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Tom Green County, TX Homeowners Insurance Quotes

Discovering afforable homeowners insurance rates in Tom Green County can seem impossible with so many options available online as well as local captive agents down the road. But getting the right coverage means speaking with a home insurance professional that can help you review enhanced coverage options at affordable prices. Shopping online with GetHomeInsuranceQuotes.com allows you to get top quality service from the most competitive home insurance carriers available in your area. It's important for you to know the coverage details available for your home in Tom Green County, that's why our experience staff of over 20+ years can help answer any questions that you may have about your current and new homeowners policy. We also provide ways to help you apply additional discounts to lower your premium while getting upgraded coverage for that extra protection and financial support when you need insurance the most. Start your online homeowners insurance quote today!

For homeowners of Tom Green County, TX, it's important to know that the average home insurance policy in Texas is estimated to be around $166.67 per month. That amounts to $2000 per year for a basic homeowners insurance policy for residents living in Tom Green County. When comparing other rates, the United States national average for homeowners insurance premiums is around 1,249 per year. Did you know that Texas is now ranked 4 in the country in terms of highest home insurance cost. So getting up to 12 free home insurance quotes for your home in Tom Green County, TX helps you easily review and compare prices and coverages so we can help you make the best decision on which insurance provider is best for you.

For all Tom Green 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 Tom Green 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.

Tom Green County, TX Housing Demographics

With 110,224 residents living within the Tom Green County area there are over 46,571 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 27,728 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 Tom Green County.

DemographicValues
Total Occupied Households42,331
Family Households (families)27,728
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units46,571

Tom Green County, TX Home Insurance Average Premiums

Local Tom Green, 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.

Texas Homeowners Insurance News & Information

  • 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 […]

  • FEMA’s new rating system is called “Risk Rating 2.0,” effective October 1st, 2021 Posted on Wednesday 28th April, 2021

    A recent report by ValuePenguin looked at the new risk ratings that the Federal Emergency Management Agency’s (FEMA) will be using when determining premiums for flood insurance in the National Flood Insurance Program (NFIP). The report found that millions of homeowners could see noticeable increases in flood insurance costs. FEMA’s new rating system is called […]

Discounts For Homeowners in Tom Green 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 Tom Green 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 Tom Green 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 Tom Green 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.

Tom Green County Housing & Real Estate Data

Details:Statistics
Total Housing Units46571
Occupied Housing Units42331
Vacant Housing Units4240
Vacant Housing Units for Rent1430
Vacant Housing Units Rented Not Occupied85
Vacant Housing Units For Sale504
Vacant Housing Units Sold Not Occupied148
Vacant Housing Units For Seasonal Occasional Use525
Vacant Housing Units All Other Vacants1548
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent9
Housing Tenure Occupied Units42331
Housing Tenure Occupied Units Owner Occupied27561
Housing Tenure Occupied Units Owner Occupied Population71652
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied14770
Housing Tenure Occupied Units Renter Occupied Population33407
Housing Tenure Occupied Units Renter Occupied Average Household Size2