Replacement cost of the home which is determined by the type of building materials used to build the house, territory or zip code, your insurance history such as insurance score and claims history if any, and a few other factors depending on the company. Its always best to get a couple quotes and compare not just rates but also coverage. Some policies are broad form and some are special which are very different contracts. You really need to get some quotes from insurance agents and compare them. Its a bit of work but hopefully the company you get insured with is the one you keep for a while.
You can shop for insurance. I suggest you start with your current auto provider asking if they can give you a quote for homeowners. They may offer a discount if you purchase auto & homeowners from them.
Then you can call other insurance companies for additional quotes. Make sure you are comparing "apples to apples" with the same coverage & deductables.
Check out this site to compare insurance companies in Texas:
Elizabeth Morgan, Realtor
$135 per month seems reasonable to me.
You should always shop around tho. It depends on how big your home is and what deductable your policy has. it usually runs about 90-200 again depends on the size of your home and what area as well.
Get two other bid just to make sure your current price is competitive.
JP and Associate
You can shop for insurance so you might want to check with the provider you use for auto to see if they can offer a discount if you purchase homeowners and auto. The cost of the homeowners policy will depend on many things as stated below including the age and condition of the house. I would get quotes making sure you are comparing the same coverage & deductables "apples to apples"
& check out the companies online for customer satisfaction.
2. Insurance varies based on purchase price, personal content, credit scores and much more
Lynn911 Dallas Realtor & Consultant, Credit Repair Advisor
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