Average Homeowner Insurance Rates for Waco, Texas

Average Annual Insurance Rate
$2300


The Cheapest Homeowner Insurance Rates for Waco, Texas

Provider Annual Insurance Rate
Lighthouse Property Insurance $804
Texas Farm Bureau $938
USAA $1262
National Specialty Insurance $1460
USAA - Garison Property $1484
Texas Farmers Insurance $1567
United Services Auto Assn $1576
United Propoerty and Casualty $1593
Homesite Insurance $1628
Kemper Insurance $1636



The Most Popular Home Insurance Providers in Waco, Texas

Provider Annual Insurance Rate
Liberty Insurance $3696
Nationwide $1996
State Farm $2128
Texas Farmers Insurance $1567



Does credit score affect Waco home insurance rates?

Credit Score Average Annual Insurance Rate
bad $2925
average $2300
good $1994
Yes! Your credit rating can impact the price you pay for Waco homeowners Insurance up to $931 per year. Our analysis shows Waco home insurance shoppers with poor credit will pay up to 47% higher rates than shoppers with good credit. Poor credit shoppers will pay rates that are 31% 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 Waco home insurance rates?

Construction Type Average Annual Insurance Rate
frame $2075
Stucco/Hardie $1931
Brick Veneer $1837
Your home construction style may also impact the price you pay for Waco homeowners Insurance up to $238 per year. Waco 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 5% higher rates than homes made with Brick Veneer.


Is homeowners insurance higher for older homes in Waco?

Residence Age Average Annual Insurance Rate
1 Year(s) Old $1352
10 Year(s) Old $1837
35 Year(s) Old $2112
Your home age impacts the price you pay for Waco homeowners Insurance up to $760 per year. Waco home insurance shoppers with older homes pay 56% higher rates than new homes while homeowners with homes less than 30 years old will pay 36% higher rates than new construction homes.