Get Cheapest Insurance Quote
Call an Agent
Whether you just prefer a friendly voice or need more information, our licensed agents are ready to help you save.
Menu
Conroe is a popular city in Texas, serving as Montgomery’s county seat, just about 40 miles from Houston. Making your home on Conroe means you get to enjoy the many exciting places the city has to offer – from Lake Conroe to the Candy Cake Park.
Other interesting spots in the city of 91,079 people include the Heritage Museum of Montgomery County, Historical Flag Park, Campobello Bronze Fine Art Studio and Gallery, and Conroe Recreation & Aquatic Center.
In addition to providing shelter, your home serves as a store for your personal belongings, as well as priced assets. However, incidences like burglary, vandalism, and theft can cause damage to these valuable items. Even natural catastrophes like hurricanes and windstorms can destroy your home. It is, therefore, important to give your home some form of protection. That’s where a homeowners insurance policy comes in.
If you’re looking for the best Conroe Homeowners Insurance, you couldn’t be in a better place. This guide will help you make the right choice of an insurance package best for your home and finances.
The average homeowners insurance cost in Conroe, Texas, is $1,579. Insuring your house in Conroe is much cheaper than most other parts of Texas, and it is even cheaper than both the state and national homeowners insurance. See our table for a comparative breakdown of homeowners insurance in the city up to the national level.
| Average Homeowners Insurance Cost Annually | |
| Conroe, TX | $1,579 |
| Texas | $3,500 |
| Nationwide | $2,305 |
There are several affordable homeowners insurance plans in Conroe, Texas. While the exact quote for your home will depend on several factors, such as your home value, size, building materials, and deductible, you still can get your hands on cheap insurance packages. The cheapest home insurance policy in Conroe is GEICO at $723.
The tables below show the annual average of homeowners insurance from different providers in Conroe.
| Insurance Company | Annual Homeowners Insurance Rate |
| GEICO | $723 |
| Safeco Insurance | $1,824 |
| Horace Mann Educator’s Corporation | $2,643 |
| American National Property and Casualty Company | $3,757 |
| Insurance Company | Homeowners Insurance Rate |
| Progressive | $6,575 |
| Amica | $6,573 |
| Alfa Insurance | $5,686 |
| MetLife | $5,331 |
| State Auto | $5,158 |
Homeowners insurance rates in Conroe, Texas, vary slightly by neighborhood. The table below shows the average you should expect for selected streets in the city of Conroe, Texas.
| Neighborhoods | Average Homeowners Insurance Cost |
| Willis County Ln, Kentucky Oaks Dr, Woodwind Dr, FM 2878 Rd, Old Conroe Rd, Dr. Acreman Rd, | $1,009 |
| Wilson Rd, E Stockbridge Landing Cir, Queens Ct, Mohawk Bend, Nugent St, Merrimac Park, S Lake Shore Dr, | $1,012 |
| W Prairie Dawn Cir, Carriage House Way, Collier Rd, Texas Star Ct, Glade Meadow Ln, Stone Creek Dr | $1,061 |
| Bloomsbury Ct, Bob White, Indian Wells Ln, Farm-to-Market Road 105-2090 Cutoff, Twilight Pl, Wick Willow Rd, | $1,064 |
| Jadewing Ct, Crownridge Dr, Topaz Ct, Memory Ln, Courtland Green, S Loop 336 E, Lake View Dr | $1,067 |
| Songwood Trl, Golden Oak, Valley Mead Pl, Teas Nursery Rd, Waterview, Moss Bluff Ct, Markham Groove Pl | $1,068 |
| Neighborhoods | Average Homeowners Insurance Cost |
| Weeping Willow Way, N Whistlers Bend Cir, Benjamin Dr, S 2nd St, Russet Grove, Nicholas Ct, Greenfield Dr | $1,094 |
| Hurley Ln, Box Elder Dr, Centaurus Ct, League Line Rd, Stonefield St, Sandra Ct, Osage Trl, Timberlane St | $1,110 |
| Downing Ct, Hensen Rd, Shadow Brook Dr, Longmire Rd, Slick Rock Dr, Forest Lake Ct, Robindale Cir | $1,119 |
| Lakewood Surrey Run Pl, Hillwood Ln, N Haversham Ct, Quiet Water Way, Palestine St, Rose Royal Dr | $1,128 |
When purchasing an insurance plan, you have to choose a deductible, which is the amount of out-of-pocket money you pay towards a claim. Some people go for a high deductible so they can pay lower insurance rates. For others, a low deductible means less financial burden if the unexpected happens and they have to file a claim.
| Deductible | Annual Homeowners Insurance Rate |
| $500 | $1,560 |
| $1000 | $1,411 |
| $1500 | $1,327 |
| $2000 | $1,206 |
| $2500 | $1,132 |
Insurance companies will factor in home value when calculating homeowners insurance cost for your home. On average, a home between $100,000 and $125,000 will cost $873 in insurance rate. Homes that cost higher than $299,999 in Conroe will take in up to $2,799 in insurance. We’ve put together homeowners insurance annual averages for different home value range.
| Home Value | Average Homeowners Insurance Rates |
| >$50,000 | $199 |
| $50,000 -$79,999 | $521 |
| $80,000 -$89,999 | $678 |
| $90,00 – $99,900 | $757 |
| $100,000 – $124,999 | $873 |
| $125,000 – $149,999 | $1,100 |
| $150,000 – $174,999 | $1,300 |
| $175,000 – $199,999 | $1,495 |
| $200,000 – $249,999 | $1,796 |
| $250,000 – $249,999 | $2,199 |
| $300,000 – $399,999 | $2,798 |
| Age of Home | Annual Homeowners Insurance Rate |
| New Home | $1,218 |
| 30 years | $1,604 |
| 40 years | $1,622 |
| 50 years | $1,641 |
| Above 50 | $1,656 |
A standard Homeowners Insurance policy offers the following overages:
| J.D Power Rating | NAIC Value | BBB Rating | AM Best Rating | |
| Allstate | 4/5 | 0.21 | A+ | A++ |
| USAA | 5/5 | 0.15 | B+ | A++ |
| Amica | 4/5 | 0.20 | A | A++ |
| State Farm | 4/5 | 0.20 | A | A++ |
| Farmers | 3/5 | 0.37 | B | A |
| Progressive | 2/5 | 0.14 | B+ | A |
| Auto-owners | 4/5 | 0.27 | N/A | A++ |
With the ever-rising homeowners insurance rates, you would want to save as much as you can. There are several homeowners insurance discounts that can save you a lot of money. Let’s take a look at some of them:
Getting affordable home insurance in Conroe, Texas, depend on a lot of factors. Your insurance agent will take a look at your home value, cost of a rebuild, crime statistics in the area you live in, and your previous claim history. All of these factors put together will determine how much it costs to protect your home.
The crime rate in Conroe, Texas, is about 38 crimes per one thousand residents. That figure is lower than the national average, and the equally high poverty rate could provide an explanation. With the high tendency of theft and vandalism in some areas, you can bet that home insurance policy will cost more in those neighborhoods.
Going through quotes from top insurance companies can be one heck of a job, but it’s worth all the stress. That way, you’ll be able to compare quotes to find the most affordable rates and available discounts. Most insurance carriers also offer mixed policies that allow you to combine your auto and home insurance policies and save some cost as a result.
As Herculean as it may seem, finding cheap homeowners insurance in Conroe is absolutely a possibility. Although the actual insurance cost for your home depends on your home type, value, and cost of a rebuild, many of Conroe’s rates are affordable. You have to take time to compare quotes and decide on what’s best for you.
Replacement cost coverage is the payment an insurance provider makes to fix the damages with materials of the same quality. This payment does not take into account the depreciation of the property before the damage. On the other hand, the actual cash value is the amount an insurance provider pays to repair or replace the home, with depreciation taken into account.
Whether you just prefer a friendly voice or need more information, our licensed agents are ready to help you save.