College Station, TX Homeowners Insurance

College Station, Texas, is located in Brazos County and was founded in 1876 with the inauguration of Texas A&M College. As the campus started to grow, a new community was formed, which led to building a municipal government in College Station. 

College Station is home to the world-famous George Bush Presidential Library, which showcases George H. W. Bush’s records. Apart from being an educational hub, many other local attractions allure people to move to College Station. 

As of 2021, the city has a total population of 113,686 and 39,908 housing units, with a homeownership rate of 37.7%. The median home value in College Station, TX, is $205,599. The low housing cost and great culture attract many new homeowners to invest in the College Station area. Regardless of low housing costs, College Station residents are always looking for affordable homeowners insurance premiums. 

A standard homeowners insurance policy not only offers peace of mind, but also protects your most significant investment – your home, from any unforeseen financial setbacks. Although it is not legally required to purchase homeowners insurance, it’s wise to get one anyway. If you are looking to buy homeowners insurance in College Station, try our Home Insurance Quote Comparison Tool and get free homeowners insurance quotes from top-rated insurance companies. 

Average Homeowners Insurance Cost in College Station

Your College Station homeowners insurance cost depends on various factors, including the value, location, and type of construction of your property. When you are looking for homeowners insurance, you need to compare rates from the best-rated companies in your area to ensure you get the best rates.

In College Station, the average homeowner insurance rate is $1,384, which is lower than the national and state average.  

College Station Homeowners Insurance Rates Compared to State and National Averages

College Station Average (annual)Texas AverageUnited States Average
$1,384$2,853$1,478

College Station Homeowners Insurance Premiums by Company

Insurance companies follow different methods to calculate your homeowners insurance rates in College Station. During your research, you will notice that rates vary significantly between companies.

If you want the cheapest homeowners insurance in College Station, look no further than Alfa Insurance. They sell their homeowners insurance at an annual premium of $649. Have a look at the following table below and see the homeowners insurance rates offered by different insurance providers.

College Station Homeowners Insurance Rates by Companies

CompanyAverage Annual Premium Rate
Alfa Insurance$649
Horace Mann Educators Corporation$990
State Farm$1,800
USAA$2,230
United$2,435
AIG$2,605

College Station Homeowners Insurance Rates by Coverage Amount 

When you buy a homeowners insurance policy, you will be asked to choose a dwelling coverage limit used to pay for the replacement or repair cost of your property in case of a disaster. Generally, if your dwelling coverage selected level is high, your homeowners insurance will cost more. 

Here’s how different coverage levels affect your annual homeowners insurance cost in College Station:

Homeowners Insurance Rates in College Station by Coverage Limits

Coverage AmountAnnual Home Insurance Cost
$100,000$575
$200,000$1,918
$300,000$2,435
$400,000$2,968
$500,000$3,787
$750,000 to $1000,000$4,376

College Station Homeowners Insurance Rates by ZIP Code

Homeowners insurance companies in College Station, TX, use local variables to calculate potential risks and insurance costs. The location of your home is the primary factor that can make your insurance cost high or low. Even if you move from one street to another in the same city, your homeowners insurance premium will fluctuate. 

Take a look at the table below, as we have listed the homeowners insurance rates in College Station based on different ZIP codes. 

Cost of Homeowners Insurance in College Station by ZIP Codes

NeighborhoodZIP CodeAverage annual homeowners insurance rate
Finfeather Rd77801$1,764
Bougainvillea St 77845$2,292
Glade St77840$2,808
Colonial Cir77844$2,952

Popular Home Insurance Deductibles in College Station

When you purchase homeowners insurance, your insurance agent would ask you to decide on a deductible amount. A deductible is a dollar amount that a homeowner is responsible for paying when filing an insurance claim. A high deductible can help you to reduce the cost of your homeowners insurance premium. 

The following table shows how College Station homeowners insurance rates fluctuate based on different deductible amounts. 

Homeowners Insurance Cost in College Station based on Deductible

Deductible LevelAverage Annual Homeowners Insurance Rate
$500$1,363
$1,000$1,232
$1,500$1,162
$2,000$1,048
$5,000$990

Homeowners Insurance Coverages Available in College Station 

A standard homeowners insurance policy in College Station provides coverage for:

  • Dwelling Coverage – Provides coverage for any damage to the physical structure of your home. 
  • Attached Structures Coverage – Protects the monetary loss for any structure attached to your home, such as a garage or shed. 
  • Personal Property Coverage – Provides coverage to your home’s content, including clothes, furniture, appliances or equipment, and jewelry. 
  • Personal Liability Coverage – Provides coverage if someone gets injured on your property or if the injury was caused by a resident of your home. 
  • Medical Expenses Coverage – Covers the medical expenses if someone gets injured at your property. 
  • Additional Living Expense Covers additional living expenses that might incur while living away from your home during an insurance claim. 

Best Home Insurance Companies in College Station, TX

When you are looking for a homeowners insurance policy, price is not the only thing you need to check. Before you sign the homeowners insurance agreement, you must check the company’s financial status, claim process, and customer service. 

To make your research easier, we have listed the best College Station homeowners companies based on J.D. Power Rankings, AM Best Ratings, and BBB Ratings.

Best Cheap Homeowners Insurance Company in College Station

CompanyJ.D. Power RankingA.M. Best RatingBBB Rating
Erie 5 out of 5 starsA+ (Superior)A+
Allstate 3 out of 5 starsA++ (Superior)A+
State Farm 4 out of 5 starsA++ (Superior)A
Farmers  3 out of 5 starsA+ (Superior)A+
Travelers 5 out of 5 starA++ (Superior)A+

Top Homeowners Insurance Agents in College Station

Homeowners Insurance Agency Near College Station, TXAddress
Jerry B. Anderson: Allstate Insurance2214 Texas Ave S, College Station, TX 77840
Jones & Associates Insurance Agency1580 Copperfield Pkwy, College Station, TX 77845
Farmers Insurance – Christine Folkers1701 Southwest Pkwy Ste 106, College Station, TX 77840
Rollo Insurance1500 Earl Rudder Fwy S, College Station, TX 77840
W.E. Gibson Insurance2752 Longmire Dr, College Station, TX 77845
Dexter & Company Insurance4030 Texas 6 Frontage Rd Suite 310, College Station, TX 77845
Miles Pusateri – State Farm Insurance Agent1621 Texas Ave S, College Station, TX 77840

Common Causes of Home Insurance Losses in College Station 

The most common reason for homeowners insurance claims in College Station is personal injuries. Personal liability coverage protects the homeowner and covers the cost of all the medical bills of the injured person. But, if the medical bills cross the limit of your policy, you might end up paying for the remaining costs. For such cases, you can buy additional coverage to protect yourself from financial losses. 

About 20 to 30 percent of the homeowners insurance claims filed in College Station were related to floods. Even though the city is not located in a flood zone, homeowners should have flood insurance to cover the damages. Windstorm and hail are pretty common in College Station, which makes it inevitable to purchase insurance that covers windstorm, hail, hurricane, and tornadoes. 

Money-Saving Tips for College Station Homeowners Insurance 

Everyone wants to save money on their homeowners insurance. With small steps, you can make a huge difference in your College Station, TX homeowners insurance premiums. You can try installing home security systems and get additional safety features to get discounts from your insurance company. The best way to save money on your homeowners insurance in College Station is by bundling your home and auto insurance.

Refer to the following table to see how bundling your home and auto insurance affects your insurance premiums. 

Auto & Homeowners Insurance Bundling Discounts in College Station, TX

Place1 Car Bundle Savings On Insurance2 Car Bundle Savings On Insurance3 Car Bundle Savings On Insurance
Brazos County, Texas$129$173$260
Bryan-College Station CCD, Brazos County, Texas$127$169$255
South Brazos CCD, Brazos County, Texas$132$177$266

Special Resources for Residents of College Station: 

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College Station, TX Homeowners Insurance FAQs

Standard homeowners insurance doesn’t cover the damages caused to the roof due to wear and tear. If your roof gets damaged suddenly due to any covered storm, your insurance policy will pay to replace it. 

If you have a bad credit history, your insurance company may deny your homeowners insurance. If you successfully get a homeowners insurance policy, your rates will be high due to your low credit score. 

Personal property coverage protects your personal items from damages caused by any covered peril. Your personal items could be furniture, electronics, clothing, art pieces, etc. If you ever lose your personal items to theft or fire, your personal property coverage will pay to repair or replace those items. 

Generally, homeowners insurance does not cover any animals, birds, fish, vehicles, and business property for any damages caused by flood, fire, earthquakes, and explosions. 

Your homeowners insurance policy will be automatically canceled if you missed a payment. The canceled insurance will stay on your record for several years, which can affect your future interactions with any insurance agents.  

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