Pflugerville, TX Homeowners Insurance

Pflugerville has a population of about 62,000 residents, with a homeownership rate of 75.5%, which is lower than the national average of 63.9%.Pflugerville is a college town which makes it an interesting place to live. There is a surge in the economy. There are also a lot of entertainment opportunities that will keep you busy. You’re going to have a hard time getting bored in this town.

Another benefit of living in Pflugerville is that it’s really close to Austin. You can get to Austin in about 20 minutes, which is perfect if you work in Austin like a lot of people who live in Pflugerville. The cost of living in Pflugerville is higher, and many of the residents are liberals. 

The price of homeowners’ insurance in Pflugerville depends on a number of factors, including the valuation of the land, the worth of your belongings and the materials used to build the house. The location of your property will also have an effect on how much you pay for homeowners insurance. Some areas are more vulnerable to threats, such as wildfire, hail, earthquakes and other hazards. This would make the insurance policy more costly.

How Much Does Homeowners Insurance Cost in Pflugerville?

Homeowners Insurance: Pflugerville Rates Vs. State + National Averages

Pflugerville Average (Annual) Texas Average United States Average
$1056 $3,468 $1,548

Pflugerville Homeowners Insurance by Company

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

Affordable Homeowners Insurance Companies in Pflugerville

Company Average Annual Rate
Texas Farmers $250
ASI Lloyds 1,047
Safeco $1,049
United $1,058
Travelers $1,145

Pflugerville Homeowners Insurance Prices by ZIP Code

Depending on which part of Pflugerville 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 78660 has the cheapest home insurance rate in Pflugerville, with an average price of $850 per year. The table below shows other ZIP codes with affordable homeowners insurance in Pflugerville.

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

Pflugerville 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.

Pflugerville Homeowners Insurance Rates by Coverage Level

The level of homeowners coverage you prefer affects your insurance rates. Pflugerville households with $200K in dwelling coverage pay an average of $1,436 per year, and those with up to $400K of dwelling coverage pay around $2,238 a year.

Homeowners Insurance Rates in Pflugerville—Popular Coverage Limits

Coverage Level Average Annual Rate
$100K Dwelling $696
$200K Dwelling $1,436
$250K Dwelling $1,752
$400K Dwelling $2,238

What Does Pflugerville 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.

Pflugerville 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 Pflugerville

Deductible Amount Average Annual Homeowners Insurance Rate
$500 $1456
$1,000 $1256
$1,500 $1,054
$2,000 $850
$5,000 $654

Best Homeowners Insurance Companies in Pflugerville

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 Pflugerville, TX

Home Insurance Company Near Pflugerville, TX Address
Tom Hoang Agency 821 Grand Ave Pkwy STE 401, Pflugerville, TX 78660, United States
Todd Durflinger – State Farm Insurance Agent 2911 A.W. Grimes Blvd Suite 520, Pflugerville, TX 78660, United States
TWFG Insurance Pflugerville-Randazzo Insurance 2911 A.W. Grimes Blvd Suite #610, Pflugerville, TX 78660, United States
Freeway Insurance 1616 Farm to Market 685 Suite 105, Pflugerville, TX 78660, United States
Glenn Moore – State Farm Insurance Agent 15301 N Interstate Hwy 35 Ste H, Pflugerville, TX 78660, United States

Bundle Homeowners and Auto Insurance in Pflugerville, 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 Pflugerville can result in an annual savings of 7%.

Cheapest Auto Insurance Rates With Home Insurance Bundled in Pflugerville

Company Avg. Annual Auto Insurance Rate (With Home Insurance Bundle)
State Farm $1,030
USAA $1,140
Progressive $1,300
Allstate $1,390
GEICO $1,420

Home Insurance Resources for Pflugerville Residents

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Pflugerville, TX Homeowners Insurance FAQs

Each fire protection agency (including your local fire department) is reviewed by the Insurance Services Office (ISO) and ranked on the basis of their fire protection services, such as fire equipment, personnel and available water supplies. The ranking is called the Public Protection Class (PPCTM) with 1 being the best score and 10 the worst score. Many insurance companies use the P P C rating and the distance your home is from the nearest lawfully responding fire department to determine whether or not they will insure your home and how much to charge. 

There are two distinct ways to insure your personal possessions:

Replacement cost coverage. This coverage costs you the dollar amount required to buy personal property without any depreciation deduction, but is limited to a maximum dollar amount.

Actual cash value. This coverage pays you an equal amount to the replacement value of lost property minus depreciation. Unless the homeowners policy specifies that the house is insured with its replacement value, the coverage is for the real monetary value of the property.

A deductible is the amount that you are liable for in the case of an insured loss. In most of the cases of losses covered, you are liable for the amounts up to your deductible level and the insurance will cover anything above your liability limit. For example, if you pick a $1,000 deduction and have a $5,200 insured loss, you will collect a $4,200 claim after deducting the $1,000.

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