Compare homeowners insurance quotes in Andrews, TX with Freedom Insurance Group. We compare 25+ carriers and work with you to match coverage to the home and vehicles you actually own.
Average cost of home insurance in Andrews, TX
| Home value tier | Market est. | FIG illustrated |
|---|---|---|
| Typical local home (~$267,500) | $1,234 | $728 |
| $300,000 dwelling | $1,349 | $796 |
| $600,000 dwelling | $1,898 | $1,120 |
| $1,000,000 dwelling | $2,470 | $1,457 |
The typical homeowners insurance premium in Andrews, TX is about $1,234 annually for a typical local home (typical local home value about $267,500). For a $300,000 dwelling, expect around $1,349 per year; for a $600,000 home about $1,898; and for a $1,000,000 dwelling about $2,470. Freedom Insurance Group rates are often about 41% lower — near $728 per year for a typical home, roughly $796 for a $300,000 home, about $1,120 for a $600,000 home, and around $1,457 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $1,049 |
| $200,000 – $300,000 | $1,172 |
| $300,000 – $400,000 | $1,439 |
| $400,000 – $500,000 | $1,629 |
| $500,000 – $600,000 | $1,814 |
| $600,000 – $700,000 | $1,958 |
| $700,000 – $800,000 | $2,078 |
| $800,000 – $900,000 | $2,234 |
| $900,000 – $1,000,000 | $2,391 |
Band premiums are midpoints on the Andrews dwelling curve (typical local home value about $267,500). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Andrews, TX, using a typical local home value of about $267,500. Freedom figures apply an approximate 41% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Andrews, TX: the local picture
Andrews has roughly 13,816 residents, located in Andrews County.
Andrews lies within the Andrews County area, and there day-to-day insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
Local housing is largely single-family homes typical of the Andrews County area, but replacement cost, roof age, and construction type still explain most premium differences block by block.
Homes in North Texas are often rated for severe thunderstorms, hail, and tornado risk shared across the Plains.
How Andrews home insurance quotes differ
A handful of connected factors shape a Andrews home premium, and carriers look at all of them before quoting. 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 swing the final premium as much as the carrier brand itself.
Replacement cost answers one question: what would it cost to rebuild the house today, with similar materials, at current labor and supply prices? A bigger rebuild figure on a Andrews home, the price tends to climb, since the carrier could owe more.
Construction type and roof details matter as well: underwriters check whether walls are frame or masonry, what covers the roof, and how solidly the home is built, since those details affect performance in wind, hail, and fire events common across Texas.
Two Andrews homes with close rebuild estimates can still price differently due to location risk: scores for storms, hail, wildfire, and crime that change by ZIP code and neighborhood.
Carriers rate fire protection by protection class plus how far away hydrants and stations are; better protection usually means a better rate.
Claims history is still a major rating input: recent claims on the property or household often increase rates for Andrews renewals and new business quotes alike.
Credit-based insurance score can move the price in states that allow it: carriers that use it generally offer lower premiums to applicants with better scores.
Home insurance discounts in Andrews, 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% |
Carriers do not all offer the same discounts, and the amounts vary. Read “up to” as the top end, not what everyone gets.
Homeowners coverage basics
- Dwelling (Coverage A): Rebuilding funds for the home itself after a covered loss. Match it to current local construction costs.
- Other structures (B): It covers detached features such as a garage, shed, fence, or similar buildings that are not attached to the main house.
- Personal property (C): Furniture, clothing, and the other things you own in the home fall under this coverage, but some higher-value categories carry special sublimits.
- Loss of use (Coverage D): When repairs after a covered claim make the house unlivable, it can cover the extra living costs.
- Personal liability (E): This applies when you are legally responsible for injuring someone or damaging their property caused by a covered incident.
- Coverage F, medical payments: Medical bills for guests injured on your property, often paid without a formal liability claim.
Home-and-auto bundles in Andrews, TX
The figures below are illustrated averages for bundling, not a promise. Actual savings depend on the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Andrews, Texas | $258 | $436 | $636 |
Andrews neighborhoods
- Harman
- McCarley
- Avalon
- White-Southwest
- Saratoga Replat
- Townsend
- Eastman
- Wilson
- Rochester Heights
- Lambert
- A-H-U
- Garcia
- Baeza
- Casa
- Carter Park Addition
- Dickerson
- Brice
- Lujan
- Pipes
- L B
Housing and weather facts for Andrews
From 2000 on, Andrews County has appeared in 5 major disaster declarations; the most recent is Severe Winter Storms (February 2021).
For heat, Andrews households mostly rely on electricity (58%) and utility gas (38%).
NOAA’s Storm Events Database lists 16 hail reports within about 5 miles of Andrews from 2016 through 2025, 16 of them one inch or larger. Top size was 2.5 inches in May 2022 near Andrews.
ACS 2020–2024 estimates put about 5,138 housing units in Andrews, and owners occupy roughly 77% of the occupied homes. Of all units, 77% are detached single-family houses, 7.8% are in buildings with two or more units, and 12% are mobile homes.
On tornadoes, NOAA recorded 1 tornado starting within 10 miles of Andrews between 2016 and 2025, the strongest rated EF1 in March 2019.
Andrews’ median year built is 1976. About 56% of homes predate 1980, which means wiring, plumbing, and roof updates often come up in underwriting.
FEMA’s National Risk Index flags hail (“Relatively Moderate”) in Andrews County.
Andrews dates its official start to 1937. It takes its name from Richard Andrews. Census counts put Andrews at 9,652 residents in 2000 and 11,088 in 2010, and the Census Bureau’s July 2024 estimate is 13,677. That works out to about 42% more residents than in 2000.
Older NOAA hail logs add more history: NOAA’s Storm Prediction Center counts 54 hail reports within 5 miles of Andrews between 1955 and 2015, topped by hail of 3.5 inches on June 4, 1995. Reports of 2-inch or bigger hail number 3 in that span. The NOAA Storm Prediction Center database shows 11 tornadoes that began within 10 miles of Andrews from 1950 through 2015, the strongest an F1 on May 7, 1956.
Comparing homes in nearby towns? We also have home insurance pages for Seminole (28 mi).
ZIP codes we insure in and around Andrews
79714
See more Texas insurance resources
Price homeowners coverage for Andrews, TX
For Andrews residents, Freedom Insurance Group shops 25+ carriers. Call (800) 253-1482 or start a free home quote online.
