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Harlingen, Texas is a rural community situated in the center of the Rio Grande Valley with easy access to South Padre Island and Mexico. Harlingen is host to many mom-and-pop stores, authentic Mexican food, and rare glimpses of Texas culture. The homeownership rate in Harlingen is 56.1%, lower than the national average of 63.9%.
Homeowners insurance should be a must for any homeowner in Harlingen. In addition to personal property, homeowners insurance protects the property in the event of damage, including burglary, arson, wind damage, and vandalism. Incidents like this do occur. When coupled with the high cost of fixing or replacing a house, buying homeowner insurance is a wise choice.
| Harlingen Average (Annual) | Texas Average | United States Average |
| $966 | $3,468 | $1,548 |
What you pay for Harlingen homeowners insurance depends on the insurance company you get your policy from. Texas Farmers offer the cheapest home insurance in Harlingen, with an average premium of $170 per year.
Take a look at the cheapest insurance companies in Harlingen, Texas to find the right home policy for you.
| Company | Average Annual Rate |
| Texas Farmers | $170 |
| United | $555 |
| ASI Lloyds | $955 |
| Safeco | $994 |
| USAA | $1,075 |
Not all areas in Harlingen will have the same cost of homeowners insurance. The community you live in can significantly affect how much you spend to insure your Harlingen, TX home. Policies are priced on geographic factors, the number of claims made in the surrounding area, the frequency of natural disasters, and other factors.
Lasana (ZIP code: 78550) has the most affordable homeowners insurance, with an average of $733 per year. The table below shows the places in Harlingen with the cheapest homeowners insurance.
| ZIP Code | Average Annual Home Insurance Rate |
| 78550 (Lasana) | $733 |
| 78551 (Harlingen) | $802 |
| 78552 (Palm Valley) | $909 |
Other Harlingen neighborhoods have homeowners insurance rates that are higher than the city average. Property crime levels, fire risk, and even the proximity to emergency facilities (such as fire and police departments) may affect the risk level of some areas of the city, increasing coverage costs. With an annual average premium of $1,199, ZIP code 78553 (Providence Park) is the most expensive in Harlingen for homeowners coverage.
| ZIP Code | Average Annual Home Insurance Rate |
| 78553 (Harlingen) | $1,199 |
| 78586 (San Benito) | $1,192 |
Harlingen is less vulnerable to the dangers of tornadoes than most of the lone-star state, but tornadoes do happen. Harlingen is also susceptible to floods. Often the arid conditions make it too difficult for the soil to soak up a lot of water, so flash flooding will create havoc in the region.
The amount of home coverage you prefer affects your insurance premiums. Harlingen households with $100K in dwelling coverage pay an average of $1,200 a year, and those with up to $400K of dwelling coverage pay around $4,508 per year.
| Coverage Level | Average Annual Rate |
| $100K Dwelling | $1,200 |
| $200K Dwelling | $2,948 |
| $250K Dwelling | $3,862 |
| $400K Dwelling | $4,508 |
Buying homeowners insurance doesn’t have to be complicated and frustrating. Here are some details on the type of insurance coverages available and what they are for:
One of the decisions you need to make when buying homeowners insurance is how much the deductible amount will be. The deductible is what you have to pay as a participation fee when filing for a claim and affects your premium amount.
When choosing a deductible, bear in mind that the larger your deductible, the lower the homeowners insurance rate will be. This suggests that anyone who wants reduced home insurance premiums may consider having a higher deductible. Keep in mind that the deductible should be something you can afford when you file for a claim in the future.
Below are some typical deductibles available on most home insurance plans and the average insurance rates.
| Deductible Amount | Average Annual Home Insurance Rate |
| $500 | $1,270 |
| $1,000 | $1,160 |
| $1,500 | $1,100 |
| $2,000 | $1,070 |
| $5,000 | $550 |
You should consider buying your vehicle and homeowners insurance plans from the same provider if saving money is one of your concerns. Bundling policies in Harlingen could lead to an average annual savings of 7%.
| Company | Avg. Annual Auto Insurance Rate (With Bundle) |
| State Farm | $1,170 |
| USAA | $1,302 |
| Allstate | $1,985 |
| Progressive | $2,065 |
| GEICO | $2,662 |
Price is always a factor to consider when you’re shopping for homeowners insurance. The insurer’s financial stability is also a critical consideration because it demonstrates its potential to handle claims. Always review the J.D. Power Ranking, AM Best Financial Rating, and Better Business Bureau’s Rating for home insurance.
| Company | J.D. Power Ranking | A.M. Best Rating | BBB rating |
| Allstate | 5 out of 5 stars | A+ (Superior) | A+ |
| Amica | 5 out of 5 stars* | A++ (Superior) | B- |
| Liberty Mutual | 3 out of 5 stars | Not rated | A |
| State Farm | 3 out of 5 stars | A++ (Superior) | A++ |
| Texas Farm Bureau Insurance | 3 out of 5 stars | A+ (Superior) | A |
| Home Insurance Company Near Harlingen, TX | Address |
| Connelly & Bartnesky Insurance | 1209 E Harrison Ave, Harlingen, TX 78550 |
| Daniel Reza – State Farm Insurance Agent | 1221 S 77 Sunshine Strip, Harlingen, TX 78550 |
| Sheree Wood: Allstate Insurance | 1901 Bell St Ste A, Harlingen, TX 78550 |
| Adolfo Torres – State Farm Insurance Agent | 622 S Ed Carey Dr, Harlingen, TX 78550 |
| Christina Palomo – State Farm Insurance Agent | 2312 S Expressway 83 D, Harlingen, TX 78552 |
Homeowners insurance covers the homeowner’s property and belongings. On the other hand, the renter’s insurance only covers the renter’s things. After all, the landlord is only responsible for maintaining the house, not the renter’s belongings.
Renters insurance is recommended but is not required. It can certainly come in handy if you experience theft of your possessions.
In most situations, you will require a home examination before you can obtain homeowners insurance in Harlingen. The inspection is a way for insurance providers to determine your home’s risks so that they can calculate your premiums.
Before your house is inspected, clear any clutter from your property that gets in the way of a detailed inspection. For example, remove all leaves from your gutters and ensure that these gutters are firmly attached before the inspection.
Homeowners insurance is not necessarily tax-deductible, but there are a few exceptions. For example, if you run a company in your house, you might be able to subtract certain insurance premiums after filing taxes. Similarly, whether you are a homeowner renting out a house or housing unit to a client, you will be entitled to subtract the expenses.
Whether you just prefer a friendly voice or need more information, our licensed agents are ready to help you save.