Homeowners quotes from 25+ companies, side by side, in Cleveland, TX, from Freedom Insurance Group.
Cleveland, TX: local context
About 7,858 people live in Cleveland, located in Liberty County.
Cleveland is part of the Liberty County area, where day-to-day insurance shopping is shaped more by home characteristics and carrier appetite than by any single landmark.
Local housing is a mix of single-family homes typical of the Liberty County area, but replacement cost, roof age, and construction type still drive most premium differences block by block.
North Texas homes are often rated for severe thunderstorms, hail, and tornado risk common across the Plains.
Home insurance pricing in Cleveland, TX
The typical homeowners insurance premium in Cleveland, TX is about $1,483 annually for a typical local home (typical local home value about $265,000). For a $300,000 dwelling, expect around $1,633 per year; for a $600,000 home about $2,298; and for a $1,000,000 dwelling about $2,990. Freedom Insurance Group rates are often about 38% lower — near $919 per year for a typical home, roughly $1,012 for a $300,000 home, about $1,425 for a $600,000 home, and around $1,854 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $1,270 |
| $200,000 – $300,000 | $1,419 |
| $300,000 – $400,000 | $1,742 |
| $400,000 – $500,000 | $1,972 |
| $500,000 – $600,000 | $2,195 |
| $600,000 – $700,000 | $2,370 |
| $700,000 – $800,000 | $2,515 |
| $800,000 – $900,000 | $2,705 |
| $900,000 – $1,000,000 | $2,895 |
Band premiums are midpoints on the Cleveland dwelling curve (typical local home value about $265,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Cleveland, TX, using a typical local home value of about $265,000. Freedom figures apply an approximate 38% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Homeowners coverage basics
- Dwelling (A): This is the limit that pays to rebuild your home’s structure after a covered loss, and it should track current reconstruction costs in your area.
- Other structures (Coverage B): Sheds, fences, detached garages, and the like not attached to the home fall here.
- Personal property (Coverage C): This coverage protects furniture, clothing, and everyday belongings inside the home, with special limits that may apply to higher-value categories.
- Loss of use (Coverage D): If a covered claim forces you out during repairs, this coverage helps with additional living expenses.
- Personal liability (Coverage E): When you are found legally liable for bodily injury or property damage to others from a covered event, it applies.
- Coverage F, medical payments: This coverage can help with guest medical bills for injuries that happen on your property, often without needing a formal liability claim.
Homeowners discounts in Cleveland, TX
| Discount | What it means | Typical amount |
|---|---|---|
| New Home | New construction recently purchased | up to 40% |
| Age of home (5 yrs) | Newer homes | up to 26% |
| Bundle | Home and auto together | up to 25% |
| Upgrades | Electrical, plumbing, heating, roof updates | up to 20% |
| Hail-resistant roof | Class 1–4 impact roof | up to 12% |
| Claims-free | Multi-year claims-free history | up to 5% |
| Security / alarms | Monitored fire or burglar alarm | up to 4% |
| Paid in full | Pay annual premium upfront | up to 7% |
Every insurer decides its own discounts and amounts. “Up to” is the high end, not a guaranteed amount.
How Cleveland home insurance premiums differ
Several factors determine a Cleveland home premium, and carriers look at all of them before quoting. Deductible choice and past claims can change the final price as much as the carrier brand itself, but rebuild cost, roof age and material, and storm or wildfire exposure usually move the number most.
Replacement cost is what it would take to rebuild the home with like-kind materials at today’s labor and material prices. The maximum payout tracks the rebuild estimate, which is why bigger estimates on Cleveland homes usually mean a higher price.
Frame or masonry walls, the roofing material, and overall build quality all shape how the property fares in the wind, hail, and fire common across Texas, which is why construction type and roof details matter too.
Location risk captures storm, hail, wildfire, and crime scores that can change by ZIP code and neighborhood within Cleveland, so two homes with similar rebuild costs might still quote differently.
Underwriters rate fire protection using protection class and the distance to hydrants and stations; a stronger profile usually means a better rate.
A recent claim on the property or by the household can raise the price for Cleveland renewals as well as new policies, since claims history still weighs heavily.
Many insurers weigh a credit-based insurance score when state rules permit; a better score usually means a lower premium.
Cleveland, TX bundling home and auto
The amounts shown show average bundling savings, not a promise. Actual savings depend on carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Cleveland, Texas | $258 | $436 | $636 |
What public data says about Cleveland homes
The Census Bureau’s 2020–2024 American Community Survey counts about 3,207 housing units in Cleveland, and homeowners occupy about 63% of the occupied homes. By structure type, 59% are detached single-family houses, 23% are in buildings with two or more units, and 18% are mobile homes.
Since 2000, Liberty County has appeared in 16 major disaster declarations; the latest was Hurricane Beryl (July 2024).
Tornadoes are part of the picture too: NOAA recorded 2 tornadoes starting within 10 miles of Cleveland between 2016 and 2025, with the strongest at EF1 during May 2021.
Cleveland’s median year built is 1984. Roughly 41% of homes were built before 1980, which means system and roof updates are worth documenting for a quote.
FEMA’s National Risk Index flags tornado (“Relatively High”) and hurricane (“Relatively Moderate”) in Liberty County.
Named communities and subdivisions in USGS place-name records near Cleveland include Grady, Bendetsen, and Nimrod. Each area can price differently based on build era, roof, and fire protection.
NOAA storm records show 2 hail reports within about 6 miles of Cleveland from 2016 through 2025; 0 were one inch or bigger. Top size measured 0.88 inches in December 2024.
Home heating in Cleveland runs mainly on electricity (69%) and utility gas (28%).
By the historical record, Cleveland was incorporated in 1935. Census counts put Cleveland at 7,605 residents in 2000 and 7,675 in 2010, and the Census Bureau’s July 2024 estimate is 9,757. Growth since 2000 comes to roughly 28%.
Earlier hail records help too: NOAA’s Storm Prediction Center counts 19 hail reports within 5 miles of Cleveland between 1955 and 2015, topped by hail of 4 inches on May 25, 2011. Reports of 2-inch or bigger hail number 3 in that span. The NOAA Storm Prediction Center database shows 10 tornadoes that began within 10 miles of Cleveland from 1950 through 2015, the strongest an F3 on October 22, 1957.
Shopping around the area? Nearby home insurance pages: Splendora (9 mi), Conroe (24 mi), and Dayton (24 mi).
Cleveland-area ZIP codes we insure
77327
