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78044 Home Insurance Rates

For homeowners living in 78044, the population estimates are increasing to well over 200 with 64 occupied homes within the zip code of 78044. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At GetHomeInsuranceQuotes.com, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Laredo have increased and the average home insurance premium is around $1,518 per year in 78044. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 78044 zip code today so we can help you find affordable Laredo, TX home insurance premiums.

Compare Multiple Homeowners Insurance Rates in 78044

Please select one of the three options below based on your 78044 zip code to learn more about Texas homeowners insurance, plus review average rates and information per state, county or city.

  1. Texas Homeowners Insurance Quotes
  2. Webb County, TX Home Insurance
  3. Laredo, TX Home Insurance Quotes

78044 Average Home Insurance Rating Cost is: Very High!

Getting cheaper homeowners insurance in the 78044 zip code just got easier with GetHomeInsuranceQuotes.com of Laredo, TX. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 78044 today and let us help you review the best home insurance quotes available for homeowners living in Laredo.

Get 78044 Homeowners Insurance Rates Now!

78044 Home Insurance Average Premiums

Local 78044 homeowners insurance quotes comparison

$1268 /yr.

Shows Zip Code: 78044 lowest rates with discounts applied on average.

For the 78044, 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)
$1268 /yr.
Average Coverage:$1518 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1818 /yr.

What is the average home insurance cost for a home in 78044?

  • • The average homeowners insurance premium paid annually for a home in 78044 is around $1518 per year.

What does it cost on average per month for home insurance in 78044?

  • • Homeowners in 78044 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 78044?

  • • Autoowners in 78044 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 Laredo area, check out other zip codes nearby 78044.
Review average rates in another zip code:
78046 homeowners insurance rates
78045 homeowners insurance rates
78044 homeowners insurance rates
78040 homeowners insurance rates
78043 homeowners insurance rates
78041 homeowners insurance rates

Home Replacement Cost Coverage in 78044

Average Building Cost Per Square Foot in 78044: $129

Location: Laredo, Texas (Webb County)

Average Square Footage in 78044: 1,687 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 78044 before you start any project. Laredo 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 78044 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 78044 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,687 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 Laredo 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$1291,687$217,600
Additional Upgrades & Added Features$1611,687$272,000
Major Home Updates or Advancements$1941,687$326,400

It's important to understand that when you estimate your replacement cost of your home in the 78044 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 78044

Best Home & Auto Insurance Agencies in 78044

Housing Demographics for 78044

Population Review for 78044 Zip Code

For the city of Laredo, the population within 78044 has increased to over 0 residents in population size. The current population total is 200. We have broken down the population based on race below. In 78044, there are over 105 in male population and 95 females.

PopulationValues
Total Population200
White Population45
Black Population0
Hispanic Population185
Asian Population0
Hawaiian Population0
Indian Population2
Other Population16
Male Population105
Female Population95
Population Estimate0

Household Data for 78044

The average number of homes in 78044 is around 64, there are an average of 3.13 per household. The average house value according to local real estate values is around $217,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode64
Persons Per Household3.13
Average House Value$217,600
Income Per Household$0
Median Age35.3
Median Age Male30.5
Median Age Female39.5
78044 DetailsValues
StateTX
State Full NameTexas
City TypeZ
City Alias Abbreviation
Area Code956
CityLaredo
City Alias NameLAREDO
CountyWebb
County FIPS479
State FIPS48
Time Zone6
Day Light SavingY
MSA4080
PMSA
CSA
CBSA29700
CBSA_DIV
CBSA_TypeMetro
CBSA_NameLaredo, TX
MSA_NameLaredo, TX MSA
PMSA_Name
RegionSouth
DivisionWest South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses28
Number Of Employees395
Business First Quarter Payroll7958
Business Annual Payroll22440
Business Employment Flag
Growth Rank94
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number6192
Growth Increase Percentage2.5
Metropolitan DetailsValues
CBSA Population250304
CBSA Division Population0
Congressional District28
Congressional LandArea9378.53
Delivery Residential0
Delivery Business0
Delivery Total5681
Preferred Last Line KeyW24428
Classification CodeP
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyW24428
Land Area74.228000
Water Area0.030000
City Alias Code
City Mixed CaseLaredo
City Alias Mixed CaseLaredo
Box Count975
SFDU0
MFDU0
State ANSI48
County ANSI479
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number484950
Unique ZIP Name
SSA State County Code45953
Medicare CBSA Code29700
Medicare CBSA NameLaredo, TX
Medicare CBSA TypeMetro
Market Rating Area ID12
County Mixed CaseWebb

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 […]

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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 […]