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Home Insurance Rates in 78731

For homeowners shopping online in 78731, our insurance rates are very competitive for homeowners living in Austin, TX. Many homeowners based out of the great city of Austin have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because 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 which rates and coverage options are best suited for you and your family. To get free home insurance quotes in 78731, simply click the "Get Multiple Quotes Now" button. Your 78731 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Austin, TX Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.

78731 Home Insurance Rating is: Very High!

If you live in 78731, you can easily save up to 40% off the average home insurance premium of $1569 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Austin can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 78731 today!

Get Multiple Home Insurance Rates in 78731!

78731 Home Insurance Average Premiums

Local 78731 homeowners insurance quotes comparison

$1319 /yr.

Shows Zip Code: 78731 lowest rates with discounts applied on average.

For the 78731, 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)
$1319 /yr.
Average Coverage:$1569 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1869 /yr.

What is the average home insurance cost for a home in 78731?

  • • The average homeowners insurance premium paid annually for a home in 78731 is around $1569 per year.

What does it cost on average per month for home insurance in 78731?

  • • Homeowners in 78731 pay a monthly average cost per month around $131.00.

What kind of discount could I get if I combine my home and auto insurance together in 78731?

  • • Autoowners in 78731 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 Austin area, check out other zip codes nearby 78731.
Review average rates in another zip code:
78754 homeowners insurance rates
78751 homeowners insurance rates
78724 homeowners insurance rates
78744 homeowners insurance rates
78749 homeowners insurance rates
78752 homeowners insurance rates
78757 homeowners insurance rates
78745 homeowners insurance rates
78756 homeowners insurance rates
78719 homeowners insurance rates

Home Replacement Cost Coverage in 78731

Average Building Cost Per Square Foot in 78731: $129

Location: Austin, Texas (Travis County)

Average Square Footage in 78731: 5,229 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 78731 before you start any project. Austin 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 78731 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 78731 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 5,229 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 Austin 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$1295,229$674,600
Additional Upgrades & Added Features$1615,229$843,250
Major Home Updates or Advancements$1945,229$1,011,900

It's important to understand that when you estimate your replacement cost of your home in the 78731 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 78731

Best Home & Auto Insurance Agencies in 78731

Service Group Insurance and Financial Services

Address: 6907 North Capital of Texas Highway Austin, TX 78731
Phone:
Website: http://www.sgifs.com/
Info:

Andy Urso-Farmers Insurance District Manager

Address: 8310 North Capital of Texas Highway #497 Austin, TX 78731
Phone:
Website:
Info:

Rick Rogers - State Farm Insurance

Address: 5511 Balcones Drive Austin, TX 78731
Phone:
Website: http://www.rickrogers.us/
Info:

Patterson, Ryan CMO - US Insurance Online

Address: 7801 North Capital of Texas Highway #220 Austin, TX 78731
Phone:
Website: http://www.usinsuranceonline.com/
Info:

American Casualty Insurance Company

Address: 3737 Executive Center Dr Austin, TX 78731
Phone:
Website:
Info:

Housing Demographics for 78731

Population Review for 78731 Zip Code

For the city of Austin, the population within 78731 has increased to over 29,795 residents in population size. The current population total is 27,240. We have broken down the population based on race below. In 78731, there are over 13372 in male population and 13868 females.

PopulationValues
Total Population27,240
White Population20739
Black Population458
Hispanic Population3241
Asian Population2425
Hawaiian Population9
Indian Population79
Other Population587
Male Population13372
Female Population13868
Population Estimate29795

Household Data for 78731

The average number of homes in 78731 is around 12,668, there are an average of 2.14 per household. The average house value according to local real estate values is around $674,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode12,668
Persons Per Household2.14
Average House Value$674,600
Income Per Household$92641
Median Age39.9
Median Age Male38.8
Median Age Female41.0
78731 DetailsValues
StateTX
State Full NameTexas
City TypeP
City Alias Abbreviation
Area Code512
CityAustin
City Alias NameAUSTIN
CountyTravis
County FIPS453
State FIPS48
Time Zone6
Day Light SavingY
MSA0640
PMSA
CSA
CBSA12420
CBSA_DIV
CBSA_TypeMetro
CBSA_NameAustin-Round Rock-San Marcos, TX
MSA_NameAustin-San Marcos, TX MSA
PMSA_Name
RegionSouth
DivisionWest South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1754
Number Of Employees19446
Business First Quarter Payroll355182
Business Annual Payroll1569189
Business Employment Flag
Growth Rank28
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number38858
Growth Increase Percentage3.8
Metropolitan DetailsValues
CBSA Population1716289
CBSA Division Population0
Congressional District10|37
Congressional LandArea5070.95|0
Delivery Residential13923
Delivery Business1258
Delivery Total15602
Preferred Last Line KeyW22815
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyW22815
Land Area8.746000
Water Area0.200000
City Alias Code
City Mixed CaseAustin
City Alias Mixed CaseAustin
Box Count0
SFDU7204
MFDU5297
State ANSI48
County ANSI453
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number480420
Unique ZIP Name
SSA State County Code45940
Medicare CBSA Code12420
Medicare CBSA NameAustin-Round Rock-Georgetown, TX
Medicare CBSA TypeMetro
Market Rating Area ID3
County Mixed CaseTravis

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

    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 […]