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Stone Texas Welcome SignPlenty of people enjoy living in Texas because of the relatively low real estate costs, as compared to California, New York and other parts of the country. But when looking at housing prices, you also have to budget for home insurance. How much does home insurance cost in Texas?

The short answer: It depends.

The calculation of a home insurance quote takes many factors into consideration, including:
  • The Local Crime Rate: A lower crime rate reduces the risk of theft or other damages, which can result in a lower premium.
  • The Value of Your Home: You'll need to select a coverage limit that fully protects your house and other structures on your property.
  • The Overall Value of Your Possessions: You'll also need enough coverage to protect furniture, clothing, appliances, artwork and other possessions.
  • Local Weather Patterns: Homes in areas prone to tornadoes, hail storms and other risky weather patterns may come with a higher premium.
  • Proximity to Authorities: Living close to police and fire stations increases the odds of a disaster being averted before your home becomes a total loss — which, in turn, may lead to a lower premium.
There are many more factors that go into home insurance rates. With all this in mind, you probably won't pay the same premium as your friends and family — even if they all live in Texas too.

Your independent insurance agent can help you pull quotes from various insurance providers in order to ensure you get the best coverage for the most reasonable price.

Get personalized assistance today. Call Miller Insurance Agency at (409) 899-9531 for more information on Texas home insurance.
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Beaumont, TX 77708

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