Start Searching Home Insurance Quotes in 77007

Are you paying too much for homeowners insurance in 77007? If the answer is yes, you are not alone. Luckily, we can help you find a great policy in Houston, 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 77007?

• 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 77007 home insurance quotes are just a click away. Simply click the "Get Multiple Quotes Now" button, verify your 77007 and get ready to save.

3 Easy Ways To Save Money In 77007

These three links will help you explore home insurance quotes in 77007 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 77007 Home Insurance Costs Rated: very high!

The average price for a homeowners insurance policy in Houston is roughly $1548. 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.

Get 77007 Homeowners Insurance Rates Right Now!

Average Building Cost Per Square Foot in 77007: $129

Average Square Footage in 77007: 3,440 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 77007 before you start any project. Houston 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 77007 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 77007 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,440 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 Houston 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.

It's important to understand that when you estimate your replacement cost of your home in the 77007 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.

Feldman Insurance Agency

Allstate Insurance CO

ACE Cash Express

Allstate Insurance Agency

Connolly- Robert

Household Data for 77007

The average number of homes in 77007 is around 22,827, there are an average of 1.87 per household. The average house value according to local real estate values is around $443,800. Please review the following demographics below for average income and media age.

• 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 […]

• 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 […]

• 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 […]

• Wind & Hail Home Insurance Coverage Guide Posted on Monday 13th September, 2021

  Home in Panama City, Florida suffers from wind and hail damage in 2018. This damaged house is from hurricane Michael. Hailstorms can do a tremendous amount of damage to your house and roof in very short amount of time and if you are not properly insured you could end up having to cover the cost […]

• Am I underinsured for hurricane damage? Posted on Thursday 26th August, 2021

  Tropical Storm Henri hit the Northeast pretty hard over the last week and for many homeowners the pain caused by the storm could just be getting started. Unfortunately, many homeowners may be underinsured or not have the right coverage in place when it comes to tropical storm and hurricane damage. A recent study by Policygenius […]