Best & Cheapest Homeowners Insurance in Brownsville, TX November, 2024
Allstate provides the most economical homeowners insurance to homeowners in Brownsville, with an average annual quote of $2,219.
We’ve saved shoppers an average of $450 per year on their home insurance.
In our thorough evaluation of homeowners insurance providers in Brownsville, TX, Allstate stands out as the most budget-friendly option, with average annual rates of $2,219. However, the best insurer for you may depend on your specific circumstances and needs.
For example, if your credit score has suffered, Allstate remains the most economical choice with an average annual premium of $4,634. Conversely, if you own an older home, State Farm offers competitive rates at $3,581 per year, along with comprehensive coverage.
On the other hand, if you own a newly constructed home, USAA provides the most cost-effective solution at $1,350 per year. And for individuals with a history of claims, State Farm offers an affordable option at $4,460 per annum.
Finally, if you have valuable personal property that requires protection, Allstate again proves to be the best option, providing extensive coverage at a reasonable $2,670 per year.
Our detailed analysis at Insuranceopedia is designed to assist you in finding the perfect fit for your homeowners insurance needs. Through customer ratings, personal experiences, and comparison charts, we provide all the necessary information for you to make an informed decision.
How much is homeowners insurance in Brownsville, TX?
Allstate provides the most affordable homeowners insurance rate in Brownsville at $2,219 annually.
As depicted below, rates in Brownsville are higher than the national average. Additionally, Brownsville rates surpass the average rate for the state of Texas.
| Area | Average Monthly Rate |
| National | $1,820 |
| Texas | $3,208 |
| Brownsville | $3,898 |
It’s crucial to understand that insurance rates are not a one-size-fits-all matter. They can vary significantly based on a wide range of factors.
Cheapest Homeowners Insurance in Brownsville, TX
Our Methodology
To identify the most affordable home insurance rates in Brownsville, we examined data from multiple home insurance review sites, including public filings obtained by Quadrant Information Services. We've averaged these rates for this review, but it's important to note that each company's rates can change frequently and will differ based on your specific situation. Additionally, our overall rating considers my subjective opinion based on fifteen years of experience as a licensed insurance agent and over three decades of purchasing home insurance.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
Cheapest homeowners insurance in Brownsville, TX
Allstate stands out as the most budget-friendly option for homeowners insurance in Brownsville, TX, with an average annual rate of $2,219.
| Company | Annual Premium |
| Allstate | $2,219 |
| Nationwide | $2,930 |
| Amica | $4,470 |
| Chubb | $4,853 |
| State Farm | $6,904 |
Your policy’s cost is affected by various factors, such as location, home value, and your claims history. Allstate provides a well-balanced combination of affordability and comprehensive coverage.
Cheapest Homeowners Insurance In Brownsville If You Have an Older Home
For homeowners with older homes, State Farm provides the most affordable rates, averaging $3,581 per year.
| Insurance Company | Average Annual Premium |
| State Farm | $3,581 |
| Nationwide | $3,960 |
| Chubb | $4,323 |
| Allstate | $4,603 |
| Amica | $6,545 |
Older homes often pose unique risks and maintenance challenges, which can increase insurance expenses. State Farm offers competitive rates and comprehensive coverage specifically designed to address the needs of older homes.
Cheapest Homeowners Insurance for Newly Constructed Homes
If you own a newly constructed home, USAA provides the most cost-effective solution, with an average annual rate of $1,350.
| Insurance Company | Average Annual Premium |
| USAA | $1,350 |
| Allstate | $2,031 |
| Hartford | $3,804 |
| Chubb | $4,266 |
| State Farm | $4,930 |
Newly constructed homes often require different coverage compared to older homes, and USAA excels in providing affordable policies tailored to these specific needs.
Cheapest Homeowners Insurance If You Have Poor Credit
If you have a poor credit score, Allstate offers the most affordable solution, with an average annual rate of $4,634.
| Insurance Company | Average Annual Premium |
| Allstate | $4,634 |
| Farmers | $5,320 |
| Chubb | $6,550 |
| State Farm | $14,235 |
| Hartford | $17,140 |
Your credit score plays a significant role in determining your insurance rates as insurers use it to assess risk. Allstate recognizes that everyone deserves fair coverage, regardless of their financial history.
Cheapest Home Insurance In Brownsville for a History of Claims
Homeowners with a history of claims can find an affordable solution with State Farm, offering an average annual rate of $4,460.
| Insurance Company | Average Annual Premium |
| State Farm | $4,460 |
| Mercury | $4,733 |
| Nationwide | $6,071 |
| Allstate | $8,457 |
| Amica | $12,230 |
A history of claims can raise concerns for insurers, often resulting in higher premiums. However, State Farm believes in second chances and provides reasonable rates for those with past claims.
Cheapest Home Insurance Rates for Lots of Personal Property
If you have a wealth of personal property, Allstate offers the cheapest rates, with an average annual rate of $2,670.
| Insurance Company | Average Annual Premium |
| Allstate | $2,670 |
| Universal North America | $3,007 |
| Chubb | $4,843 |
| Travelers | $6,892 |
| State Farm | $6,971 |
The more personal property you have, the higher your coverage needs, which can lead to increased premiums. Allstate offers comprehensive coverage at reasonable rates, ensuring that all your belongings are adequately protected.
Best Homeowners Insurance Companies in Brownsville, TX
Selecting the right homeowners insurance isn’t just essential; it’s a strategic choice. With a rich history, Brownsville’s homes are as unique as its residents. Therefore, finding an insurance provider that offers comprehensive coverage at competitive rates becomes crucial.
To simplify your decision-making process, we’ve compiled a list of the top homeowners insurance companies in Brownsville, TX. These companies have been evaluated based on their annual premiums, coverage options, customer satisfaction ratings, and overall reliability. Take a look at our comparison chart below and find the perfect fit for your home insurance needs.
| Company | Annual Premium |
| Allstate | $2,219 |
| Nationwide | $2,930 |
| Amica | $4,470 |
| Chubb | $4,853 |
| State Farm | $6,904 |
| Universal North America | $2,930 |
| Hartford | $5,782 |
| Travelers | $6,749 |
Average Home Insurance Rates by Zip Codes
The cost of homeowners insurance in Brownsville, TX can vary significantly based on the zip code. Below are tables displaying rates for different zip codes in Brownsville, as well as the cheapest and most expensive zip codes in the area for annual home insurance premiums.
| ZIP Code | Average Insurance Premium (Annual) |
| 78520 | $3,369 |
| 78521 | $3,375 |
| 78522 | $3,363 |
| 78523 | $3,456 |
| 78526 | $3,363 |
| 78575 | $3,454 |
Cheapest Zip Codes
| ZIP Code | Average Insurance Premium (Annual) |
| 78520 | $3,369 |
| 78521 | $3,375 |
| 78522 | $3,363 |
Most Expensive Zip Codes
| ZIP Code | Average Insurance Premium (Annual) |
| 78523 | $3,456 |
| 78526 | $3,363 |
| 78575 | $3,454 |
Average Home Insurance Rates in Brownsville, TX by Deductible Amount
The deductible amount selected for a homeowners insurance policy can greatly impact the premium rates in Brownsville, TX. Here’s how the average home insurance rates change for different deductible amounts:
| Deductible Amount | Annual Rate |
| $500 | $2,485 |
| $1,000 | $1,878 |
| $2,000 | $946 |
Average Home Insurance Rates in Brownsville, TX By Coverage Amount
A significant factor that affects your premium is the dwelling coverage amount. This represents the maximum amount your insurance company will pay to rebuild or repair your home if it’s damaged or destroyed.
Now, let’s examine a comparison chart that outlines the average annual homeowners insurance premiums for different dwelling coverage amounts.
| Dwelling Coverage Amount | Average Annual Premium |
| $100,000 | $1,643 |
| $200,000 | $2,377 |
| $300,000 | $2,980 |
| $350,000 | $3,626 |
| $400,000 | $4,247 |
Average Home Insurance Rates in Brownsville, TX by Company
Below is a table comparing annual premiums from some of the leading insurance providers in Brownsville:
| Company | Annual Premium |
| Allstate | $2,219 |
| Nationwide | $2,930 |
| Amica | $4,470 |
| Chubb | $4,853 |
| State Farm | $6,904 |
| Universal North America | $2,930 |
| Hartford | $5,782 |
| Travelers | $6,749 |
How Much is Homeowners Insurance for Other Cities in Texas?
Here’s a comprehensive comparison chart highlighting the most affordable companies and their yearly premiums across different cities in Texas.
| City | Annual Premium |
| San Antonio | $2,320 |
| Amarillo | $3,830 |
| Dallas | $3,600 |
| Corpus Christi | $4,596 |
Getting Online Homeowners Insurance Quotes in Texas
With helpful resources like Insuranceopedia, getting the right coverage for your specific needs is simple. They offer quick online quotes from top-rated insurers, making it easy to compare rates.
Just enter your information, and they’ll do the hard work for you, presenting a range of options tailored to your requirements. This allows you to confidently choose a policy that offers the best value, balancing cost with comprehensive coverage.
FAQs
Who has the cheapest home insurance in Brownsville, TX?
Allstate offers the most affordable home insurance in Brownsville, Texas, with an annual premium of $2,219.
What is the average cost of home insurance in Brownsville, TX?
The typical cost of homeowners insurance in Brownsville, Texas, is around $3,898 per year.
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