Homeowner Insurance Costs in Stephens County, TX
How much does homeowner insurance cost in Stephens County? Here's what to expect.
Est. Annual Premium
$539
Monthly Cost
$45
Median Home Value
$98,000
% of Income
1.2%
Typical Coverage Breakdown
Coverage Amounts
Dwelling (Coverage A)$98,000
Personal Property (C)$49,000
Liability (E)$300,000
Deductible$980
Cost Context
Homeownership Rate78.6%
Median Income$44,712
Property Tax Rate1.7%
Population9,260
About Insurance in Stephens County
Homeowner insurance in Stephens County, Texas costs an estimated $539 per year for a median-value home of $98,000. This represents approximately 1.2% of the median household income of $44,712.
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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