Harlingen, TX Home Insurance Quotes!

Harlingen, TX homeowners are now shopping online to conveniently discover new ways to compare home insurance prices. At GetHomeInsuranceQuotes.com, we enjoy providing top notch customer service to local homeowners that are in need of clear and accurate coverage for their beautiful Harlingen home. We understand that you don't have a ton of time to shop every home insurance company that can provide a competitive rate. That's our job! We work with you and help you compare the best coverage options available and it only takes a few minutes for you to complete the online quoting application. Since 1986, our focus has been to put the needs and the customer first. We have been able to service thousands of homeowners in Harlingen and throughout the state of Texas. We can usually provide up to 12 quotes and we can pick the best coverage options for you. In most cases, the best home insurance policy is not always the cheapest. And our TX licensed specialists are here to help you find the protection you need for you and your family.

For a quick homeowners insurance quotes for your home in Harlingen, TX, please enter your zip code. The process only takes 1 minute to complete. Start your home insurance quote today or give us a call now at 866-502-7287!

Harlingen, TX (CAMERON County) Demographics

Did you know there are 64,849 residents living within the Harlingen city limits, which is roughly 16,258 households per zip code with 3 people per household. The average household income is $40,435, which is slightly below the national average. Homes are very affordable in the Harlingen area with the average house value to be around $86,480.

Demographic	Values
Population	64,849
Total Occupied Households	21645
Family Households (families)	16176
Average Owner Occupied Household Size	2.95
Average Family Size	3.44
Total Housing Units	25585

Harlingen, TX Homeowners Insurance Resources

Below are some additional resources to help you understand your home insurance coverage and policy details for a home located in Harlingen, TX.

What is the average Harlingen, TX home insurance rate per year? $1,508 / yr.
What is the monthly cost of home insurance in Harlingen on avereage? $126 per month
What is the cost of home insurance in Harlingen for a $275,000 home? $1,258 / yr.
What is the cost of homeowners insurance in Harlingen for a 3,000 square foot home? $1,808 / yr.
What the national average in the United States? $1311.00

The average home insurance rate for Harlingen displayed above is an accumlative average based on a standard homeowners insurance policy. We can help you compare up to 12 rates and review all the discounts and credits that may apply to help you save up to 40% or more.

Top 5 Helpful Saving Resources

Below are helpful saving tips when purchasing or shopping for home insurance.

FAQ: What is a Harlingen, TX Homeowners Insurance Policy?
FAQ: What does a replacement cost coverage and actual cash value mean for my home in Harlingen, TX?
This home insurance calculator will calculate your dwelling coverage for your home in Harlingen, TX so you know what type of home insurance coverage you need to cover your replacement cost.
Here are the top five homeowners insurance discounts that you may not be aware of in Texas
Here are the top 3 home insurance credits available to homeowners.

Compare Homeowners Insurance Rates in Harlingen, TX!

Get up to 12 competitive Harlingen, TX homeowners insurance rates all in one place!

About Our Service in Texas

We are providing the most competitive homeowners insurance rates in Texas. Our quoting process is very quick and easy to use when you want to compare over 16 competitive rates all in one place. Our office is located in the heart of Austin, Texas and we are ready to help you compare the most affordable home insurance options and discounts with the most enhanced coverage options. Our rates will be generated from companies like: American Risk Insurance, Bankers Insurance Group, Centauri, Cypress Texas Insurance, Encompass Insurance, GeoVera Specialty, Gulfstream Property & Casualty, Home Owners of America, Lighthouse Property Insurance, Mission Select, TWICO, Universal North America (UIHNA), United property and casualty, Wellington, American Modern, Safeco and many more. Let us help you shop the lowest Texas rates available, start your quote online now or give us a call at 877-480-7274. We look forward to working with you!

Average Rates Nearby Harlingen

Are you looking for homeowners insurance in a city near Harlingen? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Harlingen, TX

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Harlingen.

78550, 78552,

Harlingen, TX Home Insurance Average Premiums

Local Harlingen, TX home insurance quotes comparison

$1258 /yr.

Shows Harlingen's lowest average rates with discounts applied.

For the city of Harlingen, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:	Annual Premium
1800 sq. ft. or below (discounts applied)	$1258 /yr.
Average Coverage:	$1508 /yr.
2600 sq. ft. or higher (all discounts applied)	$1808 /yr.

What is the average home insurance cost for a home in Harlingen, TX?

• The average homeowners insurance premium paid annually for a home in Harlingen is around $1508 per year.

What does it cost on average per month for home insurance in Harlingen, TX?

• Homeowners in Harlingen pay an average cost per month around $126.00 for insurance coverage.

Harlingen, TX Coastal Wind, Hail & Flood Information

Harlingen is located in a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Flood Zone Notice: The beautiful coastal city of Harlingen is know for it's beautiful beaches and waterways. Because Cameron County (FIPS: 48061) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Harlingen, TX.

Coastal Texas Information: What does a Texas Wind and Hail Policy Cover? or Coastal Texas Home Insurance Rates

Harlingen, TX - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$158,038	$146,018
February	$159,268	$147,992
March	$160,265	$150,196
April	$159,152	$152,156

Homeowners insurance will help cover the cost to repair or replace your Harlingen home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Harlingen
Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.

Get up to 12 competitive Harlingen, TX homeowners insurance rates all in one place!

Saving Money Tips on Harlingen Home Insurance

A great way to save money on Harlingen homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Harlingen area? Check out what homeowners are paying on average for Texas homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation	Details	Homeowners Tips
27 ft.	This is the average home elevation in Harlingen, TX	» Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Harlingen, Texas. A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home. Call Now for Flood Insurance Quotes: 888-620-1954! Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy. It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas.

Elevation

Details

Homeowners Tips

27 ft.

This is the average home elevation in Harlingen, TX

» Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Harlingen, Texas.

A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home.

Call Now for Flood Insurance Quotes: 888-620-1954!

Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy.

It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas.

To get online quotes on your home and compare rates on home insurance premiums in Harlingen, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Cameron County.

Texas Homeowners Insurance News & Information

2024 Average Homeowners Insurance Rate at $2,777 per year Posted on Tuesday 20th February, 2024
A recent report by Insurance.com, found that the average homeowners insurance rate in the U.S. came in at $2,777 per year which breaks down to $231 a month. The average was based on coverage levels of $300,000 in dwelling and liability and a $1,000 deductible. When Insurance.com ran the numbers, Oklahoma was the most expensive […]
9% Predicted Jump in Home Insurance Rates in 2023 Posted on Tuesday 25th April, 2023
According to a new report by online marketplace Insurify, average homeowner insurance premiums are headed up again in 2023. The report predicts that the average cost of homeowners insurance could jump up 9% which translates into about $150 increase for most homeowners. The pain will not be distributed equally, homeowners in some states will see […]
Get Cheaper Home Insurance by Using These Great Saving Tips Posted on Friday 19th August, 2022
Homeowner insurance rates are headed up in many states this year. Colorado’s new average rate is around $3,400, Oklahoma is now $3,300, Tennesse has also moved up on the list to an average home insurance rate of $3,000 per year. Kansas and Texas are both around $2,500 for the year. While your premium may be […]
Top 3 Reasons Homeowners Can Expect a 3% to 30% Rate Increase Posted on Monday 18th April, 2022
Interest rate hike due to inflation percentage rising up, FED, federal reserve or central bank monetary policy, economics or loan concept, businessman archery percentage arrow high up into the sky. There is a good chance that your homeowners insurance premium will be headed up this year. According to a recent S&P Global Market Intelligence report, homeowners […]
Wind & Hail Home Insurance Coverage Guide Posted on Monday 13th September, 2021
Home in Panama City, Florida suffers from wind and hail damage in 2018. This damaged house is from hurricane Michael. Hailstorms can do a tremendous amount of damage to your house and roof in very short amount of time and if you are not properly insured you could end up having to cover the cost […]

Harlingen, TX Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Harlingen so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Harlingen, TX?

- The average square footage in Harlingen is around 670 Sq. Ft. which would cost you around $86,480 to replace the home if you base the home on the price to build per square foot of $129.

Minimum Replacement Cost Total: $86,480

Location: Harlingen, Texas (Cameron County)

Average Building Cost Per Square Foot in Harlingen: $129 (low end)

Average Square Footage in Harlingen: 670 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$129	$86,480
Some Additional Upgrades	$161	$108,100
Major Home Updates or Advancements	$194	$129,720

Calculate Your Harlingen, TX Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($129) in Harlingen, Texas times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $403,125 (Media price to build of $161 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.