Independent agents comparing homeowners quotes from 25+ carriers for Palestine residents.
What home insurance costs in Palestine
The typical homeowners insurance premium in Palestine, TX is about $1,314 annually for a typical local home (typical local home value about $180,000). 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 37% lower — near $828 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 Palestine dwelling curve (typical local home value about $180,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Palestine, TX, using a typical local home value of about $180,000. 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.
About Palestine, TX
Around 18,288 people live in Palestine and sits in Anderson County.
Palestine is located in the Anderson County area, and there everyday insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
Housing here is a mix of single-family homes typical of the Anderson County area, but replacement cost, roof age, and construction type still explain most premium differences from one house to the next.
Insurers in North Texas commonly factor in severe thunderstorms, hail, and tornado risk common across the Plains.
The six parts of a home policy
This limit pays to rebuild the structure of your home after a covered loss, and it should keep pace with local rebuilding costs today.
A detached garage, a shed, a fence, or similar buildings that stand apart from the house are covered here.
It protects furniture, clothing, and everyday belongings inside the home, with special limits that can apply to higher-value categories.
While a covered loss keeps you out of the home, it can cover the extra living costs.
If you are legally responsible for someone else’s injury or property damage in a covered incident, it applies.
For guests injured on your property, this can pay medical bills, frequently with no formal liability claim.
Home insurance discounts in Palestine, 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% |
Which discounts apply and how much they are worth depend on the carrier. Treat “up to” as the top end, not a guarantee.
Premium drivers for homeowners in Palestine
Multiple interlocking factors go into what Palestine homeowners pay, and carriers weigh them as a set when they build a quote. The biggest movers are usually rebuild cost, roof age and material, and local storm or wildfire exposure; your deductible and claims record can change the final premium as much as the company you choose.
Replacement cost comes down to a simple question: what would it cost to rebuild this home right now, with similar materials, at today’s prices for labor and materials? A bigger rebuild figure on a Palestine home, the price tends to climb, since the carrier could owe more.
Construction type and roof details count as well: frame versus masonry walls, the roof covering, and overall build quality all affect how a property performs in wind, hail, and fire that are common across Texas.
Scores for storms, hail, wildfire, and crime make up location risk, and they vary by ZIP code and neighborhood in Palestine, meaning homes with similar rebuild costs can still get different prices.
Fire protection weighs how far the home sits from hydrants and stations plus the area’s protection class, and better protection ratings often support sharper pricing.
Claims history is a heavy factor: for Palestine homes, a recent claim on the home or household can raise the premium for renewals and new business alike.
Many insurers factor in a credit-based insurance score where the state allows; a better score usually means a lower premium.
Home-and-auto bundles in Palestine, TX
Illustrative average bundling savings, not guaranteed. Actual savings depend on carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Palestine, Texas | $258 | $436 | $636 |
Palestine housing stock and storm history
The National Risk Index from FEMA shows elevated ratings for tornado (“Relatively High”), winter-weather (“Relatively Moderate”), and strong-wind (“Relatively High”) in Anderson County.
NOAA’s Storm Events Database lists 16 hail reports within about 6 miles of Palestine from 2016 through 2025, 9 of them one inch or larger. The biggest was 2 inches in September 2023.
From 2000 on, Anderson County has been part of 13 major disaster declarations; the most recent is Hurricane Beryl (July 2024).
The Census Bureau’s 2020–2024 American Community Survey counts about 7,743 housing units in Palestine, and owners occupy roughly 55% of the occupied homes. Of all units, 68% are detached single-family houses, 22% are in buildings with two or more units, and 7.0% are mobile homes.
Home heating in Palestine runs mainly on electricity (64%) and utility gas (34%).
Palestine’s median year built is 1976. Roughly 59% of homes were built before 1980, so electrical, plumbing, and roof upgrades can change eligibility and price.
Palestine was incorporated in 1846. The Census Bureau counted 17,598 people in Palestine at the 2000 Census and 18,712 at the 2010 Census; its July 2024 estimate is 19,583. The population has stayed fairly steady since 2000.
Going further back, NOAA’s Storm Prediction Center counts 36 hail reports within 5 miles of Palestine between 1955 and 2015, topped by hail of 2.75 inches on May 27, 1994. Reports of 2-inch or bigger hail number 1 in that span. The NOAA Storm Prediction Center database shows 14 tornadoes that began within 10 miles of Palestine from 1950 through 2015; the most powerful, rated F2, touched down on February 11, 1984.
Shopping around the area? See our home insurance pages for Jacksonville (26 mi).
ZIP codes we insure in and around Palestine
75801 · 75802 · 75803
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Palestine, TX home insurance quotes
Freedom Insurance Group compares 25+ carriers for Palestine residents. Begin a home quote online or call (800) 253-1482.
