Top 5 Home Insurance Companies in Canyon Lake, TX
Check out the most popular Home Insurance agencies & companies in Canyon Lake, TX & compare the best quotes from them.
Cost of Homeowners Insurance in Canyon Lake, TX
The average cost of homeowners insurance in Canyon Lake, TX, is $1350. As a homeowner in Canyon Lake, Texas, you need homeowner’s insurance to protect your home and belongings from damage or theft. Homeowner’s insurance also protects you from liability if someone is injured on your property. Without homeowner’s insurance, you would have to pay out of pocket to repair or replace your home and belongings if they were damaged or stolen. If someone was injured on your property, you could be sued and held liable for their medical bills and other damages. Homeowner’s insurance is an important part of being a responsible homeowner. Knowing that you and your home are protected gives you peace of mind.
There are a lot of analyses to be done to select the best homeowners insurance in Canyon Lake, Texas. It will assist you in getting all the necessary coverage to safeguard your loved ones and property. However, it is simple to understand what benefits you might receive from your insurance policy. Insurance providers may give you a price based on your personal data, location, and prior claims. These insurance firms frequently offer discounts to military veterans.
A few cheap home insurance companies in Canyon Lake, TX, offer a wide range of services. Refer to the chart below.
Factors influencing home insurance in Canyon Lake, TX:
1. Homeowners insurance rates by coverage levels
2. Homeowners insurance rates by deductibles
3. Homeowners insurance rates by materials used
4. Homeowners insurance rates by the number of claims
Homeowners Insurance Rates by Coverage Levels
The amount you pay for homeowners insurance depends on your coverage level. The more coverage you have, the higher your premium will be. But, of course, you want to make sure you have enough coverage to protect your home and belongings in the event of a disaster. For instance, homeowners in Sacramento County can purchase home insurance for $938 for a $200K policy. Homeowners often choose $300k to $400k in coverage, paying premiums of $1996 and $2514, respectively. The most important thing to remember when shopping for homeowners insurance is to get quotes from multiple insurers. Rates can vary widely, even for similar coverage levels. So, compare rates from at least three different insurers before deciding.
Homeowners Insurance Rates by Deductibles
When it comes to homeowners insurance, your deductible is one of the most important factors in determining your rates. A higher deductible means you'll pay less in premiums but more out-of-pocket if you make a claim. There are a few things to keep in mind when you're considering your homeowner's insurance deductible:
1. Make sure you can afford the deductible if you do make a claim.
2. Remember that your rates will go up if you choose a higher deductible.
3. Consider your home's value when you're choosing your deductible.
If your home’s value is high, you'll likely need a higher deductible to protect it. For example, homeowners in Canyon Lake, Texas, who choose a high deductible of 2500 pay $969.3 compared to those who choose a low deductible of 500, which costs $1333.8.
Homeowners Insurance Rates by the Materials Used
When it comes to homeowners insurance rates, the materials used in your home can have a significant impact. In Canyon Lake, Texas, homes made from brick or stone will be cheaper to insure than those made from wood. That's because these materials are more resistant to fire and weather damage and therefore pose a lower risk to the insurance company. The type of roofing on your home can affect your rates. Homes with metal roofs are often cheaper to insure than those with shingled roofs. This is because metal roofs are more resistant to wind and hail damage. For example, homeowners in Canyon Lake, TX, pay $1282.5 and $1309.5 in premiums for insurance, respectively, when their homes are built with masonry and have hail-resistant roofs.
Homeowners Insurance Rates by the Number of Claims
As the number of insurance claims filed by homeowners increases, so do their insurance rates. This is because insurance companies view customers with a history of claims as more likely to file future claims. As a result, these customers are considered to be a greater risk and are charged higher rates. In Canyon Lake, Texas, homeowners with no claims can purchase their policy for as little as $1161. The premium is higher for policyholders who have filed one or two claims and pay about $1417.5 and $1525.5 for home insurance, respectively.
Top Home Insurance Companies in Canyon Lake, TX
| Home Insurance Company | A.M. Best Financial Strength Rating | Homeowners Insurance Market share |
|---|---|---|
| State Farm | A | 19.55% |
| Allstate | A+ | 13.08% |
| Travelers | A++ | 4.01% |
| American Family Insurance | A+ | 3.4% |
| Erie | A+ | 3% |
Top State Farm Home Insurance Agents in Canyon Lake, TX
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Kevin Coan | 5900 Southwest Pkwy Bldg 2 78735 |
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| Robert Pico | 3755 S Capital Of Texas Hwy Ste 200 www.robertpicosf.com 78704 |
(512) 867-5010 | |
| Tommy Thomas | 6322 Sovereign St 6322 Sovereign St San\u00a0Antonio 78229 |
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| Robert Pratt | 4000 Medical Pkwy Ste 205b www.robertwpratt.com 78756 |
(512) 300-0637 | |
| Gail Williamson | Hwy 2147 PO Box 4366 www.gailwilliamson.org 78657 |
(830) 598-5636 | |
| Andy Christo | 9793 Culebra Rd Ste 103 www.andychristo.net 78251-3750 |
210-684-4327 | |
| Lisa Sams | 70 N.E. Loop 410 70 N.E. Loop 410 San\u00a0Antonio 78216 |
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| Thor Kaardal | 7756 Northcross Dr #204 www.thorkaardal.com 78757 |
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| Chuck Detmering | 12016 W Highway 290 Ste 3 www.chuckdetmering.com 78737-2837 |
512-300-0986 | |
| Regina Hart | 6750 Tezel Rd Ste 102 www.reginahart.com 78250 |
(210) 377-2220 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Acg South Insurance Agency Llc | 9160 Fm 78 Ste 5 78109-2040 |
210-659-5538 | |
| Englade Boudreaux Ins Agy Inc | 5720 Bandera Rd Ste 4A 78238 |
(210) 432-8383 Email:greg@ebwins.com |
|
| Marsh Usa-Birmingham | 2241 NW Military Hwy Ste 301 78213 |
(210) 340-6699 | |
| The Insurance Store Of Texas | Po Box 2550 78676 |
Email:teresam@theinsurancestoreoftexas.com |
|
| Maurice J Bessette Jr | 9650 Datapoint Dr STE 101 78229-2389 |
(210) 243-6433 | |
| Regions Insurance | 12030 Bandera Rd Ste 115 78023 |
(210) 695-6555 | |
| Spectrum Insurance Group | 129 Southbridge St San\u00a0Antonio www.spectruminsgroup.com 78216 |
Email:darrel.zaleski@spectruminsgroup.com |
|
| Wmg Casualty | 401 E. Sonterra Blvd. 401 E. Sonterra Blvd. San\u00a0Antonio 78258 |
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| Compare | 2506 S Lamar Blvd Ste 1 78704-4731 |
512-326-4630 | |
| Landon Agency | 13409 NW MILITARY HWY STE 308 78231 |
210-492-7000 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Crystal Newhart Insurance Services Llc | 3700 Ranch Road 620 S 78738-6304 |
512-263-8485 | |
| Keller Insurance | 8626 TESORO DR STE 310 78217 |
210-493-8030 | |
| T L Robertson Insurance Agencies | 38 Pfeiffer Rd 78006 |
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| Lake Insurance Inc. | 1001 CAPITAL OF TEXAS HWY S BLDG M-100 www.lakeinsurancesmiles.com 78746 |
512-328-9310 | |
| Home Run Insurance | 1383 BITTERS ROAD #1 78216 |
210-490-1494 | |
| Hruska Insurancenter Inc | 406 EAST MOUNTAIN STREET www.hruskains.com 78155 |
830-379-1434 | |
| Preston Insurance Agency | 102 E Mockingbird Ln 78745 |
(512) 697-9584 | |
| Emerling Agency Llc | 3810 Medical Pkwy Ste 155 78756 |
(512) 302-0920 | |
| Colaizzo/Thompson Insurance Associates | 1248 Austin Hwy Ste 202 78209-4867 |
210-822-2121 | |
| Reisinger Insurance Agency Inc. | 8626 Tesoro Dr Ste 814 78217 |
(210) 832-9196 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Marilyn Turner | 12042 Blanco Rd San\u00a0Antonio 78216 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Thomas Mckeon | 14893 Bandera Rd Ste 4 78023 |
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| Robert Prescott | 1301 S Capital Of Texas Hwy Ste B335 78746 |
(512) 328-8777 | |
| Travoris Perry | 11107 Wurzbach Rd., Ste 202 San\u00a0Antonio 78230 |
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| David Mcarthy | 8428 Bandera Rd 78250 |
(210) 520-4400 | |
| Matthew Welker | 7117 Bandera Rd 78238 |
(210) 523-1250 | |
| Luis Necuze | 7330 SAN PEDRO STE 206 78216 |
210-499-5050 | |
| Sunday A. Fajemisin | 3301 Northland Dr Ste 301 78731 |
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| Scott Miller | 600 Pat Booker Road , Tx 78148 |
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| Insurance Concepts | 5511 PARKCREST 200 78731 |
512-459-9200 | |
| Fowler & Assoc. | 533 E Court St 78155 |
(830) 379-7352 |
| Erie | State Farm | Allstate | |
| Median Home Value ($) | 265,160 | 275,160 | 285,160 |
| Construction year | 1984 | 2013 | 2011 |
| Home Coverage ($) | $200000-$250000 | $250000-$300000 | $300000-$350000 |
| Total Premium ($) | $1143 | $1790 | $1966 |
Canyon Lake, TX Multi Policy Discounts by Home Insurance Companies
| Home Insurance Company | Multi Policy Discount (%) |
|---|---|
| Travelers | upto 8% |
| Erie | upto 20% |
| American Family Insurance | upto 11% |
| Allstate | upto 18% |