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Searching for Homeowners Insurance in 79731

If you are a homeowners that lives in 79731 you may be searching for more affordable homeowners insurance in Crane. Insurance rates can change on a yearly basis so if your current insurer has raised your rates recently it may be time to shop your coverage and we can help. makes shopping your insurance policy quick and easy for residents of Crane, TX. All you have to do is enter a bit of information about your home and we will gather 12 quotes from nationwide insurers, making sure that you get the best coverage levels and rates available.

Our Texas licensed agents will provide a free consultation to make sure you are fully protected as well as answer any questions you may have about policy options. Insurance can be complicated so it pays to have a professional walk you through your various policy choices. As always, our service is free.

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Get 79731 Home Insurance Rate Quotes Right Now!

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Crane, TX home insurance quotes in your local city and review the most competitive coverages and premiums.

Check Out 79731 Home Insurance Costs: very high!

In Crane, homeowners are paying roughly $1481 per year for a HO-3 policy which is considered the standard for a single family home. In order to find the best policy at the best price, we compare rates from some of the most competitive insurers and present you with your best options for homeowners insurance coverage in 79731 zip code.

Our service is free and we never spam our clients so you only receive the information that you request. While all situations are different, in most cases, homeowners in Crane are saving up to 40 percent on their policy costs by using

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79731 Home Insurance Average Premiums

Local 79731 homeowners insurance quotes comparison

$1231 /yr.

Shows Zip Code: 79731 lowest rates with discounts applied on average.

For the 79731, 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)
$1231 /yr.
Average Coverage:$1481 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1781 /yr.

What is the average home insurance cost for a home in 79731?

  • • The average homeowners insurance premium paid annually for a home in 79731 is around $1481 per year.

What does it cost on average per month for home insurance in 79731?

  • • Homeowners in 79731 pay a monthly average cost per month around $123.00.

What kind of discount could I get if I combine my home and auto insurance together in 79731?

  • • Autoowners in 79731 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 Crane area, check out other zip codes nearby 79731.
Review average rates in another zip code:
79731 homeowners insurance rates

Home Replacement Cost Coverage in 79731

Average Building Cost Per Square Foot in 79731: $129

Location: Crane, Texas (Crane County)

Average Square Footage in 79731: 822 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 79731 before you start any project. Crane 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 79731 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 79731 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 822 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 Crane 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$129822$106,100
Additional Upgrades & Added Features$161822$132,625
Major Home Updates or Advancements$194822$159,150

It's important to understand that when you estimate your replacement cost of your home in the 79731 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 79731

Best Home & Auto Insurance Agencies in 79731

Rogers, Dave - Rogers Insurance

Address: 500 S Gaston St Crane, TX 79731

Housing Demographics for 79731

Population Review for 79731 Zip Code

For the city of Crane, the population within 79731 has increased to over 4,662 residents in population size. The current population total is 4,496. We have broken down the population based on race below. In 79731, there are over 2259 in male population and 2237 females.

Total Population4,496
White Population2368
Black Population77
Hispanic Population3086
Asian Population22
Hawaiian Population0
Indian Population36
Other Population900
Male Population2259
Female Population2237
Population Estimate4662

Household Data for 79731

The average number of homes in 79731 is around 1,485, there are an average of 2.97 per household. The average house value according to local real estate values is around $106,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,485
Persons Per Household2.97
Average House Value$106,100
Income Per Household$68057
Median Age35.1
Median Age Male33.5
Median Age Female36.7
79731 DetailsValues
State Full NameTexas
City TypeP
City Alias Abbreviation
Area Code432
City Alias NameCRANE
County FIPS103
State FIPS48
Time Zone6
Day Light SavingY
DivisionWest South Central
Economic & Growth ReviewValues
Number Of Businesses88
Number Of Employees923
Business First Quarter Payroll16259
Business Annual Payroll77644
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District23
Congressional LandArea58059.18
Delivery Residential1570
Delivery Business129
Delivery Total2002
Preferred Last Line KeyW23372
Classification Code
CSA Name
City State KeyW23372
Land Area441.541000
Water Area0.157000
City Alias Code
City Mixed CaseCrane
City Alias Mixed CaseCrane
Box Count228
State ANSI48
County ANSI103
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number482105
Unique ZIP Name
SSA State County Code45360
Medicare CBSA Code99945
Medicare CBSA NameRural Areas in TX
Medicare CBSA TypeMicro
Market Rating Area ID16
County Mixed CaseCrane

Texas Homeowners Insurance News & Information

  • 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 […]

  • 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 […]

  • 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 […]