For Alice residents: independent agents comparing homeowners quotes from 25+ carriers.
Home insurance prices in Alice
The typical homeowners insurance premium in Alice, TX is about $1,287 annually for a typical local home (typical local home value about $161,600). 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 42% lower — near $746 per year for a typical home, roughly $947 for a $300,000 home, about $1,333 for a $600,000 home, and around $1,734 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 Alice dwelling curve (typical local home value about $161,600). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Alice, TX, using a typical local home value of about $161,600. Freedom figures apply an approximate 42% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
What makes Alice, TX stand out
Alice is home to around 19,408 residents in Jim Wells County.
Alice is located in the Jim Wells County area, where everyday insurance shopping is shaped more by the features of each home and carrier appetite than by any single landmark.
Housing here is largely single-family homes typical of the Jim Wells County area, but replacement cost, roof age, and construction type still account for 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.
Homeowners coverage basics
When a covered loss hits, this limit covers rebuilding your home’s structure; make sure it tracks what rebuilding costs in your area today.
This portion applies to detached features such as a garage, shed, fence, or similar buildings that are not attached to the main house.
This covers furniture, clothing, and everyday belongings inside the home, with special limits that may apply to higher-value categories.
This coverage can help with additional living expenses when a covered claim makes the home temporarily unlivable during repairs.
It responds when you are legally responsible for bodily injury or property damage to others resulting from a covered incident.
This helps with guest medical bills for injuries that occur on your property, often without needing a formal liability claim.
Homeowners discounts in Alice, 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 chooses its own discounts and amounts. “Up to” marks the top of the range, not a promise.
What affects home insurance premiums in Alice
Carriers price a Alice homeowners quote from several interlocking factors. The heaviest factors are typically rebuild cost, the roof’s age and material, and exposure to storms or wildfire; deductible choice and claims history can swing the final premium as much as the company you choose.
Replacement cost is what it would take to rebuild the home with like-kind materials at today’s prices for labor and supplies. Since the carrier’s top payout grows with the rebuild estimate, bigger estimates for Alice properties tend to push up premiums.
Construction type and roof details also matter: frame versus masonry walls, roof covering, and overall build quality all influence how a property performs in wind, hail, and fire scenarios that are common.
Location risk captures storm, hail, wildfire, and crime scores that can change by ZIP code and neighborhood within Alice, so two homes with similar rebuild costs may still price differently.
A better fire protection rating based on close hydrants, a nearby station, and a good protection class tends to make the premium lower.
Recent claims on the property or by the household may lift premiums for Alice renewals as well as new policies, because claims history still weighs heavily.
Where state rules allow it, companies can use a credit-based insurance score, and a higher score tends to bring a lower premium.
Alice, TX home & auto bundle savings
Illustrative average bundling savings, not guaranteed. Actual savings come down to the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Alice, Texas | $160 | $240 | $340 |
Neighborhoods in Alice
- Sanchez Addition Colonia
- Guerra Estate Addition Colonia
- Holshouser Number 2 Colonia
- Guerra Addition Colonia
- Mayes Addition Colonia
- Holshouser Number 1 Colonia
- La Jolla Addition Colonia
- Holshouser Number 3 Colonia
- Rancho Alegre
- Martinez Addition Colonia
- Gallimore Addition Colonia
- McMasters Colonia
- North Hilltop Addition Colonia
- East Buena Vista Addition Colonia
Alice housing stock and storm history
In FEMA’s National Risk Index, Jim Wells County rates above the low end for hail (“Relatively Moderate”), tornado (“Relatively Moderate”), and hurricane (“Relatively High”).
Named places the USGS records in and around Alice include North Hilltop Addition Colonia, East Buena Vista Addition Colonia, Kiesling’s Colonia, Sanchez Addition Colonia, Guerra Estate Addition Colonia, and Holshouser Number 2 Colonia. Each area can price differently because of construction era and roof condition.
The median home in Alice was built in 1974. About 64% of homes were built before 1980, so electrical, plumbing, and roof upgrades are worth documenting for a quote.
For heat, Alice households mostly rely on electricity (72%) and utility gas (26%).
From 2000 on, Jim Wells County has appeared in 12 major disaster declarations; the latest was Severe Winter Storms (February 2021).
The Census Bureau’s 2020–2024 American Community Survey counts about 7,016 housing units in Alice, and owner-occupants live in close to 57% of the occupied homes. Looking at building types, 77% are detached single-family houses, 18% are in buildings with two or more units, and 4.0% are mobile homes.
NOAA’s Storm Events Database lists 2 hail reports within about 5 miles of Alice from 2016 through 2025 (2 at one inch or more). The largest measured 1.25 inches in April 2016.
Alice’s recorded beginnings date to 1888. The Census Bureau counted 19,010 people in Alice at the 2000 Census and 19,104 at the 2010 Census; its July 2024 estimate is 17,595. Numbers have held fairly steady since 2000.
Earlier hail records help too: the Storm Prediction Center lists 33 hail reports within 5 miles of Alice between 1955 and 2015, topped by hail of 5 inches on May 30, 1968. 7 of those reports were 2 inches or larger. The NOAA Storm Prediction Center database shows 29 tornadoes that began within 10 miles of Alice from 1950 through 2015; the strongest was an F2 on August 10, 1980.
Looking at neighboring communities? Nearby home insurance pages: Kingsville (21 mi) and Robstown (24 mi).
ZIP codes we insure in and around Alice
78332 · 78333
More Texas insurance resources
Alice, TX home insurance quotes
Freedom Insurance Group shops 25+ carriers for Alice homeowners. Reach us at (800) 253-1482 or request a home quote online.
