Insurance cost estimates

Assumed profile factors

Pets

2 (1 cat, 1 dog / other)

Plan type

Accident only

Region

national average (NAPHIA does not publish state-level figures)

Calculation

1. Accident only national average per pet, summed: 1 × $122 (cat) + 1 × $204 (dog / other)
2. = estimated annual mid-point $326, shown as a ±25% range

Range shown is the mid-point ±25%.

Coverage-to-price metric

coverage-to-price = $8,000 (assumed annual reimbursement limit, $) ÷ $326 (estimated annual price) = 24.5

Higher = more assumed coverage per dollar of estimated premium. Comparable only within this line of insurance. A computed metric, not a recommendation.

Assumed profile factors

Pets

2 (1 cat, 1 dog / other)

Plan type

Accident & illness

Region

national average (NAPHIA does not publish state-level figures)

Calculation

1. Accident & illness national average per pet, summed: 1 × $383 (cat) + 1 × $676 (dog / other)
2. = estimated annual mid-point $1,059, shown as a ±25% range

Range shown is the mid-point ±25%.

Coverage-to-price metric

coverage-to-price = $15,000 (assumed annual reimbursement limit, $) ÷ $1,059 (estimated annual price) = 14.2

Higher = more assumed coverage per dollar of estimated premium. Comparable only within this line of insurance. A computed metric, not a recommendation.

Assumed profile factors

State

state-level average for TX

Vehicles

2 (multi-vehicle factor ×1.85)

Coverage level

State minimum

Calculation

1. Auto standard base (state-level average for TX): $1,950/yr per vehicle
2. × coverage factor for State minimum: ×0.42
3. × multi-vehicle factor (2 vehicles): ×1.85
4. = estimated annual mid-point $1,515, shown as a ±20% range

Range shown is the mid-point ±20%.

Coverage-to-price metric

coverage-to-price = $65,000 (assumed liability limits only (state-minimum split limits), total $) ÷ $1,515 (estimated annual price) = 42.9

Higher = more assumed coverage per dollar of estimated premium. Comparable only within this line of insurance. A computed metric, not a recommendation.

Assumed profile factors

State

state-level average for TX

Dwelling value (Coverage A)

$320,000

Coverage form

HO-3 (standard)

Calculation

1. Homeowners HO-3 base (state-level average for TX): $3,100/yr
2. × coverage-form factor for HO-3 (standard): ×1
3. = estimated annual mid-point $3,100, shown as a ±22% range
4. Coverage amount = dwelling value $320,000 × 1 = $320,000

Range shown is the mid-point ±22%.

Coverage-to-price metric

coverage-to-price = $320,000 (dwelling coverage limit (Coverage A), $) ÷ $3,100 (estimated annual price) = 103.2

Higher = more assumed coverage per dollar of estimated premium. Comparable only within this line of insurance. A computed metric, not a recommendation.

Assumed profile factors

State

state-level average for TX

Vehicles

2 (multi-vehicle factor ×1.85)

Coverage level

Standard

Calculation

1. Auto standard base (state-level average for TX): $1,950/yr per vehicle
2. × coverage factor for Standard: ×1
3. × multi-vehicle factor (2 vehicles): ×1.85
4. = estimated annual mid-point $3,608, shown as a ±20% range

Range shown is the mid-point ±20%.

Coverage-to-price metric

coverage-to-price = $500,000 (assumed 100/300/100 liability + comprehensive/collision, total limits $) ÷ $3,608 (estimated annual price) = 138.6

Higher = more assumed coverage per dollar of estimated premium. Comparable only within this line of insurance. A computed metric, not a recommendation.

Assumed profile factors

State

state-level average for TX

Dwelling value (Coverage A)

$320,000

Coverage form

HO-5 (broader)

Calculation

1. Homeowners HO-3 base (state-level average for TX): $3,100/yr
2. × coverage-form factor for HO-5 (broader): ×1.22
3. = estimated annual mid-point $3,782, shown as a ±22% range
4. Coverage amount = dwelling value $320,000 × 1.15 = $368,000

Range shown is the mid-point ±22%.

Coverage-to-price metric

coverage-to-price = $368,000 (dwelling coverage limit (Coverage A) at open-peril/replacement-cost basis, $) ÷ $3,782 (estimated annual price) = 97.3

Higher = more assumed coverage per dollar of estimated premium. Comparable only within this line of insurance. A computed metric, not a recommendation.

Assumed profile factors

State

state-level average for TX

Vehicles

2 (multi-vehicle factor ×1.85)

Coverage level

Full coverage

Calculation

1. Auto standard base (state-level average for TX): $1,950/yr per vehicle
2. × coverage factor for Full coverage: ×1.32
3. × multi-vehicle factor (2 vehicles): ×1.85
4. = estimated annual mid-point $4,762, shown as a ±20% range

Range shown is the mid-point ±20%.

Coverage-to-price metric

coverage-to-price = $850,000 (assumed 250/500/100 liability + comp/collision, low deductible, total limits $) ÷ $4,762 (estimated annual price) = 178.5

Higher = more assumed coverage per dollar of estimated premium. Comparable only within this line of insurance. A computed metric, not a recommendation.

Assumed profile factors

State

state-level average for TX

Household members

2 (ages: 36, 34)

Metal tier

Bronze

Calculation

1. Benchmark silver (age 40, state-level average for TX): $5,400/yr
2. × household age-factor sum (1.71): $9,245/yr
3. × Bronze tier factor: ×0.8
4. = estimated annual mid-point $7,396, shown as a ±15% range (before any premium tax credits)

Range shown is the mid-point ±15%.

Assumed profile factors

State

state-level average for TX

Household members

2 (ages: 36, 34)

Metal tier

Silver

Calculation

1. Benchmark silver (age 40, state-level average for TX): $5,400/yr
2. × household age-factor sum (1.71): $9,245/yr
3. × Silver tier factor: ×1
4. = estimated annual mid-point $9,245, shown as a ±15% range (before any premium tax credits)

Range shown is the mid-point ±15%.

Assumed profile factors

State

state-level average for TX

Household members

2 (ages: 36, 34)

Metal tier

Gold

Calculation

1. Benchmark silver (age 40, state-level average for TX): $5,400/yr
2. × household age-factor sum (1.71): $9,245/yr
3. × Gold tier factor: ×1.15
4. = estimated annual mid-point $10,632, shown as a ±15% range (before any premium tax credits)

Range shown is the mid-point ±15%.