Average Homeowner Insurance Rates for Hempstead, Texas

Average Annual Insurance Rate
$2448


The Cheapest Homeowner Insurance Rates for Hempstead, Texas

Provider Annual Insurance Rate
Lighthouse Property Insurance $978
Kemper Insurance $1194
National Specialty Insurance $1241
Hartford Insurance $1455
Allstate $1518
American Mercury $1564
USAA $1627
Travelers Insurance $1685
Nationwide Private Client $1793
Texas Farm Bureau $1814



The Most Popular Home Insurance Providers in Hempstead, Texas

Provider Annual Insurance Rate
Liberty Insurance $5176
Nationwide $3144
State Farm $2670
Texas Farmers Insurance $2008



Does credit score affect Hempstead home insurance rates?

Credit Score Average Annual Insurance Rate
bad $3176
average $2448
good $2098
Yes! Your credit rating can impact the price you pay for Hempstead homeowners Insurance up to $1078 per year. Our analysis shows Hempstead home insurance shoppers with poor credit will pay up to 51% higher rates than shoppers with good credit. Poor credit shoppers will pay rates that are 35% higher than people with average credit and average credit rate shoppers will pay 17% higher rates than shoppers with good credit.

Does Building Construction affect Hempstead home insurance rates?

Construction Type Average Annual Insurance Rate
frame $2270
Stucco/Hardie $2120
Brick Veneer $2019
Your home construction style may also impact the price you pay for Hempstead homeowners Insurance up to $251 per year. Hempstead home insurance shoppers with frame style construction pay up to 12% higher rates than homes made with brick while homeowners with homes constructed with Stucco or Hardieboard will pay 5% higher rates than homes made with Brick Veneer.


Is homeowners insurance higher for older homes in Hempstead?

Residence Age Average Annual Insurance Rate
1 Year(s) Old $1515
10 Year(s) Old $2019
35 Year(s) Old $2344
Your home age impacts the price you pay for Hempstead homeowners Insurance up to $829 per year. Hempstead home insurance shoppers with older homes pay 55% higher rates than new homes while homeowners with homes less than 30 years old will pay 33% higher rates than new construction homes.