78251 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 78251 zip code it's important to know that our rates are very competitive for homeowners living in San Antonio, TX. Many homeowners based out of your 78251 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Texas 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 78251 should appear in the zip code field ready to go. For San Antonio, TX Homeowners Insurance Quotes nearby, we offer the best rates and service.

78251: Average Home Insurance Rates

For homeowners living in the great city of San Antonio, the average homeowners policy is considered very high in comparison to other states. Texas premiums are estimated to be around $1463 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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Average Building Cost Per Square Foot in 78251: $129

Average Square Footage in 78251: 1,500 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 78251 before you start any project. San Antonio 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 78251 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 78251 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,500 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 San Antonio 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 78251 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.

Allstate Insurance - Xavier Peña

Oscar Garcia Ins Fin Svcs Inc - State Farm Insurance Agent

Allstate Insurance - Xavier Pe?a

Allstate Insurance Company - Xavier Pena

ACE Cash Express

Barrington Pryce-Farmers Insurance

Household Data for 78251

The average number of homes in 78251 is around 22,235, there are an average of 2.63 per household. The average house value according to local real estate values is around $193,500. 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 […]

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• 9% Predicted Jump in Home Insurance Rates in 2023  Posted on Tuesday 25th April, 2023

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• 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 […]