Compare homeowners insurance quotes in Ingleside, TX with Freedom Insurance Group. We check 25+ carriers and help you match coverage to the home or vehicles you really own.
Average homeowners insurance cost in Ingleside, TX
| Home value tier | Market est. | FIG illustrated |
|---|---|---|
| Typical local home (~$255,000) | $2,005 | $1,263 |
| $300,000 dwelling | $2,272 | $1,431 |
| $600,000 dwelling | $3,197 | $2,014 |
| $1,000,000 dwelling | $4,160 | $2,621 |
The typical homeowners insurance premium in Ingleside, TX is about $2,005 annually for a typical local home (typical local home value about $255,000). For a $300,000 dwelling, expect around $2,272 per year; for a $600,000 home about $3,197; and for a $1,000,000 dwelling about $4,160. Freedom Insurance Group rates are often about 37% lower — near $1,263 per year for a typical home, roughly $1,431 for a $300,000 home, about $2,014 for a $600,000 home, and around $2,621 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $1,766 |
| $200,000 – $300,000 | $1,974 |
| $300,000 – $400,000 | $2,424 |
| $400,000 – $500,000 | $2,744 |
| $500,000 – $600,000 | $3,054 |
| $600,000 – $700,000 | $3,298 |
| $700,000 – $800,000 | $3,499 |
| $800,000 – $900,000 | $3,763 |
| $900,000 – $1,000,000 | $4,027 |
Band premiums are midpoints on the Ingleside dwelling curve (typical local home value about $255,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Ingleside, TX, using a typical local home value of about $255,000. Freedom figures apply an approximate 37% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
A closer look at Ingleside, TX
Roughly 9,695 people live in Ingleside and lies within San Patricio County.
Ingleside is located in the San Patricio County area, where day-to-day insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
Homes are mostly single-family houses typical of the San Patricio County area; rebuild cost, roof age, and construction still explain most premium differences from street to street.
Homes in North Texas are often rated for severe thunderstorms, hail, and tornado risk common across the Plains.
What moves home insurance rates in Ingleside
A Ingleside home insurance price rests on a set of related inputs underwriters weigh as a group. Count on rebuild cost, roof age and material, and local storm or wildfire exposure to drive most of the price. The deductible you pick and your claims record can swing the final premium about as much as the carrier brand.
Replacement cost is the cost to rebuild the home with comparable materials at today’s prices for labor and supplies. Because the carrier’s maximum payout grows with the rebuild estimate, bigger estimates for Ingleside properties tend to push up premiums.
Frame or masonry walls, what the roof is made of, and how well the house is built all influence how the home holds up in Texas’s wind, hail, and fire events, which is why construction type and roof details matter too.
Two Ingleside homes with matching rebuild costs can still price differently due to location risk: storm, hail, wildfire, and crime scores that change by ZIP code and neighborhood.
Underwriters score fire protection using protection class and the distance to hydrants and stations; better protection usually means a better rate.
Claims filed lately on the property or by the household can raise rates on Ingleside renewals and new quotes alike, since claims history is a big rating factor.
Certain companies look at a credit-based insurance score where permitted; higher scores generally bring lower prices.
Savings opportunities for Ingleside, TX homeowners
| 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% |
Discounts and their size differ from carrier to carrier. Treat “up to” as the ceiling, not a promise.
Homeowners policy coverages, A through F
- Dwelling (Coverage A): After a covered loss, this limit covers rebuilding the house itself; make sure it tracks current local reconstruction costs.
- Coverage B, other structures: Sheds, fences, detached garages, and the like that stand apart from the house are covered here.
- Coverage C, personal property: Covers the contents of the home: furniture, clothing, and everyday items. Higher-value categories often carry sublimits.
- Loss of use (Coverage D): While a covered loss keeps you out of the home, it can cover the extra living costs.
- Personal liability (Coverage E): This coverage responds when you are legally responsible for harm to other people or their property resulting from a covered incident.
- Medical payments (Coverage F): Medical bills for guests injured on your property, often paid without a formal liability claim.
Ingleside, TX bundling home and auto
The figures below illustrate average bundle savings, not a quote. Actual savings come down to the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Ingleside, Texas | $258 | $436 | $636 |
What public data says about Ingleside homes
The National Risk Index from FEMA shows elevated ratings for tornado (“Relatively Moderate”) and hurricane (“Relatively High”) in San Patricio County.
Half of Ingleside’s homes were built in or before 1992. Roughly 32% of homes predate 1980, which means electrical, plumbing, and roof upgrades can change eligibility and price.
The Census Bureau’s 2020–2024 American Community Survey counts about 4,394 housing units in Ingleside, and owners occupy close to 63% of the occupied homes. By structure type, 69% are detached single-family houses and 30% are in buildings with two or more units.
Since 2000, San Patricio County has appeared in 13 major disaster declarations; the latest is Hurricane Beryl (July 2024).
NOAA’s Storm Events Database lists 5 hail reports within about 6 miles of Ingleside from 2016 through 2025 (4 at one inch or more). Top size measured 1.75 inches in November 2025 near Ingleside.
The USGS GNIS lists these named communities and subdivisions in and around Ingleside: Wendy Acres Colonia, Garza-4th-6th Streets Colonia, Indian Trails Lane Colonia, Kenney Lane West Colonia, Kenney Lane East Colonia, and Morgan Lane Colonia. Older and newer sections can quote differently because of construction era and roof condition.
For heat, Ingleside households mostly rely on electricity (91%) and utility gas (7.9%).
Ingleside’s population went from 9,388 at the 2000 Census to 9,387 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 10,155. Numbers have held fairly steady since 2000.
Older NOAA hail logs add more history: NOAA’s Storm Prediction Center counts 8 hail reports within 5 miles of Ingleside between 1955 and 2015, topped by hail of 1.5 inches on January 9, 2011. NOAA Storm Prediction Center records list 22 tornadoes that began within 10 miles of Ingleside from 1950 through 2015, the strongest an F2 on October 23, 1953.
Shopping around the area? Nearby home insurance pages: Portland (8 mi), Port Aransas (8 mi), and Corpus Christi (8 mi).
ZIP codes we insure in and around Ingleside
78362 · 78336
More Texas coverage pages
Ingleside, TX homeowners quotes
Ingleside homeowners get a comparison of 25+ carriers with Freedom Insurance Group. Phone (800) 253-1482 or request a home quote online.
