League City, TX Homeowners Insurance Rate Quotes!

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Are you shopping online because your homeowners insurance rates have increased in League City, TX? Getting mulitiple home insurance quotes from GetHomeInsuranceQuotes.com of Texas couldn't be easier. Within minutes you can compare the most competitive prices and use our free consultation process to help you decide which coverage and rate is best for you and your family. The insurance providers that we shop for you are very competitive in League City and have an above average rating with A.M. Best. If you have additional questions or would prefer to work with our specialized Texas insurance agent then please give us a call. For faster quotes, you can get your League City home insurance quotes online by entering your zip code of the home you would like to insure.

What is a League City, TX home insurance policy? For League City homeowners, you may be interested to know that a home insurance policy is classified as a multiperl. This simply means that it combines both your property and casualty coverage into one packaged policy making it convenient and less expensive to insure your home in League City. Your Texas home insurance policy is designed to protect you from major risk like theft, fire and wind/hail damage. In addition, your new policy can also cover your belongings and liability coverage that may occur due to accidents or injury. Our agents feel it is important for you save money on the cost of your home insurance, but understanding the benefits of great coverage can help protect you when you need it most.

League City, TX City Information

SourceValue
Location:League City, TX (GALVESTON County)
Population:83,560
Occupied Residents:25,444
Average Real Estate Value Per Zip Code:$250,900

Average League City Home Insurance Rates

Let's review home insurance rates for the city of League City. Did you know that homeowners are finding easier ways to get more affordable rates by shopping online? Texas may not be the most expensive state in the country to purchase a home insurance policy, it does rank higher than average at a national rank of 4. Homeowners of League City, TX are currently paying between $1,209.00 and $1,759.00 for an annual home insurance premium. On a national scale, homeowners are paying $1,311 per year on average, and for Texas the average rate combining all premiums is around $2,000 a year. These average home insurance rates reflect the annual premium of a standard HO-3 home insurance policy which includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage.

Finding the best homeowners insurance rates online is very easy with GetHomeInsuranceQuotes.com, please allow our shopping services to provide huge savings benefits for you and your family. Save now by shopping rates and review prices as low as $122.00 per month. First, enter your zip code to start shopping local League City, TX homeowners insurance rates. Once you process your online application, we can compare up to 12 competitive rates for you. We can also provide a free consultation to allow you to review the policies and ask questions to help alter the coverages and rates. Our process is free and online takes a few minutes of your time. Thousands of League City homeowners every month trust our home insurance shopping service. Try it today!

Compare Homeowners Insurance Rates in League City, TX!

Enter your Zip Code:    

Get up to 12 competitive League City, TX homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive League City, TX rates all in one place!

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 League City

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

Home Insurance Rates by Zipcode in League City, TX

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

77573,     

League City, TX Home Insurance Average Premiums

Local League City, TX home insurance quotes comparison

$1209 /yr.

Shows League City's lowest average rates with discounts applied.

For the city of League City, 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)
$1209 /yr.
Average Coverage:$1459 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1759 /yr.

What is the average home insurance cost for a home in League City, TX?

  • • The average homeowners insurance premium paid annually for a home in League City is around $1459 per year.

What does it cost on average per month for home insurance in League City, TX?

  • • Homeowners in League City pay an average cost per month around $122.00 for insurance coverage.

League City, TX Coastal Wind, Hail & Flood Information

League City is located in 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 city of League City is know for it's beautiful beaches and waterways. Because Galveston County (FIPS: 48167) 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 League City, TX.

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

League City, TX - 2023 Housing Information

Month Current Home Value (2023) Last Year Home Value (2022)
January $357,669 $338,302
February $357,201 $342,674
March $358,172 $347,184
April $359,708 $351,299

Homeowners insurance will help cover the cost to repair or replace your League City 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 League City
  • 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.
Enter your Zip Code:    

Get up to 12 competitive League City, TX homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive League City, TX rates all in one place!

Saving Money Tips on League City Home Insurance

A great way to save money on League City 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 League City area? Check out what homeowners are paying on average for Texas homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation Details Homeowners Tips
17 ft. This is the average home elevation in League City, TX

» Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as League City, Texas.

A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home.

Call Now for Flood Insurance Quotes: 888-620-1954!

Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy.

It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas.

To get online quotes on your home and compare rates on home insurance premiums in League City, 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 Galveston County.

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 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 […]

League City, TX Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in League City so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in League City, TX?

- The average square footage in League City is around 1,945 Sq. Ft. which would cost you around $250,900 to replace the home if you base the home on the price to build per square foot of $129.

Minimum Replacement Cost Total: $250,900

Location: League City, Texas (Galveston County)

Average Building Cost Per Square Foot in League City: $129 (low end)

Average Square Footage in League City: 1,945 Sq. Ft.

Home Improvement StatusPrice per Sq. Ft.Dwelling Coverage
None or Very Minor Improvements$129$250,900
Some Additional Upgrades$161$313,625
Major Home Updates or Advancements$194$376,350

The dwelling coverage is calculated by the average cost per square foot ($129) in League City, Texas times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $403,125 (Media price to build of $161 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.