Texas City, TX Homeowners Insurance Rate Quotes!

Homeowners have recently discovered a quick and easy ways to compare homeowners insurance rates in Texas City from the comfort of their own home. GetHomeInsuranceQuotes.com (GHIQ) has professional agents standing by to help you find the best policy for your needs. Our fast quoting process is simple and has been used successfully by thousands of homeowners just like you who want to quickly compare insurance rates and buy a policy without any hassle. On average, rates are around $122 per month, shop now to save on Texas City homeowners insurance.

We will provide premium quotes from up to 12 or more insurers so you can compare the cost and coverage of your new policy. All of the insurers we work with are national companies that are highly rated A+ by A.M. Best so you can be confident they will be there to help if you need to make a claim.

Average Texas City Home Insurance Rates

For homeowners in the Texas City area, the average home insurance premium is around $1,465 per year. Most HO-3 homeowners policies are paid annually for insurance coverage on a single-family home. For smaller homes rates can be as low as $1,215 per year. More expensive homes that are larger in square footage cost more to rebuild so the replacement cost value is higher which makes the premium higher, so rates for more expensive homes are around $1,765 per year or more.

Best Way to Shop Home Insurance

When we work with new customers at GHIQ we take the time to investigate your needs and discuss all of the available policy options. We will search for additional discounts and examine your coverage levels to make sure you are fully protected. In many cases, we can help you save up to 40 percent on your current rates, all from the comfort of your own home.

What does a policy cover?

All of our homeowner policies not only cover your Texas City home and your possessions but any detached structures on your property as well. This includes detached garages, sheds, barns and other outbuildings. In addition, all of our standard policies offer loss of use coverage which will help cover your day to day living costs if you are forced out of your home due to a covered peril. Liability and medical costs are also standard coverages.

We will make sure that you have a complete understanding of your policy before you sign on the dotted line and are always available to answer any questions you have. Our agents will guide you through the entire process and evaluate your current coverage to make sure you are fully protected against all risks including flooding or earthquake damage. We will also do a full discount review to make sure you are receiving all available discounts.

For additional help, please visit our homeowners insurance blog for helpful articles, tips and customer related questions.

Compare Homeowners Insurance Rates in Texas City, TX!

Get up to 12 competitive Texas City, TX homeowners insurance 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 Texas City

Are you looking for homeowners insurance in a city near Texas City? 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 Texas City, TX

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

77590, 77591,

Texas City, TX Home Insurance Average Premiums

Local Texas City, TX home insurance quotes comparison

$1215 /yr.

Shows Texas City's lowest average rates with discounts applied.

For the city of Texas City, 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)	$1215 /yr.
Average Coverage:	$1465 /yr.
2600 sq. ft. or higher (all discounts applied)	$1765 /yr.

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

• The average homeowners insurance premium paid annually for a home in Texas City is around $1465 per year.

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

• Homeowners in Texas City pay an average cost per month around $122.00 for insurance coverage.

Texas City, TX Coastal Wind, Hail & Flood Information

Texas City is located in a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Flood Zone Notice: The beautiful coastal city of Texas City is know for it's beautiful beaches and waterways. Because Galveston County (FIPS: 48167) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Texas City, TX.

Coastal Texas Information: What does a Texas Wind and Hail Policy Cover? or Coastal Texas Home Insurance Rates

Texas City, TX - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$205,658	$192,032
February	$204,860	$194,989
March	$204,285	$198,538
April	$202,452	$201,764

Homeowners insurance will help cover the cost to repair or replace your Texas City 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 Texas City
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.

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

Saving Money Tips on Texas City Home Insurance

A great way to save money on Texas City 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 Texas City 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
5 ft.	This is the average home elevation in Texas City, TX	» Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Texas City, Texas. A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home. Call Now for Flood Insurance Quotes: 888-620-1954! Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy. It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas.

Elevation

Details

Homeowners Tips

5 ft.

This is the average home elevation in Texas City, TX

» Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Texas City, Texas.

A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home.

Call Now for Flood Insurance Quotes: 888-620-1954!

Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy.

It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas.

To get online quotes on your home and compare rates on home insurance premiums in Texas City, 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 Galveston 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 […]

Texas City, TX Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Texas City 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 Texas City, TX?

- The average square footage in Texas City is around 976 Sq. Ft. which would cost you around $125,950 to replace the home if you base the home on the price to build per square foot of $129.

Minimum Replacement Cost Total: $125,950

Location: Texas City, Texas (Galveston County)

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

Average Square Footage in Texas City: 976 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$129	$125,950
Some Additional Upgrades	$161	$157,438
Major Home Updates or Advancements	$194	$188,925

Calculate Your Texas City, TX Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($129) in Texas City, 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.