Leander, TX Homeowners Insurance

Leander is a suburb of Austin with a population of 54,000 inhabitants. Leander is situated in Williamson County and is one of the safest places to live in Texas. Living in Leander gives people a country feel and most of the residents own their houses. There are a lot of parks in Leander. Many families and young people live in Leander, and the inhabitants tend to be conservative. Leander’s public schools are highly ranked.

The homeownership rate in Leander, TX is 78.8%, which is higher than the national average of 63.9%.

The price of homeowners’ insurance in Leander based on a range of factors, including the value of the house, the condition of your property and the materials used to build the house.  The area where your house is will also have a bearing on how much you pay for homeowners insurance. Some areas are more vulnerable to risks, such as floods, hail, earthquakes and other dangers. This will make the insurance premium more expensive.

How Much Does Homeowners Insurance Cost in Leander?

Homeowners Insurance: Leander Rates Vs. State + National Averages

Leander Average (Annual) Texas Average United States Average
$1048 $3,468 $1,548

Leander Homeowners Insurance by Company

Leander homeowners insurance rates vary based on the insurance provider you choose. Texas Farmers offers the most affordable homeowners insurance in Leander at an average of $250 a year, lower than the city’s overall homeowner premium of $986.

Affordable Homeowners Insurance Companies in Leander

Company Average Annual Rate
Texas Farmers $250
ASI Lloyds 1,037
Safeco $1,039
United $1,050
Travelers $1,137

Leander Homeowners Insurance Prices by ZIP Code

Depending on which part of Leander you live in, you could see a difference in your home insurance’s price. Policies are priced on geographic factors, such as the number of claims made in the surrounding area.

Area code 78641 has the cheapest home insurance rate in Leander, with an average price of $910 per year. The table below shows other ZIP codes with affordable homeowners insurance in Leander.

Cheapest Neighborhoods for Homeowners Insurance in Leander

ZIP Code Average Annual Home Insurance Rate
78641 (Nameless) $910
78646 (Volente) $1,030

Number of Catastrophes in Texas and the US:

  • National number of catastrophes: 19,003
  • Number of catastrophes in Texas: 1,905
  • National number of tornadoes: 1,230
  • Number of tornadoes in Texas: 220
  • National property damage from weather: $5,511,270,000
  • Property damage from weather in Texas: $1,026,150,000

Leander sits on the southern side of Tornado Alley. Homes here face a higher-than-average risk of destruction caused by tornadoes and other windstorms. Since this area is heavily populated, there is a very high risk that a tornado that hits nearby will result in collateral damage.

Homeowners insurance will provide coverage for your property from natural disasters such as fires and hurricanes. Check your coverage regularly to ensure that the thresholds and coverage amounts for multiple disasters are sufficient. A change in your house’s valuation, added high-value belongings that you have acquired, and natural disasters that have happened recently are good indicators that you need to have your coverage reviewed to ensure you are sufficiently insured.

Leander Homeowners Insurance Rates by Coverage Level

The level of homeowners coverage you prefer affects your insurance rates. Leander households with $200K in dwelling coverage pay an average of $1,572 per year, and those with up to $400K of dwelling coverage pay around $2,441 a year.

Homeowners Insurance Rates in Leander—Popular Coverage Limits

Coverage Level Average Annual Rate
$100K Dwelling $765
$200K Dwelling $1,572
$250K Dwelling $1,917
$400K Dwelling $2,441

What Does Leander Homeowners Insurance Cover?

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:

  • Dwelling Coverage: This is your standard insurance policy covering losses and damages to your property’s physical structure.
  • Personal Property Coverage: You may want personal property coverage for your possessions, whether inside or outside your home.
  • Liability Protection: Liability protection covers you if you hurt someone or damage another person’s property.
  • Guest Medical Protection: This coverage is specifically to cover people who are injured on your property.

Leander Homeowners Insurance Rates by Deductible Amount

A homeowners insurance deductible is the amount the insured has to pay when filing for a claim. If you opt for a higher deductible amount, you will pay lower insurance premiums. However, make sure that you can afford the deductible you choose if you have to file for loss.

Below are the typical deductibles provided by most home insurance providers and the average insurance rates.

Homeowners Insurance Costs by Deductible in Leander

Deductible Amount Average Annual Homeowners Insurance Rate
$500 $1,448
$1,000 $1,248
$1,500 $1,050
$2,000 $848
$5,000 $648

Best Homeowners Insurance Companies in Leander

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

Top Home Insurance Agents Near Leander, TX

Home Insurance Company Near Leander, TX Address
Ryan Torres – State Farm Insurance Agent 301a N, US-183, Leander, TX 78641, United States
Sean Whitehead – State Farm Insurance Agent 1910 S Bagdad Rd Ste 600, Leander, TX 78641, United States
Greg Meyer – State Farm Insurance Agent 10824 E Crystal Falls Pkwy Ste 406, Leander, TX 78641, United States
Farmers Insurance – Judy Argo 11880 Hero Way W Ste 103, Leander, TX 78641, United States
Waley Insurance 202 N Brushy St, Leander, TX 78641, United States

Bundle Homeowners and Auto Insurance in Leander, TX to Save Money

You might want to consider buying your homeowner and auto insurance plans from the same company if saving money is one of your priorities. Bundling policies in Leander can result in an annual savings of 7%.

Cheapest Auto Insurance Rates With Home Insurance Bundled in Leander

Company Avg. Annual Auto Insurance Rate (With Home Insurance Bundle)
State Farm $1,140
USAA $1,333
Progressive $1,850
Allstate $1,790
GEICO $2,120

Home Insurance Resources for Leander Residents

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Leander, TX Homeowners Insurance FAQs

Homeowners insurance plans normally do not cover, but are not limited to damages arising from the following:

  • Earth movement
  • Water
  • Nuclear hazard
  • Neglect or failure to make repairs
  • Corrosion, deterioration, decay or rust
  • Wear and tear
  • Contamination
  • Fungi
  • Increased cost due to enforcement of any building ordinance or law
  • Government actions
  • Power failure
  • Animals or pests
  • War

Yes. Usually, homeowners insurers cover you for the leakage of water from a plumbing unit. Once a year, review the plumbing and heating systems. While you’re protected for this kind of destruction, who wants the mess and the hassle?

Generally, you can call your representative who will assist you in updating your coverage if you change anything important about your home or its contents. 

  • When you add onto your house; 
  • When you start a company from your home; 
  • When you make a big investment, such as jewelry or a computer; 
  • When you purchase other residential properties, either to rent or as a second home.

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