Longview households can compare homeowners coverage without the hassle through Freedom Insurance Group. Request a quote online or phone (800) 253-1482.
Home insurance premiums in Longview, TX
| Scenario | Market estimate | FIG illustrated (37% less) |
|---|---|---|
| Typical Longview home (~$202,600) | $1,348/yr | $849/yr |
| $300,000 dwelling | $1,633/yr | $1,029/yr |
| $600,000 dwelling | $2,298/yr | $1,448/yr |
| $1,000,000 dwelling | $2,990/yr | $1,884/yr |
The typical homeowners insurance premium in Longview, TX is about $1,348 annually for a typical local home (typical local home value about $202,600). 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 37% lower — near $849 per year for a typical home, roughly $1,029 for a $300,000 home, about $1,448 for a $600,000 home, and around $1,884 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 Longview dwelling curve (typical local home value about $202,600). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Longview, TX, using a typical local home value of about $202,600. 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.
Home insurance price factors in Longview
A Longview home insurance price rests on a set of connected factors underwriters weigh side by side. Rebuild cost, roof age and material, and local storm or wildfire exposure usually move the price the most, while deductible choice and claims history can change the final premium as much as the carrier brand itself.
Rebuilding the home in comparable materials at today’s labor and supply prices sets what replacement cost measures. Higher rebuild estimates for Longview properties generally raise premiums since the carrier’s maximum payout increases with that figure.
Frame or masonry walls, the roof covering, and how well the house is built each affect how a house performs in the wind, hail, and fire common across Texas, which is why construction type and roof details carry weight.
Similar Longview houses with matching rebuild costs may still get different quotes thanks to location risk: storm, hail, wildfire, and crime scores that vary by ZIP code and neighborhood.
Underwriters score fire protection using protection class and hydrant and station distance; better protection usually means lower pricing.
Recent claims on the house or by anyone in the household can raise the price whether a Longview policy is renewing or new, because claims history is a big rating factor.
In states that allow it, carriers may use a credit-based insurance score, and a better score tends to bring a lower premium.
What makes Longview, TX different
About 82,287 people live in Longview and sits in Gregg County.
Longview sits in the Gregg County area, and there day-to-day insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
Housing here is largely single-family homes typical of the Gregg County area, but replacement cost, roof age, and construction type still explain most premium differences from street to street.
Carriers rating North Texas homes commonly factor in severe thunderstorms, hail, and tornado risk common across the Plains.
Savings opportunities for Longview, 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% |
Not every carrier offers every discount, and sizes vary. Treat “up to” as the ceiling, not what everyone gets.
Coverage basics for homeowners
- Dwelling (Coverage A): Following a covered loss, this coverage covers rebuilding your home’s structure; make sure it tracks current local reconstruction costs.
- Other structures (B): This handles anything detached from the main house, for example a garage, shed, or fence.
- Personal property (C): Furniture, clothing, and the other things you own inside the house are covered here, though special limits can cap higher-value categories.
- Loss of use (D): It can help pay additional living expenses when a covered claim makes the home unlivable for a while during repairs.
- Coverage E, personal liability: Coverage for times when you are legally responsible for injuries to others or damage to their property arising from a covered event.
- Coverage F, medical payments: This helps with guest medical bills for injuries that happen on your property, often without requiring a formal liability claim.
Home-and-auto bundles in Longview, TX
The figures below are illustrated averages for bundling, not a guaranteed quote. Actual savings vary with the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Longview, Texas | $258 | $436 | $636 |
Longview homes by the numbers
Tornado history matters here as well: NOAA logged 7 tornadoes starting within 10 miles of Longview over 2016–2025, the strongest rated EF1 during May 2017.
Half of Longview’s homes were built in or before 1978. About 55% of homes were built before 1980, so wiring, plumbing, and roof updates are worth documenting for a quote.
Since 2000, Gregg County has appeared in 9 major disaster declarations; the latest was Hurricane Beryl (July 2024).
Named communities and subdivisions in USGS place-name records near Longview include Greggton, Teneryville, Spring Hill, Judson, and Longview Heights. Rates can still differ from one section to the next because of roof age, construction, and fire-station distance.
Home heating in Longview runs mainly on electricity (62%) and utility gas (37%).
The National Risk Index from FEMA shows elevated ratings for hail (“Relatively High”), tornado (“Relatively High”), winter-weather (“Relatively Moderate”), and strong-wind (“Relatively High”) in Gregg County.
The NOAA Storm Events Database logged 24 hail reports within about 8 miles of Longview from 2016 through 2025 (20 at one inch or more). Top size measured 2.75 inches in February 2024 around Longview.
ACS 2020–2024 estimates put about 36,746 housing units in Longview, and owner-occupants live in about 55% of the occupied homes. Of all units, 62% are detached single-family houses and 32% are in buildings with two or more units.
Local history records show Longview was founded in 1870 and incorporated on May 17, 1871. The Census Bureau counted 73,344 people in Longview at the 2000 Census and 80,455 at the 2010 Census; its July 2024 estimate is 83,668. Numbers have held fairly steady since 2000.
Older NOAA hail logs add more history: NOAA’s Storm Prediction Center counts 82 hail reports within 5 miles of Longview between 1955 and 2015, the largest 4.5 inches on January 6, 1998. Reports of 2-inch or bigger hail number 8 in that span. The NOAA Storm Prediction Center database shows 21 tornadoes that began within 10 miles of Longview from 1950 through 2015, the strongest an F3 on April 1, 1988.
Shopping around the area? We also have home insurance pages for Kilgore (10 mi), Gladewater (11 mi), and Hallsville (11 mi).
ZIP codes we insure in and around Longview
75601 · 75602 · 75603 · 75604 · 75605 · 75606 · 75607 · 75608 · 75615
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Longview, TX home insurance quotes
Longview residents get a comparison of 25+ carriers with Freedom Insurance Group. Next step: begin a home quote online or dial (800) 253-1482.
