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77575 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 77575? There are over 5,733 occupied homes in the 77575 area. With a population size of 15,768, it's not uncommon for residence of Liberty, TX to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Texas is around $1,521 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 77575 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Liberty, TX Home Insurance Rate Quotes

77575 Home Insurance Average Premiums

Local 77575 homeowners insurance quotes comparison

$1271 /yr.

Shows Zip Code: 77575 lowest rates with discounts applied on average.

For the 77575, 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)
$1271 /yr.
Average Coverage:$1521 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1821 /yr.

What is the average home insurance cost for a home in 77575?

  • • The average homeowners insurance premium paid annually for a home in 77575 is around $1521 per year.

What does it cost on average per month for home insurance in 77575?

  • • Homeowners in 77575 pay a monthly average cost per month around $127.00.

What kind of discount could I get if I combine my home and auto insurance together in 77575?

  • • Autoowners in 77575 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 Liberty area, check out other zip codes nearby 77575.
Review average rates in another zip code:
77575 homeowners insurance rates

Home Replacement Cost Coverage in 77575

Average Building Cost Per Square Foot in 77575: $129

Location: Liberty, Texas (Liberty County)

Average Square Footage in 77575: 1,126 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 77575 before you start any project. Liberty 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 77575 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 77575 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,126 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 Liberty 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$1291,126$145,300
Additional Upgrades & Added Features$1611,126$181,625
Major Home Updates or Advancements$1941,126$217,950

It's important to understand that when you estimate your replacement cost of your home in the 77575 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 77575

Best Home & Auto Insurance Agencies in 77575

Barranco- Victor

Address: 1804 Grand Ave Liberty, TX 77575
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
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Housing Demographics for 77575

Population Review for 77575 Zip Code

For the city of Liberty, the population within 77575 has increased to over 15,176 residents in population size. The current population total is 15,768. We have broken down the population based on race below. In 77575, there are over 7847 in male population and 7921 females.

PopulationValues
Total Population15,768
White Population10064
Black Population2350
Hispanic Population3226
Asian Population131
Hawaiian Population2
Indian Population120
Other Population1852
Male Population7847
Female Population7921
Population Estimate15176

Household Data for 77575

The average number of homes in 77575 is around 5,733, there are an average of 2.68 per household. The average house value according to local real estate values is around $145,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,733
Persons Per Household2.68
Average House Value$145,300
Income Per Household$46893
Median Age39.2
Median Age Male37.5
Median Age Female41.1
77575 DetailsValues
StateTX
State Full NameTexas
City TypeP
City Alias Abbreviation
Area Code936
CityLiberty
City Alias NameLIBERTY
CountyLiberty
County FIPS291
State FIPS48
Time Zone6
Day Light SavingY
MSA3362
PMSA3360
CSA288
CBSA26420
CBSA_DIV
CBSA_TypeMetro
CBSA_NameHouston-Pasadena-The Woodlands, TX
MSA_NameHouston-Galveston-Brazoria, TX CMSA
PMSA_NameHouston, TX PMSA
RegionSouth
DivisionWest South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses322
Number Of Employees3280
Business First Quarter Payroll30840
Business Annual Payroll138104
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 District36
Congressional LandArea7125.83
Delivery Residential5663
Delivery Business572
Delivery Total7164
Preferred Last Line KeyW24481
Classification Code
Multi-CountyY
CSA NameHouston-Pasadena, TX
CBSA_DIV_Name
City State KeyW24481
Land Area238.106000
Water Area8.244000
City Alias Code
City Mixed CaseLiberty
City Alias Mixed CaseLiberty
Box Count711
SFDU5188
MFDU298
State ANSI48
County ANSI291
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number485140
Unique ZIP Name
SSA State County Code45757
Medicare CBSA Code26420
Medicare CBSA NameHouston-The Woodlands-Sugar Land, TX
Medicare CBSA TypeMetro
Market Rating Area ID27
County Mixed CaseLiberty

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 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

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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 […]