Cabrera Insurance Agency
3703 W Monte Cristo Rd, Edinburg, TX 78541
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3703 W Monte Cristo Rd, Edinburg, TX 78541
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106 S 12th Ave, Ste 110, Edinburg, TX 78539
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200 S Sugar Rd, Unit 3, Edinburg, TX 78539
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3019 W Alberta Rd, Suite 200, Edinburg, TX 78539
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1601 W Trenton Rd, Unit H, Edinburg, TX 78539
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2721 Fountain Plaza Blvd, Suite D, Edinburg, TX 78539
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200 S Sugar Rd Unit, #2, Edinburg, TX 78539
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3294 N Closner Blvd, Edinburg, TX 78541
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506 W University Dr, Edinburg, TX 78539
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3906 S Jackson Rd, Edinburg, TX 78539
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Learn about insurance coverage options specific to Edinburg residents.
Edinburg home insurance averages $1,400-$2,450/year. Learn about hurricane risks, flood coverage needs, and how to save on coverage in the Rio Grande Valley.
Car InsuranceGet the right auto insurance in Edinburg. Learn about Texas's 30/60/25 requirements, US-281 risks, and how to find affordable coverage. Compare quotes today.
General Insurance EducationComplete insurance guide for Edinburg residents covering auto, home, and flood coverage. Learn about Rio Grande Valley risks and Texas requirements.
Car InsuranceEdinburg drivers pay $198/month for car insurance. Learn why Valley rates are high, why uninsured motorist coverage matters, and how to save $1,300+.
The average home insurance premium in Edinburg ranges from $1,400 to $2,450 per year, depending on factors like your home's age, construction type, coverage limits, and credit score. This is significantly lower than the Texas state average of around $4,000 per year, making Edinburg one of the more affordable areas in the state for homeowners insurance.
Yes, flood insurance is highly recommended for Edinburg homeowners. The Rio Grande Valley experienced a devastating 100-year flood in March 2025 that submerged neighborhoods and caused extensive damage. Standard homeowners policies don't cover flood damage, so you'll need a separate flood insurance policy through the National Flood Insurance Program or a private insurer.
Standard homeowners insurance covers wind damage from hurricanes, but not flood damage caused by hurricanes. Since Edinburg is about 40 miles inland from the Gulf, wind damage is less severe than in coastal areas, but flooding from hurricane rainfall can be significant. You'll need both homeowners insurance for wind damage and separate flood insurance for water damage.
Older homes can pay up to 59% more for insurance than newer homes because they're more likely to have aging roofs, outdated electrical systems, and older plumbing that's prone to problems. In Edinburg's extreme heat, roofs deteriorate faster, and insurance companies factor in the increased likelihood of claims when pricing policies for older properties.
You can reduce your premium by bundling home and auto insurance, installing a monitored security system, upgrading to impact-resistant roofing, maintaining good credit, increasing your deductible, and shopping around for quotes from multiple insurers. Some homeowners save 15-25% through bundling alone, and staying claims-free for several years can also earn you discounts.
In Texas, wind and hail deductibles are often calculated as a percentage of your dwelling coverage rather than a flat dollar amount. For example, a 1% wind/hail deductible on a $250,000 home means you pay the first $2,500 of any wind or hail claim yourself. Your regular deductible for other perils like fire or theft is typically a flat amount like $1,000 or $2,500.
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