Average Homeowner Insurance Rates for Decatur, Texas
| Average Annual Insurance Rate |
| $2887 |
The Cheapest Homeowner Insurance Rates for Decatur, Texas
The Most Popular Home Insurance Providers in Decatur, Texas
Does credit score affect Decatur home insurance rates?
| Credit Score |
Average Annual Insurance Rate |
| bad |
$3650 |
| average |
$2887 |
| good |
$2511 |
Yes! Your credit rating can impact the price you pay for Decatur homeowners Insurance up to
$1139 per year. Our analysis shows Decatur home insurance shoppers with poor credit will pay up to
45% higher rates than shoppers with good credit. Poor credit shoppers will pay rates that are
30% higher than people with average credit and average credit rate shoppers will pay
15% higher rates than shoppers with good credit.
Does Building Construction affect Decatur home insurance rates?
| Construction Type |
Average Annual Insurance Rate |
| frame |
$2634 |
| Stucco/Hardie |
$2435 |
| Brick Veneer |
$2332 |
Your home construction style may also impact the price you pay for Decatur homeowners Insurance up to
$302 per year. Decatur home insurance shoppers with frame style construction pay up to
13% higher rates than homes made with brick while homeowners with homes constructed with Stucco or Hardieboard will pay
4% higher rates than homes made with Brick Veneer.
Is homeowners insurance higher for older homes in Decatur?
| Residence Age |
Average Annual Insurance Rate |
| 1 Year(s) Old |
$1699 |
| 10 Year(s) Old |
$2332 |
| 35 Year(s) Old |
$2664 |
Your home age impacts the price you pay for Decatur homeowners Insurance up to
$965 per year. Decatur home insurance shoppers with older homes pay
57% higher rates than new homes while homeowners with homes less than 30 years old will pay
37% higher rates than new construction homes.
