Warren, TX Homeowners Insurance Rate Quotes!
Are you unsure which Warren, TX homeowners insurance package is right for you?
If you are confused about which home insurance policy is the best fit for you in the Warren area, then you have come to the right place. We strive to help everyone in your area find more affordable homeowners insurance rates with enhanced coverage benefits for that added protection when you need it the most. Why not protect your most valuable investment? When we compare your free home insurance rate quotes, we also apply additional home insurance discounts that may help you improve your coverage and save you money on your monthly premium. To get your free Warren homeowners insurance rates, just enter your zip code to start your hassle free shopping experience.
How to Compare the Best Warren Home Insurance Rates
One of the many questions we get from customers living in Warren, TX has to do with comparison shopping. Homeowners are interested in what the average rates are for a standard homeowners insurance policy in Tyler County. Homeowners of Warren, TX currently pay $1,502 a year ($125 a month) for a standard HO-3 policy on average, where the majority of the United States home insurance premiums are estimated to be around $1311. When we shop and compare rates for you it is likely to expect a range of quoting and coverage options that may be as low as $1,252 a year to $1,802 a year or higher depending on the replacement cost coverage, your preferred deductible plan and the discounts that we can apply to help you save a little extra every month. It's not uncommon with all discounts applied including a home and auto package that savings can be in the range of 40% or more. Let us help you discover more affordable Warren home insurance rates today for your home. Shop online or give us a call now: 1-866-502-7287.
Warren Demographics & Housing Facts
| Source | Value |
|---|---|
| Location: | Warren, TX (TYLER County) |
| Population: | 2,681 |
| Occupied Residents: | 1,069 |
| Average Real Estate Value Per Zip Code: | $112,300 |
Compare Homeowners Insurance Rates in Warren, TX!
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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 Warren
Are you looking for homeowners insurance in a city near Warren? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!
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Home Insurance Rates by Zipcode in Warren, TX
Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Warren.
Warren, TX Home Insurance Average Premiums
$1252 /yr.
For the city of Warren, 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) | $1252 /yr. |
| Average Coverage: | $1502 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1802 /yr. |
What is the average home insurance cost for a home in Warren, TX?
- • The average homeowners insurance premium paid annually for a home in Warren is around $1502 per year.
What does it cost on average per month for home insurance in Warren, TX?
- • Homeowners in Warren pay an average cost per month around $125.00 for insurance coverage.
Warren, TX Coastal Wind, Hail & Flood Information
Warren 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.
Coastal Texas Information: What does a Texas Wind and Hail Policy Cover? or Coastal Texas Home Insurance Rates
Warren, TX - 2023 Housing Information
| Month | Current Home Value (2023) | Last Year Home Value (2022) |
|---|---|---|
| January | $161,718 | $165,975 |
| February | $165,560 | $165,917 |
| March | $169,335 | $164,840 |
| April | $169,487 | $164,514 |
Homeowners insurance will help cover the cost to repair or replace your Warren 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 Warren
- 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 Warren, TX homeowners insurance rates all in one place! |
Saving Money Tips on Warren Home Insurance
A great way to save money on Warren 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 Warren 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 |
|---|---|---|
| 170 ft. | This is the average home elevation in Warren, 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 Warren, 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. 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 Warren, 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 Tyler County.
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 […]
Warren, TX Dwelling Coverage Estimate
It is important to calculate your dwelling coverage for your home in Warren 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 Warren, TX?
- The average square footage in Warren is around 871 Sq. Ft. which would cost you around $112,300 to replace the home if you base the home on the price to build per square foot of $129.
Minimum Replacement Cost Total: $112,300
Location: Warren, Texas (Tyler County)
Average Building Cost Per Square Foot in Warren: $129 (low end)
Average Square Footage in Warren: 871 Sq. Ft.
| Home Improvement Status | Price per Sq. Ft. | Dwelling Coverage |
|---|---|---|
| None or Very Minor Improvements | $129 | $112,300 |
| Some Additional Upgrades | $161 | $140,375 |
| Major Home Updates or Advancements | $194 | $168,450 |
The dwelling coverage is calculated by the average cost per square foot ($129) in Warren, 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.