This city is located on I-35 and the Brazos River about halfway between Dallas and Austin. Residents normally experience hot summers and mild winters, though the city has suffered through some major storms. If you are concerned about protecting your house and personal property from storms and other damage, you can find the Waco, TX homeowners insurance plans to meet your needs and risks.
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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
Most Waco homeowners insurance agents will not be able to give you accurate rate quotes without knowing something about your location, home and personal property. This information will affect your coverage amounts and policy options.
Waco Homeowners Insurance Coverage Types
There is usually a fairly consistent standard policy provided to most home owners. Coverage may consist of the following options that you are free to discuss with a local agent:
- Building Property
- Home Contents
- Liability Insurance
- Relocation Assistance or “Loss of Use”
You may also want to ask what things a basic policy will not cover.
For example, typical home policies do not cover flood damage.
Lake Waco, which sits inside city limits, was originally constructed to control the Brazos River from flooding. However, sometimes this reservoir does flood. The city also experiences flash floods as a result of heavy rains. You can ask your local agent about purchasing additional flood insurance.
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
Normally, the city experiences the long hot summers and fairly mild winters that characterize this part of Texas. However, the city is not immune to periodic natural threats from windstorms, heavy rains, hail, fires and even tornadoes, although the risk for tornadoes is low in Waco.
Theft in Texas
- National average for burglaries: 37,814
- Texas number of burglaries: 190,898
The local threat of burglaries is considered about average for the United States. While a basic home policy usually covers theft and vandalism, it would be wise to ask a local agent if coverage amounts are really sufficient to compensate you for loss and damage to your home and possessions.
Waco Home Insurance Quotes
Waco residents can contact a local Trusted Choice independent agent to find a new home policy or make sure that old coverage is still adequate. These agents can provide you with competitive rate quotes, suggest policy options, and offer personal service before and after a sale.