Check out the most popular Home Insurance agencies & companies in Galveston, TX & compare the best quotes from them.

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Cost of Home Insurance in Galveston, TX

The average cost of home insurance in Galveston, Texas, is $1415.07. Property damage is something that can occur regardless of the area of residence. Whether it is due to a natural disaster like a flood or earthquake or human error caused by accidental fire or theft, these factors make your property vulnerable. Home insurance will help you restore your house and its contents if any unexpected situation arises.

Residents of Galveston can consider different types of home insurance policies as per their needs and requirements. Before that, acknowledge the types of losses covered under home insurance to protect yourself from any future financial loss you might have to incur.

Below are a few affordable home insurance providers in Galveston, TX.


Factors influencing home insurance in Galveston, TX:

1. Homeowners insurance rates by coverage levels 

2. Homeowners insurance rates by deductibles

3. Homeowners insurance rates by materials used

4. Homeowners insurance rates by the number of claims

Residents living near a river or a designated flood zone can witness high insurance rates in such areas. Galveston has a history of hurricanes and storms because of which homeowners can notice high home insurance in Galveston, Texas. There are specific alternatives that can reduce the cost of home insurance in Galveston, TX. Refer to the factors below to know more.

Homeowners insurance in Galveston - Rates by coverage levels

When a hurricane hits Texas, the results can be devastating. If you experience hurricane damage in your home, be sure you're covered. Not all homeowners insurance policies cover hurricane and tropical storm damage. Homeowners of Galveston have to take flood insurance or wild storm insurance separately. Galveston homeowners typically opt for coverage of $200K where they pay $1879 towards their home insurance in Galveston, Texas.

Here are a few coverage options offered by the insurance providers in Galveston, TX.


Homeowners insurance in Galveston - Rates by deductibles

Homeowners in Galveston paying a high-deductible plan can lower their premiums and make it affordable to protect their homes. If a severe storm or fire damages your home, pre-set funds in your savings account can cover up to the remaining balance to cover repairs and rebuilding expenses. Homeowners can customize their homeowners insurance policy in Galveston by selecting a deductible that works for them. For example, homeowners who opt for a deductible of 500 pay $1399 on home insurance in Galveston, whereas homeowners who opt for a high deductible of 2500 pay $1017.


Homeowners insurance in Galveston - Rates by materials used

A residence is a long-term investment for you and your family. Durable construction materials help expand the lifespan of a house. They protect the home from natural disasters such as fires, floods, and regular structural damage.

For instance, homeowners who use Masonry and Superior brick materials to construct their homes pay $1345 and $1288, respectively, on homeowners insurance in Galveston, Texas.

Homeowners insurance in Galveston - Rates by number of claims

Without a claim history, homeowners in Galveston are eligible for an exclusive discount on home insurance rates in Galveston, Texas.

The policyholders with zero claims can purchase their policy for as low as $1217 in Galveston, TX. The premium is higher for policyholders with one or two claims. These homeowners pay around $1529 and $1585 on their homeowners insurance in Galveston, respectively.

Top Home Insurance Companies in Galveston, TX

Home Insurance Company A.M. Best Financial Strength Rating Homeowners Insurance Market share
State Farm A 19.55%
Allstate A+ 13.08%
GEICO A++ 10%
Travelers A++ 4.01%
Nationwide A+ 2.47%

Top GEICO Home Insurance Agents in Galveston, TX

Homeowners Insurance Agents Agent Address Contact Details
David Ber 5819 Highway 6 South

Top State Farm Home Insurance Agents in Galveston, TX

Homeowners Insurance Agents Agent Address Contact Details
Bill Ruch 9330 Broadway St Ste 426
Curt Van Oort 9611 Hillcroft Street
Tony Gervasi 804 Vista Road
Freddie Villacci Jr. 6025 Heards Ln 77551
(409) 740-1251
Harry Collins 7930 Broadway St Ste 104
(832) 754-6233
Roni Siegel 6600 Harwin Dr Ste 150 77036
(713) 787-9090
Ken Visser 1110 NASA PKWY STE 102 77058
Stacy Pritchard Jr 3037 W Hwy 6 77511
Erik Morton 9660 Hillcroft St Ste 230 77096
(713) 726-8500
Steve Pollack 28 Circle Way 77566

Top Allstate Home Insurance Agents in Galveston, TX

Homeowners Insurance Agents Agent Address Contact Details
Ronald Woods 6809a Chimney Rock Rd
(713) 838-0746
Thomas Walter 302 S Gordon
Ross Shales 201a That Way St
(979) 297-6331
Christopher Leuckel 3401 Louisiana St Ste 330
Don Rowan 120 Circle Way St Ste 1C
(979) 297-5100
An Phan 1001 Pineloch Dr Ste 400
Assured Nl Ins Agy 11811 East Fwy Ste 120
Deanne Putman 711 W Bay Area Blvd Ste 212
(832) 567-0431
Linda Brady 3356 HIGHWAY 6
Dick Hannah Insurance Agency 400 E House St
(281) 388-2754

Top Nationwide Home Insurance Agents in Galveston, TX

Homeowners Insurance Agents Agent Address Contact Details
Michael A Burke 6301 Jensen Dr
(713) 694-4662
Michael B Bruce 11135 S Post Oak Rd Ste E
(713) 728-9191
Garbe Assoc Llc 1095 W League City Parkway
(800) 581-2428
Roth & Reynolds Ins & Financial Services Inc 14615 Main St
(713) 721-1000
E Dean Nuckles Insurance Agency Inc 3130 Strawberry Rd Ste A
(713) 941-5700
Caforio Agency Llc 3453 Kirby Dr
Barry Alan Hunter 8610 Spencer Hwy Ste G
Morehead Agency Llc 314 CENTER ST
(281) 930-1600
Ken Witney Hastie Ii Agency 3222 BURKE RD STE 100
Dan Liberatore Agency 4110 Bellaire Blvd

Top Travelers Home Insurance Agents in Galveston, TX

Homeowners Insurance Agents Agent Address Contact Details
Wootten Insurance Agency 1703 Tremont (23 Street) 77550
(409) 356-4796
Ferguson & Mcguire Inc 700 S Friendswood Dr Ste G 77546
(281) 482-4483
Rundell & Armstrong Agency Inc 5819 Highway 6 Ste 120
(281) 499-2400
J A Leonard & Co Inc 2020 N MEMORIAL WAY
Harrison Insurance Inc 4502 Riverstone Blvd # 402
(281) 980-6200
First Heritage Fcu 302 Plantation Dr
(979) 709-0491
Hahira Insurance Agency 1926 El Dorado Blvd
(281) 488-7231
Celebration Pointe Insurance Agency Inc 5959 West Loop S Ste 450
Csb Insurance 75 Uvalde
Gilbert D Reitman 1200 Mckinney St Ste 309
(713) 658-0869

Homeowners Insurance Comparison for the Cheapest Premiums in Galveston, TX

Median Home Value ($) 168,140148,140168,140
Construction year 194819731998
Home Coverage ($) $100000-$125000$75000-$100000$50000-$75000
Total Premium ($) $1047$737$1126

Galveston, TX Multi Policy Discounts by Home Insurance Companies

Home Insurance Company Multi Policy Discount (%)
GEICO upto 20%
Allstate upto 16%
Nationwide upto 8%
Travelers upto 8%