Get Whitney, TX Home Insurance Rates!

If you are looking for a new homeowners insurance policy or are just shopping for a lower premium, you are at the right place. Our website helps Whitney residents compare up to 12 competitive rate quotes based on price and coverage options. Our top-rated carriers in Whitney will make sure your home is fully protected at a price you can afford.

One of the biggest advantages of our site is the hassle-free quoting process. We can help you shop a wide variety of insurers quickly. Let us help you review and compare Whitney home insurance rates today, enter your Whitney zip code to start a free online quote or give us a call now.

A Few Facts about Whitney, TX Home Insurance Rates

In Texas, the average price of a standard homeowners policy comes in around $2,000 a year which breaks down to a pretty affordable $$167 a month. Texas tends to fall in the middle when it comes to homeowner insurance rates.

While homeowner insurance rates in Whitney tend to be fairly affordable, we can help you lower your premium even further. Our site can help you save up to 40% or more on your premium while making sure you are fully covered.

At some sites, low premiums mean reduced coverage levels and lesser-known insurance companies. We only shop national insurance companies that offer high quality policies that will fully protect your home and property. Our free consulting process allows you to view all the enhanced coverage features, deductible options plus home insurance credits.

Home prices in Whitney and insurance coverage

In Whitney, the average house price comes in at a very affordable $105,900. When it comes to protecting the structure of your home, the dwelling portion of a homeowners policy will step up to repair or replace your home if it is damaged by a covered peril. Dwelling coverage is not the only protection a homeowners policy offers. Here is a brief overview of the various coverages homeowners insurance provides:

Dwelling: The dwelling portion of your policy protects the structure of your home against covered perils up to your coverage limits. It will pay to repair or rebuild your home if it is damaged or destroyed.

When it comes to dwelling coverage, it is important to remember that the replacement value (dwelling coverage) is different than the market value of your home. In other words, the cost to replace your home is not the same price you would get if you wanted to sell your home, because the cost of the land does not need to be factored into the replacement cost.

Use our Home Insurance Calculator to get a Whitney, TX replacement value estimate

Personal Property: A homeowners policy will protect your personal property as well. Personal property coverage is usually capped at 50% of your dwelling coverage so if you are carrying $300,000 in coverage on your home, your personal property coverage will be capped around $150,000.

When it comes to your personal property you should always keep an up-to-date inventory of your personal possessions. This can be extremely helpful if you have to make a claim on your policy. There are numerous apps that make this process easier.

Liability: The liability portion of a Whitney homeowners policy will help cover medical and legal bills if a guest is injured at your home. It will also cover injuries or property damage that you are responsible for, as an example, if your child puts a baseball through the neighbor’s window, your liability coverage will pay to replace it.

Flood and Earthquake coverage: A standard homeowners policy will exclude coverage for flood and earthquake damage so if your home is at risk of flooding or earthquake damage you will need to purchase a separate policy to be fully protected.

For Flood Insurance Quotes, Please Call Us at 888-620-1954!

Ready to start shopping for a new policy? Simple enter your zip code, answer a few simple questions about your home and we will shop a variety of insurance companies to help you find the best coverage at an affordable premium.

Compare Homeowners Insurance Rates in Whitney, TX!

Get up to 12 competitive Whitney, 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 Whitney

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

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

76692,

Whitney, TX Home Insurance Average Premiums

Local Whitney, TX home insurance quotes comparison

$1228 /yr.

Shows Whitney's lowest average rates with discounts applied.

For the city of Whitney, 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)	$1228 /yr.
Average Coverage:	$1478 /yr.
2600 sq. ft. or higher (all discounts applied)	$1778 /yr.

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

• The average homeowners insurance premium paid annually for a home in Whitney is around $1478 per year.

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

• Homeowners in Whitney pay an average cost per month around $123.00 for insurance coverage.

Whitney, TX - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$193,375	$178,567
February	$194,361	$181,439
March	$196,570	$184,682
April	$197,038	$188,088

Homeowners insurance will help cover the cost to repair or replace your Whitney 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 Whitney
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 Whitney, TX homeowners insurance rates all in one place!

Saving Money Tips on Whitney Home Insurance

A great way to save money on Whitney 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 Whitney 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
548 ft.	This is the average home elevation in Whitney, 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 Whitney, 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 Hill 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 […]

Whitney, TX Dwelling Coverage Estimate

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

- The average square footage in Whitney is around 821 Sq. Ft. which would cost you around $105,900 to replace the home if you base the home on the price to build per square foot of $129.

Minimum Replacement Cost Total: $105,900

Location: Whitney, Texas (Hill County)

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

Average Square Footage in Whitney: 821 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$129	$105,900
Some Additional Upgrades	$161	$132,375
Major Home Updates or Advancements	$194	$158,850

Calculate Your Whitney, TX Dwelling Coverage

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