Updated: December 15, 2024
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In Killeen, T.X., Chubb is both the best overall and cheapest choice for home insurance. If customer service is your priority, however, Amica is the best option.
These companies cater to different needs and choosing the best cheap home insurance depends on individual preferences, like affordability, customer service or coverage options.
Best HomeInsuranceKilleen, TXTable of Contents
Why Trust MoneyGeek? We used data from Texas' Department of Insurance and Quadrant Information Services to find the best homeowners insurance in Killeen, relying on data and industry standards.
In Killeen, the rates for home insurance represent the most competitive offers as of September 2024.
MoneyGeek found that Chubb is the best option in Killeen, T.X., for home insurance with $100K dwelling coverage, with a score of 96 out of 100.
The scores for home insurance companies in Killeen range from 33 to 96. These figures reflect MoneyGeek's scoring system, meaning insurers may receive different scores based on factors like credit history and the age of your home.
| Chubb | 96 | $1,141 |
| Amica | 84 | $1,796 |
| Farmers | 78 | $1,554 |
| Nationwide | 77 | $1,970 |
| State Farm | 67 | $2,335 |
| ASI | 44 | $3,028 |
| IAT Insurance Group | 37 | $2,855 |
MoneyGeek found that Chubb is the best option in Killeen, T.X., for $100K dwelling coverage. The two best overall home insurance companies in Killeen for $100K dwelling coverage are:
Chubb stands out as the best home insurance provider because it offers a good balance of affordability and customer satisfaction, making it a strong choice for many residents.
In Killeen, T.X., several companies offer home insurance with different cost and service experiences. While cost is an important factor, consider other aspects like customer satisfaction and coverage, as these become crucial when filing claims.
Chubb is the best overall company with high scores in affordability and satisfaction. It offers comprehensive home insurance coverage, including guaranteed replacement cost and building ordinance or law insurance coverage. It also provides new home and home renovation discounts; for example, you can get a discount if your home is 10 years old or less.
Chubb's coverages are useful for Killeen homeowners. It offers a cash settlement payout if you choose not to rebuild. Its coverages provide valuable protection for your home.
MoneyGeek found that Amica provides the best customer service in home insurance in Killeen, T.X., for $100K dwelling coverage.
Amica shines as the top provider due to its high customer satisfaction and competitive coverage score. These elements push it ahead of the competition, making it a top choice for customers prioritizing excellent service alongside well-rounded policy advantages. It ensures peace of mind with its dedicated support, quick response times and reliable offerings.
Amica is the best for service quality, thanks to its high customer satisfaction and coverage scores. It offers comprehensive home insurance with guaranteed replacement costs and sewer or drain backup insurance coverage. You can also save with discounts for being continuously insured for at least two years and for setting up automatic payments.
Its guaranteed replacement cost helps rebuild your home if costs go over your policy limit. The sewer or drain backup covers water damage from backups. It also offers scheduled personal property to protect valuable items like jewelry.
MoneyGeek found that Chubb is the best cheap home insurance option in Killeen, T.X., for $100K dwelling coverage. The top two best cheap insurance providers for $100K dwelling coverage are:
Chubb stands out due to its high customer satisfaction score and coverage options. Opting for cheap home insurance usually means choosing lower coverage, which can be easier on your wallet but might not be enough if something happens.
In instances where saving on premiums is a priority, considering the cheapest homeowner insurance companies may be beneficial. The best cheap differs from the cheapest home insurance by balancing affordability with other benefits like satisfaction, and Chubb happens to balance both.
Chubb is the best cheap company with a high MoneyGeek score of 98. It offers comprehensive home insurance coverage, including guaranteed replacement cost and building ordinance or law coverages. It also provides discounts for new homes and home renovations; you can get a discount if your home is 10 years old or less.
These savings make it a great option for homeowners. Its coverages, like cash settlement and risk consulting, are valuable for protecting your home and ensuring you have the support you need in case of a loss.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 23, 2024
Many factors influence homeowners insurance in Killeen, and location is one. Comparing rates is key to finding savings, but it often takes a considerable amount of time, about 15 minutes per company. Comparing at least three can mean over an hour of research.
Use MoneyGeek's home insurance calculator to streamline this process by focusing on key factors. Just enter your age, coverage, credit score, deductible and liability to estimate rates.
MoneyGeek determined that Chubb offers the cheapest homeowners insurance in Killeen, T.X. The primary element that affects home insurance premiums is the dwelling coverage you select.
Chubb is the top choice in Killeen due to its budget-friendly cost and high score. Farmers provides good prices for both $250K and $500K coverage, achieving leading rankings in both. Opting for the cheapest homeowners insurance in Texas is a smart way to manage expenses effectively.
| Chubb | $1,141 |
| Farmers | $1,554 |
| Amica | $1,796 |
| Nationwide | $1,970 |
| State Farm | $2,335 |
| IAT Insurance Group | $2,855 |
| ASI | $3,028 |
MoneyGeek found that Farmers is the cheapest option in Killeen, T.X., for high-value homes with $750K and $1M dwelling coverage. High dwelling coverage is essential because homes that cost more to replace have higher home insurance costs.
Farmers stands out as the cheapest, but it is also rated the best for high-value homes.
| Farmers | $4,518 |
| Chubb | $6,971 |
| Nationwide | $8,001 |
| State Farm | $8,030 |
| Amica | $10,239 |
| IAT Insurance Group | $12,737 |
| ASI | $13,146 |
Nationwide offers the cheapest annual premium for new homes in Killeen, Texas.
Nationwide's low cost for $100K dwelling coverage makes it the best choice for new homes in Killeen, T.X. While it stands out as the most affordable, consider other details when deciding if it's the best choice overall. Always make sure you are adequately covered by your home insurance policy.
| Nationwide | $548 |
| Chubb | $818 |
| Farmers | $1,035 |
| State Farm | $1,057 |
| Amica | $1,248 |
| ASI | $1,294 |
| IAT Insurance Group | $1,317 |
The best cheap homeowners insurance providers balance quality and cost, offering great customer service and coverage with affordable premiums. In Killeen, the best cheap homeowners insurance depends on your needs.
Consider factors like coverage options, customer service and financial stability to get the best cheap home insurance option for your home.
To determine how much home insurance coverage you need, consider the unique aspects of your home in Killeen, T.X. Calculate rebuilding costs, the value of your belongings and liability requirements.
Investigate insurance companies operating in Killeen. Focus on those with solid financial backing, positive customer reviews and a history of reliable service.
Once your coverage needs are clear, compare home insurance quotes. In Killeen, T.X., premiums for $100K dwelling coverage can range from $1,141 to $2,855 annually.
Inquire with each provider about potential discounts, such as those for bundling policies, having safety features or maintaining a claims-free record.
Opting for a higher home insurance deductible can reduce your premium, but ensure it's an amount you can afford if a claim arises.
Adding security systems and sturdy locks can lower the risk profile of your home, potentially reducing insurance costs.
A good credit score can influence your insurance rates in Killeen, T.X. Make timely bill payments and reduce outstanding debts.
Consider combining your homeowners insurance with other policies like auto insurance. This can result in considerable discounts and savings.
The best cheap home insurance provider in Killeen depends on your coverage needs and budget. Get answers to some of the most commonly asked questions about the best cheap insurance rates in Killeen, Texas.
The average cost of home insurance in Killeen is $1,291, lower than the $5,171 average cost of homeowners insurance in Texas.
The cheapest home insurance company in Killeen, Texas, is Chubb, with an annual premium of $1,141.
The best home insurance in Texas for Killeen residents is provided by Chubb, with a MoneyGeek score of 96 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
