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Ross Martin

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How to find affordable homeowners insurance in Laredo

Home insurance should be a critical consideration for every homeowner. Along with personal property, homeowners insurance covers your dwelling in the event of many perils, including theft, fire, wind damage, and vandalism. Incidents like this occur often. When paired with the high cost of repairing or rebuilding a house, purchasing homeowners coverage can be a smart move. Home insurance costs an average of $175 per month in Laredo, Texas. This is well above the national average price of home insurance.

What you pay for homeowners insurance depends on myriad factors, including the value of the dwelling, the value of your personal items, and the materials used to construct the home. The location of your home can also influence how much you pay for homeowners insurance. Some areas are more susceptible to perils like fire, hail, frozen pipes, volcanoes, or other hazards. These can make your insurance policy even more expensive. Find out more info about what your homeowners insurance policy covers.

If you want to find inexpensive home insurance in Laredo, start with looking around and comparing policies. Have a look at the summary below comparing average home insurance rates in Laredo to help you get as much information as possible when you start your search for homeowners insurance. Remember: your homeowners insurance rates may vary based on your coverage limits and other factors.

Table of contents:
  1. Rates by insurer
  2. Rates by coverage amount
  3. Rates by ZIP code
  4. Rates by deductible amount
  5. Policy bundling savings


Laredo home insurance by company

What you pay for homeowners insurance in Laredo will depend on the insurance company you get your policy through. The most inexpensive home insurance in Laredo comes from Texas Farmers. Laredo's average annual homeowners premium is $2,106. 

Have a look at the cheapest insurance companies in Laredo, Texas below. Then, see our list of which home insurance carriers rank best for customer satisfaction to decide which one works best for your needs and budget. 

Company Average Annual Rate
Texas Farmers $170
United $955
ASI Lloyds $1,316
Safeco $1,594
USAA $2,175


Laredo homeowners insurance prices by coverage level

The level of home coverage you select has an impact on your insurance rates. Homeowners in Laredo who carry $200K in dwelling coverage pay an average of $1,476 per year, while those with coverage up to $400K pay around $2,701 per year.

Coverage Level Average Annual Rate
$100K Dwelling $1,005
$200K Dwelling $1,476
$250K Dwelling $1,862
$400K Dwelling $2,701


Laredo home insurance rates by ZIP code

Not every area of Laredo has equal home insurance costs. Policies are often priced on local variables such as the number of claims filed in the immediate area, meaning the neighborhood in which you live could have a major impact on how much you pay to insure your home.

If you're looking for the cheapest homeowners coverage in Laredo, take a look at the 78045 ZIP code. In the 78045 area, homeowners policies typically cost just $2,013 on average, which is a full $92 less than the Laredo average. The below table shows the best places to live in Laredo if you’re looking for affordable homeowners insurance.

ZIP Code Average Annual Home Insurance Rate
78045 $2,013
78040 $2,018
78041 $2,024

Other areas of Laredo, it should be noted, face homeowners rates that are higher than the city average. Property crime rates, fire risk, and even your proximity to emergency services such as fire and police stations could impact rates the risk level of certain parts of the city, which has the potential to drive up area rates. With an annual average premium of $2,908, 78049 comes in as the costliest ZIP code in Laredo for homeowners coverage.

ZIP Code Average Annual Home Insurance Rate
78049 $2,908
78043 $2,029
78046 $2,026


Laredo homeowners insurance deductibles

One of the multiple decisions available when shopping for a homeowners policy is where to set your deductible. A deductible is the total dollar amount that the insured must contribute toward a covered loss. Where you choose to set your homeowners deductible is linked to how much you pay in insurance premiums.

When picking a deductible, bear in mind that the higher your deductible is, the lower your premiums will be. This means that those aiming for lower home insurance costs will want to think about getting a higher deductible. Remember that your deductible should only be as high as you can reasonably pay in the event of a covered loss.

Below you'll find some common deductibles offered on most home policies and average insurance costs.

Deductible Level Average Annual Homeowners Insurance Rate
$500 $1,976
$1,000 $1,862
$1,500 $1,801
$2,000 $1,679
$5,000 $1,450


Home and auto insurance bundling in Laredo

You might want to consider bundling your auto and home insurance policies through the same company if saving money is one of your concerns. Bundling your homeowners and auto insurance is one way to save substantially on your monthly car insurance premiums. Bundling policies in Laredo could, in fact, lead to average annual savings of 7%.

Company Avg. Annual Auto Insurance Rate (With Bundle)
State Farm $1,171
USAA $1,308
Allstate $1,989
Progressive $2,068
GEICO $2,663

Compare quotes on Laredo, TX home insurance today!

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.