" button, verify your 79548 and get ready to save.
3 Easy Ways To Save Money In 79548
These three links will help you explore home insurance quotes in 79548 zip code as well as provide data about the average cost of a policy in your particular area. This information can be used to verify you are getting a great price on your new policy.
Get Your 79548 Home Insurance Costs Rated: very high!
The average price for a homeowners insurance policy in Rule is roughly $1518. This average is for a standard HO-3 policy, which is the industry standard for a single family home. While an HO-3 policy will protect your home and possessions while also offering liability coverage, it does not protect against flood or earthquake damage.
If you live in a flood zone, a separate flood insurance policy will be required. Our quoting process, combined with our agents local knowledge ensures that you will have the protection you need for your home.
79548 Home Insurance Average Premiums
$1268 /yr.
Shows Zip Code: 79548 lowest rates with discounts applied on average.
For the 79548, 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) | $1268 /yr. |
| Average Coverage: | $1518 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1818 /yr. |
What is the average home insurance cost for a home in 79548?
- • The average homeowners insurance premium paid annually for a home in 79548 is around $1518 per year.
What does it cost on average per month for home insurance in 79548?
- • Homeowners in 79548 pay a monthly average cost per month around $127.00.
What kind of discount could I get if I combine my home and auto insurance together in 79548?
- • Autoowners in 79548 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 79548.
Review average rates in another zip code:
79547 homeowners insurance rates
79548 homeowners insurance rates
Home Replacement Cost Coverage in 79548
Average Building Cost Per Square Foot in 79548: $129
Location: Rule, Texas (Haskell County)Average Square Footage in 79548: 613 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 79548 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 79548 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 79548 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 613 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 | 613 | $79,100 |
| Additional Upgrades & Added Features | $161 | 613 | $98,875 |
| Major Home Updates or Advancements | $194 | 613 | $118,650 |
It's important to understand that when you estimate your replacement cost of your home in the 79548 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 79548
Best Home & Auto Insurance Agencies in 79548
Housing Demographics for 79548
Population Review for 79548 Zip Code
For the city of Rule, the population within 79548 has increased to over 144 residents in population size. The current population total is 165. We have broken down the population based on race below. In 79548, there are over 82 in male population and 83 females.
| Population | Values |
|---|---|
| Total Population | 165 |
| White Population | 134 |
| Black Population | 1 |
| Hispanic Population | 27 |
| Asian Population | 1 |
| Hawaiian Population | 0 |
| Indian Population | 1 |
| Other Population | 8 |
| Male Population | 82 |
| Female Population | 83 |
| Population Estimate | 144 |
Household Data for 79548
The average number of homes in 79548 is around 78, there are an average of 2.12 per household. The average house value according to local real estate values is around $79,100. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 78 |
| Persons Per Household | 2.12 |
| Average House Value | $79,100 |
| Income Per Household | $48750 |
| Median Age | 54.4 |
| Median Age Male | 49.5 |
| Median Age Female | 55.5 |
| 79548 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 | 3 |
| Number Of Employees | 16 |
| Business First Quarter Payroll | 69 |
| Business Annual Payroll | 359 |
| 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 | 68 |
| Delivery Business | 3 |
| Delivery Total | 69 |
| Preferred Last Line Key | W25462 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | W25462 |
| Land Area | 80.140000 |
| Water Area | 0.007000 |
| City Alias Code | |
| City Mixed Case | Rule |
| City Alias Mixed Case | Rule |
| Box Count | 0 |
| SFDU | 66 |
| 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 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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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 […]