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.
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 Average (annual)||Texas Average||United States Average|
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.
|Company||Average Annual Premium Rate|
|Horace Mann Educators Corporation||$990|
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 Amount||Annual Home Insurance Cost|
|$750,000 to $1000,000||$4,376|
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.
|Neighborhood||ZIP Code||Average annual homeowners insurance rate|
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.
|Deductible Level||Average Annual Homeowners Insurance Rate|
A standard homeowners insurance policy in College Station provides coverage for:
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
|Company||J.D. Power Ranking||A.M. Best Rating||BBB Rating|
|Erie||5 out of 5 stars||A+ (Superior)||A+|
|Allstate||3 out of 5 stars||A++ (Superior)||A+|
|State Farm||4 out of 5 stars||A++ (Superior)||A|
|Farmers||3 out of 5 stars||A+ (Superior)||A+|
|Travelers||5 out of 5 star||A++ (Superior)||A+|
|Homeowners Insurance Agency Near College Station, TX||Address|
|Jerry B. Anderson: Allstate Insurance||2214 Texas Ave S, College Station, TX 77840|
|Jones & Associates Insurance Agency||1580 Copperfield Pkwy, College Station, TX 77845|
|Farmers Insurance – Christine Folkers||1701 Southwest Pkwy Ste 106, College Station, TX 77840|
|Rollo Insurance||1500 Earl Rudder Fwy S, College Station, TX 77840|
|W.E. Gibson Insurance||2752 Longmire Dr, College Station, TX 77845|
|Dexter & Company Insurance||4030 Texas 6 Frontage Rd Suite 310, College Station, TX 77845|
|Miles Pusateri – State Farm Insurance Agent||1621 Texas Ave S, College Station, TX 77840|
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.
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.
|Place||1 Car Bundle Savings On Insurance||2 Car Bundle Savings On Insurance||3 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|
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.