Brownsboro, TX Home Insurance Quotes!

Enter your Zip Code:    
Easily compare up to 12 competitive Brownsboro, TX rates all in one place!

Did you know finding affordable homeowners insurance rates in Brownsboro, TX just got easier? At GetHomeInsuranceQuotes.com, we provide superior service when it comes to finding cheaper rates with better coverage options and lower priced insurance packages. Our carriers are rated "A+" by A.M. Best and most of all they are brand names you can trust like Travelers, Safeco, Nationwide, Liberty Mutual, Progressive, and so many more.

It's time to start saving time and money by shopping your home and auto insurance policy with us. Lower rates are available for homeowners living in Texas so it's important to work with a Brownsboro insurance agent that knows the best carrier that's right for you and your family. Remember, discounts are available for Brownsboro homeowners that want to bundle their home and car insurance together to get a 22.5% discounts on average to help save you even more.

Interesting Facts About Brownsboro, TX

It's no secret that Brownsboro, TX has now reached over 1,039 residents in population size with 353 homes within the city of Brownsboro. The average family household size in Brownsboro is reported to be around 265. With population density increasing in Brownsboro, it's important to make sure your home has the proper coverage and protection you need for your family. Please visit our home insurance discounts page to find out how you can save additional money on your home insurance premium to help make it more affordable for you.

DemographicValues
Population1,039
Total Occupied Households353
Family Households (families)265
Average Owner Occupied Household Size2.86
Average Family Size3.44
Total Housing Units421

Average Homeowners Insurance Rates in Brownsboro

When reviewing your home insurance policy, Brownsboro homeowners are finding ways to save up to 40% or more when they shop and compare rates online. A common question that we get from homeowners based out of Brownsboro, usually have to do with a comparison request of what they are currently paying per year for homeowners insurance compared to other residents living in HENDERSON County. For starters, average rates in Brownsboro is around $1,485 per year for a $275,000 value home with a heated square footage around 1,375 square feet for replacement cost coverage. All discounts applied, smaller homes see rates as low as $1,235 per year. Larger homes in your area in the 2,000 square foot range that may cost around $400,000 may pay higher premiums in the range of $1,785 per year due to more dwelling coverage required simply because the home is bigger so it cost more to replace in value. Other discounts apply to help make rates cheaper, if you want to shop your home first and then let us shop your auto insurance, this will help decrease you premium because we offer a home and auto discount. These average home insurance rates reflect the cost of a standard home insurance policy which includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage. Does not include specific coverages like flood, earthquate, wind and hail.

If you are looking for the cheapest home insurance rate possible, then it may help to also review your current coverage options compared to the ones we can provide to you. Our Brownsboro, TX licensed agent will help you review the best in price and coverage. Perhaps your current policy is not covering all of your needs. It's important to find a home insurance company that can provide competitive rates with outstanding coverages. Meaning, a policy you can easily afford and depend on when something may go wrong. Our online quoting process helps you find the best of both worlds, and for free you can easily enjoy the benefits of our online home insurance shopping process. Start your Brownsboro, TX home insurance quotes request today!

Compare Homeowners Insurance Rates in Brownsboro, TX!

Enter your Zip Code:    

Get up to 12 competitive Brownsboro, TX homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Brownsboro, TX rates all in one place!

About Our Service in Texas

We are providing the most competitive homeowners insurance rates in Texas. Our quoting process is very quick and easy to use when you want to compare over 16 competitive rates all in one place. Our office is located in the heart of Austin, Texas and we are ready to help you compare the most affordable home insurance options and discounts with the most enhanced coverage options. Our rates will be generated from companies like: American Risk Insurance, Bankers Insurance Group, Centauri, Cypress Texas Insurance, Encompass Insurance, GeoVera Specialty, Gulfstream Property & Casualty, Home Owners of America, Lighthouse Property Insurance, Mission Select, TWICO, Universal North America (UIHNA), United property and casualty, Wellington, American Modern, Safeco and many more. Let us help you shop the lowest Texas rates available, start your quote online now or give us a call at 877-480-7274. We look forward to working with you!

Average Rates Nearby Brownsboro

Are you looking for homeowners insurance in a city near Brownsboro? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Brownsboro, TX

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Brownsboro.

75756,     

Brownsboro, TX Home Insurance Average Premiums

Local Brownsboro, TX home insurance quotes comparison

$1235 /yr.

Shows Brownsboro's lowest average rates with discounts applied.

For the city of Brownsboro, 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)
$1235 /yr.
Average Coverage:$1485 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1785 /yr.

What is the average home insurance cost for a home in Brownsboro, TX?

  • • The average homeowners insurance premium paid annually for a home in Brownsboro is around $1485 per year.

What does it cost on average per month for home insurance in Brownsboro, TX?

  • • Homeowners in Brownsboro pay an average cost per month around $124.00 for insurance coverage.

Brownsboro, TX - 2023 Housing Information

Month Current Home Value (2023) Last Year Home Value (2022)
January $255,190 $241,247
February $257,289 $244,927
March $259,187 $248,658
April $259,475 $251,066

Homeowners insurance will help cover the cost to repair or replace your Brownsboro home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

  • Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Brownsboro
  • Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
  • Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
  • Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
  • Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.
Enter your Zip Code:    

Get up to 12 competitive Brownsboro, TX homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Brownsboro, TX rates all in one place!

Saving Money Tips on Brownsboro Home Insurance

A great way to save money on Brownsboro homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

  • Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
  • Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
  • Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
  • Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Brownsboro area? Check out what homeowners are paying on average for Texas homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation Details Homeowners Tips
437 ft. This is the average home elevation in Brownsboro, TX

Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local Texas flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954.

To get online quotes on your home and compare rates on home insurance premiums in Brownsboro, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Henderson County.

Texas Homeowners Insurance News & Information

  • 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 […]

  • 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 […]

Brownsboro, TX Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Brownsboro so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Brownsboro, TX?

- The average square footage in Brownsboro is around 683 Sq. Ft. which would cost you around $88,100 to replace the home if you base the home on the price to build per square foot of $129.

Minimum Replacement Cost Total: $88,100

Location: Brownsboro, Texas (Henderson County)

Average Building Cost Per Square Foot in Brownsboro: $129 (low end)

Average Square Footage in Brownsboro: 683 Sq. Ft.

Home Improvement StatusPrice per Sq. Ft.Dwelling Coverage
None or Very Minor Improvements$129$88,100
Some Additional Upgrades$161$110,125
Major Home Updates or Advancements$194$132,150

The dwelling coverage is calculated by the average cost per square foot ($129) in Brownsboro, Texas times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $403,125 (Media price to build of $161 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.