Laredo Homeowners Insurance

Learn how to find the right homeowners insurance for you.

This West Texas city lies on the banks of the Rio Grande, just across the border from Nuevo Laredo. It is also one of the Lone Star State’s oldest cities, founded as a Spanish settlement in the 1700s. If you own a house in this historical, but modern city, consider comparing Laredo, TX homeowners insurance plans and rate quotes.

Independent agents in the Trusted Choice® network have offices right in the city to assist you in person. One of these local agents can answer your questions and provide Laredo home insurance quotes from multiple insurers for you to compare. Find a member agent today to get great service, free competitive quotes, and custom-tailored coverage.

Cost of Homeowners Insurance in Texas

  • National yearly premium average: $1,034
  • Texas yearly premium average: $1,661
  • 3rd most expensive premium in the US

In order to figure out how much your own Laredo homeowners insurance should cost, compare a variety of free quotes from local insurers with the help of your independent agent. Rates are difficult to predict and are based on a variety of factors, which can include your home’s age, value, and the condition of your property.


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What Does Laredo Homeowners Insurance Cover?

Even though every home owner's home and insurance needs differ, there are fairly standard coverage options included in every policy. When you meet with your agent, be sure to discuss the details of your coverage options to ensure that you get the complete coverage you need.

A typical Laredo homeowners insurance policy will cover:

  • Your home and other buildings on your property.
  • Your home contents, up to the limits of your personal property coverage. Note that you may need additional personal property coverage or endorsements to cover your valuables and jewelry.
  • Liability insurance to cover accidents that occur on your premises.
  • Relocation assistance or “loss of use” coverage if your home needs to be repaired or rebuilt after a disaster such as a home fire.

Note that some types of incidents are routinely excluded from basic coverage. For example, the Rio Grande can be a source of flooding, and floods are not included in home insurance policies. However, a local independent agent can help you find flood insurance to further protect your home.

Number of Catastrophes in Texas and the US

  • National number of catastrophes: 19,033
  • Number of catastrophes in Texas: 1,935
  • National number of tornadoes: 1,233
  • Number of tornadoes in Texas: 221
  • National property damage from weather: $5,511,270,000
  • Property damage from weather in Texas: $1,026,150,000

Laredo has a dry and semi-arid climate. Summers are usually long, sunny, and hot. Winters are slightly cooler, but are typically warm compared to other areas of the U.S.

Laredo itself does not suffer the hardship of many tornadoes. However, the city experiences occasional freezes, floods, and even a rare hail or snow storm. It may be wise to make sure your house is protected against a variety of natural hazards.


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Our independent agents shop around to find you the best coverage.

Theft in Texas

  • National average for burglaries: 37,814
  • Texas number of burglaries: 190,898

This city has an average crime rate compared to other U.S. cities, which means you’re no more likely to have a break-in than the next person, but these incidents do happen.

To protect your house from thieves and vandals, you can take a couple of steps, including installing burglar and fire alarms. Burglar alarms have been demonstrated to reduce burglary claims. You may be able to deter a criminal before any damage is done. Taking measures to protect your home will provide peace of mind. Additionally, many insurers offer discounts on home insurance for those who implement certain safety measures.

Laredo Home Insurance Quotes

Protecting your home is a multi-pronged process involving safety and security measures and excellent insurance coverage that can cover you financially when an incident happens. A local independent agent in the Trusted Choice network can provide a range of comparative Laredo home insurance quotes from multiple companies, and answer all of your questions.

Make sure your home is properly covered by contacting a local member agent about Laredo homeowners insurance today.

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