Harker Heights, TX Homeowners Insurance Rate Quotes!

There are currently 26,700 people live in the city of Harker Heights and the average family size is around 3 people per home. The total number of housing units in need of an affordable homeowners insurance policy is around 10347 and the number of occupied households is roughly 9488. Homeowners of Harker Heights want to easily compare rates and coverage options with affordable prices and outstanding coverage. At GetHomeInsuranceQuotes.com, we shop up to 12 rates and coverages to help you review which insurance carrier and home insurance policy is best fit for you and your family.

Within the city of Harker Heights, the median household income is $74,436 it is above the national average of $68,703. Buying a new home in Harker Heights, you might be inclined to know that the average home costs around $202,100.

Average Home Insurance Rates in Harker Heights

Homeowners insurance is affordable in the city of Harker Heights costing homeowners around $1,528 per year, that's only $127 a month for great coverage you can depend on. Most Harker Heights homeowners pay around $1,278 per year on the lower-end on up to $1,828 per year for larger homes that cost more to replace in value. This also depends on your dwelling coverage, deductible and discounts that we can help apply to save you more on your home insurance premium. Let us help you shop the best rates and coverages today!

Different Types of Harker Heights Homeowners Insurance Coverages

Homeowners insurance is seperated into several different types and each one is specifically designed for a certain type of housing. Here is a brief overview of a few of the more common homeowner insurance types that consumers can purchase in Harker Heights.

• HO-3 Policy: For most home buyers, they will get an HO-3 policy for a single family home. This is the most common homeowners insurance policy available. It will cover all perils, except for the ones mentioned, like flooding or earthquake damage. The exclusions will be listed in your policy. You will need to purchase a seperate policy to cover your home from flooding or an earthquake.
• HO-2 Policy: An HO-2 policy is every basic, it covers damages from certain perlis that are listed in the policy. If the peril is not listed, it will not be covered. Your personal property is also covered. Most experts don't recommend these policies except for the most basic coverage needs.
• HO-4 Policy: The HO-4 policy covers residents who are renting a home or apartment. It will protect all of the personal property in your apartment, up to your policy limits, as well as offering liability coverage. The liability portion of the policy will protect your financial assets if someone is injured in your apartment. It will pay for any medical costs as well as defend you in a lawsuit if you happen to be sued. These polices are very affordable and should definitely be considered if you currently live in an apartment.

Compare Homeowners Insurance Rates in Harker Heights, TX!

About Our Service in Texas

We are providing the most competitive homeowners insurance rates in Texas. Our quoting process is very quick and easy to use when you want to compare over 16 competitive rates all in one place. Our office is located in the heart of Austin, Texas and we are ready to help you compare the most affordable home insurance options and discounts with the most enhanced coverage options. Our rates will be generated from companies like: American Risk Insurance, Bankers Insurance Group, Centauri, Cypress Texas Insurance, Encompass Insurance, GeoVera Specialty, Gulfstream Property & Casualty, Home Owners of America, Lighthouse Property Insurance, Mission Select, TWICO, Universal North America (UIHNA), United property and casualty, Wellington, American Modern, Safeco and many more. Let us help you shop the lowest Texas rates available, start your quote online now or give us a call at 877-480-7274. We look forward to working with you!

Average Rates Nearby Harker Heights

Are you looking for homeowners insurance in a city near Harker Heights? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

• Bartlett, TX Home Insurance Quotes
• Belton, TX Home Insurance Quotes
• Fort Hood, TX Home Insurance Quotes
• Holland, TX Home Insurance Quotes
• Killeen, TX Home Insurance Quotes
• Little River Academy, TX Home Insurance Quotes
• Nolanville, TX Home Insurance Quotes
• Rogers, TX Home Insurance Quotes
• Salado, TX Home Insurance Quotes
• Temple, TX Home Insurance Quotes
• Troy, TX Home Insurance Quotes

Home Insurance Rates by Zipcode in Harker Heights, TX

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Harker Heights.

76548,     

Homeowners insurance will help cover the cost to repair or replace your Harker Heights home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

• Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Harker Heights
• Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
• Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
• Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
• Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.

Saving Money Tips on Harker Heights Home Insurance

A great way to save money on Harker Heights homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

• Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
• Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
• Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
• Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Harker Heights area? Check out what homeowners are paying on average for Texas homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

To get online quotes on your home and compare rates on home insurance premiums in Harker Heights, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Bell County.

• 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 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 […]