Katy, Texas, is a great place to own a home and build a life. Katy home insurance helps you protect that life by protecting your home and property from dangerous perils. In Katy, you may face the weather, defective materials, etc. But no two home insurance policies are the same. Different companies and policies cover different perils, allowing many policies to choose from. Luckily, with TGS Insurance, our agents have established relationships with top-rated carriers. This allows them to find the right policies that fit your needs and budget while reducing the stress of comparison shopping. Below we have compiled a list of common home insurance claims in Katy so you can stay informed and protected!
Katy is Prone to Wind and Hail Claims
The first thing that may come to mind would be hurricanes and tropical storms. You wouldn’t be wrong that these are truly devastating events. Harsh winds and hail can occur from several different things. Even a band of severe thunderstorms has the potential to create winds over 50 mph, tornadoes, and hail that can ruin your home and property. Destructive and imposing wind and hail damage can be a nightmare without windstorm insurance. It complements your home insurance policy. You may be left paying a lot more than you think. TGS Insurance helps clients avoid gaps in their coverage and bundle to save monthly.
Floods and Water Damage are Common in Katy
As developments continue, flooding is a more and more frequent problem in the area. But it doesn’t just take a major storm to cause such damage. Flash floods from heavy rains can destroy what you have worked hard for and the things you have earned inside. Water damage from faulty pipes and even burst pipes during freezing events can destroy your home. Home insurance is there for you for some water damage perils, but you will need flood insurance during a flood. 43% of homeowners believe their home insurance policy will be enough for a flood event. However, if water damage results from flooding outside your home, you’ll be stuck handling the rebuilding costs without a flood insurance policy.
Property Damage (Non-Weather Related) and Vandalism
Rebuilding your home after a car drives through it or a vandal destroys a window or two can be exhausting. Something that you cannot control is derailing your home and your life. There are many examples but only one real solution, a quality home insurance policy that is there to help you repair what is damaged during your time of need.
Fire and Lightning Damage is Low in Katy but Pricey
While you are unlikely to face a terrible event dealing with fire or lightning strikes, it is not impossible, and when they do occur, they are very expensive. Fire claims are among the most expensive claims in insurance. When a fire occurs, it can be difficult for a homeowner to do anything but seek safety, much less limit the damage that befalls their home and property. Home insurance policies can help you rebuild and replace what is lost during these life-altering events.
Home Invasion in Katy, TX
The city of Katy is beautiful and has a vibrant community, but virtually nowhere is immune to home invasions. Some studies show that home robberies happen as frequently as more than two per minute in America. Home insurance policies can help you protect valuables and restore what is lost by paying you the replacement cost, depending on your home insurance policy, to help you move forward from this unthinkable invasion of privacy. And don’t forget, vandalism and property damage should be expected during this time. Home insurance helps pay for repairs necessary in the aftermath of a robbery.
Affordable Home Insurance in Katy, TX
TGS Insurance helps homeowners in Katy every day find the right home insurance policies that save money and can be bundled with various other important insurance policies to help eliminate gaps in coverage. We pride ourselves on putting our clients first and work to find the best policies to fit your needs and budget. TGS Insurance has proven to save the average homeowner in Katy more than $546 a year on home insurance costs!