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Home Insurance in 77551

Our rates are very competitive for homeowners living in the 77551 zip code. Many homeowners based out of Galveston, TX have found it very easy to shop with For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our TX licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 77551 should appear in the zip code field ready to go.

77551 Average Home Insurance Rates

Are you looking for a standard HO-3 homeowners policy for your single family home in the Galveston area? The average homeowners premium in 77551 is very high in comparison to other states. For example, the national average is $1,249 per year for home insurance coverage for a basic home insurance policy. For homeowners living in the 77551, you can expect to pay around $1530 per year for homeowners coverage. If you want to see which company has the best rates and coverage options, than easily compare rates with us. You can review each premium and we can help explain any question that you may have about different types of coverages and what is best for you and your family.

Get Home Insurance Coverage in 77551 Today!

Get Home Insurance Quotes in 77551

We can shop up to 12 home insurance quotes for you easily online. You can find out more by exploring one of the three links below to review average homeowners insurance rates in the great state of Texas. Start your 77551 home insurance shopping today!

  1. Galveston, TX Home Insurance Quotes

77551 Home Insurance Average Premiums

Local 77551 homeowners insurance quotes comparison

$1280 /yr.

Shows Zip Code: 77551 lowest rates with discounts applied on average.

For the 77551, 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)
$1280 /yr.
Average Coverage:$1530 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1830 /yr.

What is the average home insurance cost for a home in 77551?

  • • The average homeowners insurance premium paid annually for a home in 77551 is around $1530 per year.

What does it cost on average per month for home insurance in 77551?

  • • Homeowners in 77551 pay a monthly average cost per month around $128.00.

What kind of discount could I get if I combine my home and auto insurance together in 77551?

  • • Autoowners in 77551 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Galveston area, check out other zip codes nearby 77551.
Review average rates in another zip code:
77550 homeowners insurance rates
77551 homeowners insurance rates
77554 homeowners insurance rates

Home Replacement Cost Coverage in 77551

Average Building Cost Per Square Foot in 77551: $129

Location: Galveston, Texas (Galveston County)

Average Square Footage in 77551: 1,569 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 77551 before you start any project. Galveston 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 77551 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 77551 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,569 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 Galveston 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.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1291,569$202,400
Additional Upgrades & Added Features$1611,569$253,000
Major Home Updates or Advancements$1941,569$303,600

It's important to understand that when you estimate your replacement cost of your home in the 77551 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.

Best Homeowners Insurance Agencies in 77551

Best Home & Auto Insurance Agencies in 77551

Coffey's Insurance Agency Inc - Galveston OFC

Address: 2001 61st St Galveston, TX 77551

Allstate Insurance Companies

Address: 5928 Avenue S Galveston, TX 77551
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
Allstate auto insurance quotes and anonymous ballpark estimates to help protect you, your family and your automobile. Insurance and financial products include car insurance, home insurance, business insurance, life insurance, IRAs and annuities. car insurance, auto insurance quote, vehicle insurance, free online insurance quotes, rate quote, life insurance, annuities, mutual funds, IRAs, allstate insurance agent,

Housing Demographics for 77551

Population Review for 77551 Zip Code

For the city of Galveston, the population within 77551 has increased to over 23,297 residents in population size. The current population total is 22,677. We have broken down the population based on race below. In 77551, there are over 11458 in male population and 11219 females.

Total Population22,677
White Population12057
Black Population3600
Hispanic Population7699
Asian Population647
Hawaiian Population8
Indian Population207
Other Population2895
Male Population11458
Female Population11219
Population Estimate23297

Household Data for 77551

The average number of homes in 77551 is around 9,156, there are an average of 2.27 per household. The average house value according to local real estate values is around $202,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode9,156
Persons Per Household2.27
Average House Value$202,400
Income Per Household$54375
Median Age42.4
Median Age Male43.6
Median Age Female41.1
77551 DetailsValues
State Full NameTexas
City TypeP
City Alias Abbreviation
Area Code409
City Alias NameGALVESTON
County FIPS167
State FIPS48
Time Zone6
Day Light SavingY
CBSA_NameHouston-Pasadena-The Woodlands, TX
MSA_NameHouston-Galveston-Brazoria, TX CMSA
PMSA_NameGalveston-Texas City, TX PMSA
DivisionWest South Central
Economic & Growth ReviewValues
Number Of Businesses376
Number Of Employees5594
Business First Quarter Payroll36025
Business Annual Payroll164791
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population5946800
CBSA Division Population0
Congressional District14
Congressional LandArea2441.39
Delivery Residential10263
Delivery Business558
Delivery Total11102
Preferred Last Line KeyW23851
Classification Code
CSA NameHouston-Pasadena, TX
City State KeyW23851
Land Area3.954000
Water Area1.018000
City Alias Code
City Mixed CaseGalveston
City Alias Mixed CaseGalveston
Box Count0
State ANSI48
County ANSI167
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number483380
Unique ZIP Name
SSA State County Code45550
Medicare CBSA Code26420
Medicare CBSA NameHouston-The Woodlands-Sugar Land, TX
Medicare CBSA TypeMetro
Market Rating Area ID10
County Mixed CaseGalveston

Texas Homeowners Insurance News & Information

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    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, 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 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 […]

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  • 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 […]