Shop multiple homeowners insurance carriers in one place providing service and consultation from a licensed Jefferson County, TX agent.

Jefferson County, TX Homeowners Insurance Quotes

Getting the afforable homeowners coverage that you want in Jefferson County can be difficult with so many options available from local captive agents to the online comparison marketplace. It is important to know that proper coverage means doing the necessary research on your own or speaking with a home insurance professional that can help you find the affordable coverage you need with a carrier you trust. Shopping online with us at GetHomeInsuranceQuotes.com of Texas allows you to get top quality service from the best insurance carriers available in your area. Our rates can be shared with you online, through email, on the phone or even on our chat mesage service to help make shopping easier for you. It's important you know the coverage options available for your home in Jefferson County, that's why our experience staff of over 20+ years can answer any questions that you may have about your current policy. And most of all, we can provide easy ways to help you save more money while getting more protection for your home in case if something happens. Start your online home insurance quote today!

Jefferson County, TX Prices Per Year

Texas homeowners insurance premiums are on the increase year over year. It's not very often that we witness a decrease in home insurance rates when we compare annual premiums in all 50 states. Currently, Jefferson County is ranked higher in the nation with an average annual premium of $2000/yr. When comparing home insurance cost and coverage options, it's important to understand that the base premium for a standard homeowners policy may look great in terms of affordability, but maybe not so helpful in terms of the coverage and protection when you need it the most. Let us help you first compare quotes and then we can provide a free consultation to help you determine the best company and coverage options available in Jefferson County.

Coastal Jefferson County, TX Home Insurance Rates

For coastal properties, flood protection is crucial for areas like Jefferson County that are prone to hurricanes, flooding and tropical storms. We recommend you speak with your home insurance agent if you have questions about your coastal policy coverage. A flood insurance policy is not part of your standard homeowners policy, but can easily be bundled to help give you the added protection you need by combining an HO-3 policy with wind and hail coverage plus flood insurance. We offer an easy way to review the best flood insurance rates for Jefferson County, please give us a call at at 1-866-502-7287. If you are only looking for flood insurance only then please contact our flood insurance agent at 1-888-620-1954 for completitive flood insurance rates in Jefferson County.

For all Jefferson County, TX residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Jefferson County? Simply enter your zip code to get your Texas homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Jefferson County, TX Housing Demographics

With 252,273 residents living within the Jefferson County area there are over 104,424 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 61,812 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Jefferson County.

DemographicValues
Total Occupied Households93,441
Family Households (families)61,812
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units104,424

Jefferson County, TX Coastal Wind, Hail & Flood Information

For all homeowners living in Jefferson County (FIPS: 48245), it's important to understand that this county is in a coastal area and has great risk of damage due to hurricanes, windstorms, hail and flooding. The wind and hail insurance program provided through the state of Texas is the states opportunity to help provide additional wind/hail coverage when insurance companies exclude it from homeowners and other policies sold to coastal residents. You can buy wind and hail insurance coverage through us and we will shop multiple companies to package the best coverage option for you. If you are shopping for quotes in Jefferson County, TX, it's important that you look into hurricane and windstorm insurance options.

Jefferson County boarders a shoreline which increases the risk of wind, hail and flood damage. We will look into providing the best rates possible considering your home is located in the coastal area of Texas.

Helpful Articles:

Jefferson County, TX Home Insurance Average Premiums

Local Jefferson, TX homeowners insurance quotes comparison

$1,700 /yr.

Texas's Average Home Insurance Rates Overall

For the state of Texas, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 4 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$1362 /yr.
Current Average Cost:$1,700 /yr.
Maximum Range:$2000 /yr.

Jefferson County, TX Coastal Wind, Hail & Flood Information

Jefferson is a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Flood Zone Notice: The beautiful coastal county of Jefferson is know for it's beautiful beaches and waterways. Because Jefferson County (FIPS: 48245) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Jefferson County.

Coastal Jefferson County Texas Information: What does a Texas Wind and Hail Policy Cover? or Coastal Texas Home Insurance Rates

Texas Homeowners Insurance News & Information

  • Homeowners in Texas are Seeing Home Insurance Rates Increase Posted on Wednesday 7th August, 2024

    Homeowners in Texas are feeling the squeeze as homeowner insurance rates continue to climb. In a recent NBC 5 Investigates article, they looked at just how dramatic recent rate increases have been across Texas. Melinda Clifton has seen destructive weather cause hail damage to her roof three times in the last twenty years according to […]

  • Coastal Texas Home Insurance Rates Posted on Sunday 7th July, 2024

    While windstorm insurance is not required in Texas, it is often a necessity if you live near the coast. In certain areas there is a good chance that your mortgage lender will require that you carry a windstorm policy. A windstorm policy will cover damage that is done by wind or hail. These are the […]

  • 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 […]

Discounts For Homeowners in Jefferson County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Texas homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Jefferson County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Jefferson County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Jefferson County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Jefferson County Housing & Real Estate Data

Details:Statistics
Total Housing Units104424
Occupied Housing Units93441
Vacant Housing Units10983
Vacant Housing Units for Rent4380
Vacant Housing Units Rented Not Occupied171
Vacant Housing Units For Sale1108
Vacant Housing Units Sold Not Occupied528
Vacant Housing Units For Seasonal Occasional Use973
Vacant Housing Units All Other Vacants3823
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent11
Housing Tenure Occupied Units93441
Housing Tenure Occupied Units Owner Occupied59066
Housing Tenure Occupied Units Owner Occupied Population154749
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied34375
Housing Tenure Occupied Units Renter Occupied Population81541
Housing Tenure Occupied Units Renter Occupied Average Household Size2