Best & Cheapest Homeowners Insurance in Brownsville, TX June, 2024

Allstate provides the most economical homeowners insurance to homeowners in Brownsville, with an average annual quote of $2,219.

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Updated: 05 May 2024
Written by
Bob Phillips
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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.

66

Quotes Analyzed

15+

Years Of Industry Experience

24

Brands Reviewed

40+

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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