Homeowner Insurance Costs in Smith County, TX
How much does homeowner insurance cost in Smith County? Here's what to expect.
Est. Annual Premium
$1,108
Monthly Cost
$92
Median Home Value
$201,400
% of Income
1.6%
Typical Coverage Breakdown
Coverage Amounts
Dwelling (Coverage A)$201,400
Personal Property (C)$100,700
Liability (E)$300,000
Deductible$2,014
Cost Context
Homeownership Rate68.7%
Median Income$69,053
Property Tax Rate1.3%
Population234,667
About Insurance in Smith County
Homeowner insurance in Smith County, Texas costs an estimated $1,108 per year for a median-value home of $201,400. This represents approximately 1.6% of the median household income of $69,053.
Actual premiums depend on your home's age, construction type, claims history, credit score, proximity to fire stations, and specific peril exposures. Use our calculator for a personalized total cost of risk analysis with peril-by-peril breakdown.
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