Save On Home Insurance in Daytona Beach, FL | TGS Insurance Agency

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Homeowners Insurance  »  Florida  »  

Daytona Beach

Experience Effortless Insurance with TGS: We Do the Work, You Reap the Savings

 

As a leading independent agency, TGS Insurance Agency partners with over 55 top-rated insurance carriers to provide you with a wide array of comprehensive insurance options tailored to your needs. Our mission is to simplify the home insurance shopping process by doing the heavy lifting for you. Our highly qualified agents work diligently to ensure you get the best coverage at the best price, starting with an instant, free quote. From there, our agents customize your policy and uncover all possible discounts, making it easy and stress-free. With TGS Insurance Agency, you can rest assured that your home is protected while you enjoy significant savings. 

 

We shop. You save. Yes, it really is that easy.

 

Understanding Home Insurance Coverages in Daytona Beach, Florida

 

When it comes to protecting your home in Daytona Beach, Florida, understanding the basics of your home insurance policy is crucial. Here are the six primary coverages typically included in a Florida home insurance policy:

  1. Dwelling Coverage (Coverage A)
    • Explanation: Dwelling coverage helps pay to repair or rebuild your home if it’s damaged or destroyed by a covered peril, such as fire, wind, hail, or lightning.
    • Example: If a fire damages the roof of your home in Daytona Beach, your dwelling coverage will help cover the cost of repairs.
  2. Other Structures Coverage (Coverage B)
    • Explanation: This coverage protects structures on your property that are not attached to your main house, like a detached garage, shed, or fence.
    • Example: If a strong storm knocks over a fence in your backyard, other structures coverage will help pay for the replacement.
  3. Personal Property Coverage (Coverage C)
    • Explanation: Personal property coverage helps cover the cost of your personal belongings if they are stolen, damaged, or destroyed by a covered peril.
    • Example: If your home is burglarized and your electronics are stolen, personal property coverage would help reimburse you for the lost items.
  4. Loss of Use Coverage (Coverage D)
    • Explanation: Also known as additional living expenses (ALE), this coverage helps pay for temporary living expenses if your home is uninhabitable due to a covered loss.
    • Example: If a fire renders your home uninhabitable, loss of use coverage would help pay for hotel bills and dining out while your home is being repaired.
  5. Personal Liability Coverage (Coverage E)
    • Explanation: Personal liability coverage protects you if you are legally responsible for injuries or property damage to others. It helps cover legal fees, medical bills, and damages.
    • Example: If a guest slips and falls on your property and sues you for medical expenses, personal liability coverage would help cover the costs associated with the lawsuit.
  6. Medical Payments Coverage (Coverage F)
    • Explanation: This coverage pays for medical expenses for guests who are accidentally injured on your property, regardless of who is at fault.
    • Example: If a visitor trips on your front steps and requires medical attention, medical payments coverage would help pay for their medical bills.

Understanding these basic coverages ensures you have the right protection for your home in Daytona Beach, Florida. Always review your policy details with an insurance professional to ensure your coverage meets your needs.

 

What’s the Cost of Home Insurance in Daytona Beach?

 

Typically, TGS clients in Daytona Beach spend around $3,728 annually for home insurance. Insurance premiums are influenced by various elements, such as the age and value of your home, its location, your credit history, and the extent of coverage you choose. At TGS Insurance Agency, we offer flexible insurance solutions tailored to your needs, ensuring you get the coverage you want at a price you’re comfortable with. Start by obtaining a free, instant home insurance quote by entering your address above.

 

Average Home Insurance Costs in Daytona Beach by Coverage Level

 

Dwelling coverage is a crucial part of your home insurance, designed to protect the physical structure of your home from covered risks. This coverage ensures that you have funds to repair or rebuild your home if it is damaged or destroyed by a covered event. The amount of dwelling coverage you need is based on the estimated cost to rebuild your home, and your policy provides coverage up to a specified limit. Setting a dwelling coverage limit that accurately reflects the rebuilding cost is essential to avoid being underinsured in the event of a total loss. Higher dwelling coverage limits generally lead to higher premiums as the insurer takes on more risk.

 

How the Size of your Daytona Beach Home Affects the Cost of Insurance

 

Home insurance rates can vary widely based on the size of the home. Larger homes generally have higher insurance premiums because they cost more to repair or replace in the event of damage or disaster. More square footage means more materials, labor, and time needed for reconstruction, driving up potential claim costs. Additionally, larger homes often contain more personal belongings, which can also increase the amount of coverage needed. Insurers also consider that bigger homes may have more complex and extensive systems, such as plumbing and electrical, which can be costlier to maintain and repair. Conversely, smaller homes tend to have lower insurance rates due to their reduced replacement costs and potentially fewer possessions, making them less expensive to insure overall.

 

Comparing Home Insurance Rates: What Makes Each Carrier Unique?

 

Home insurance premiums can vary widely between different carriers because of several contributing factors. Each insurer uses a distinct risk assessment method, considering elements like the home’s location, age, and overall condition, along with the homeowner’s past claims and credit history. Carriers also provide various discounts, which might include incentives for policy bundling, security enhancements, or maintaining a claims-free record. The way insurers evaluate regional risks and past natural events can also impact rates, as some may assign higher costs based on these factors. Moreover, the quality of customer service and the carrier’s financial strength can influence premium prices, with reputable companies often charging more for their comprehensive coverage and reliability. Comparing quotes from multiple insurance providers is crucial for homeowners to secure the best rate and coverage.

 

Daytona Beach Zip Codes We Insure

 

3211432115321163211732118
3211932120321213212232124
321253212632198

 

Didn’t see your zip code? No problem! We’re here to help homeowners all across Florida find the right home coverage. Start with a free instant quote by entering your address above.

 

TGS Insurance is Daytona Beach's Premier Home Insurance Provider

Daytona Beach neighborhood

Daytona Beach, Florida, is world-famous for its hard-packed sand beaches and the Daytona International Speedway. Known as the "World Center of Racing," it offers a mix of motorsports, beach activities, and a lively boardwalk, making it a popular tourist destination.

Daytona Beach neighborhood

TGS Insurance Agency is committed to offering the best insurance coverage for homeowners in Daytona Beach. Our expert agents provide exceptional customer service and customized policies to fit your needs. Get your free quote now and safeguard your home with confidence.

Key Home Statistics in Daytona Beach

82,485

Total Population in Daytona Beach, FL

$266,067

Average Home Value in Daytona Beach, FL

$65,334

Median Household Income in Daytona Beach, FL

40

Median Age in Daytona Beach, FL

Trust TGS Insurance in Daytona Beach

Data as of December 09, 2024

24,189

Total
Customers

$10.1 B

Total Assets Covered Projected

24,000

Total Homes Insured

9,000

Total Vehicles Insured

Major Neighborhoods in Daytona Beach, FL

Image of Pelican Bay Neighborhood

Pelican Bay

Pelican Bay is a gated community with beautiful homes, a golf course, and scenic lakes, perfect for those seeking a peaceful and secure environment.

Image of Ortona Neighborhood

Ortona

Ortona is a charming neighborhood in Daytona Beach known for its historic homes, tree-lined streets, and proximity to the Intracoastal Waterway.

Image of LPGA Neighborhood

LPGA

LPGA International offers a golfer's paradise with two championship courses, upscale homes, and a variety of recreational amenities.

Local Home Resources in Daytona Beach, FL

Fire Departments
Daytona Beach Fire Dept301 S Beach St
Daytona Beach, FL 32114
(386) 671-4000
Police Departments
Holly Hill Police Dept1065 Ridgewood Ave
Daytona Beach, FL 32117
3862489475
Volusia County Sheriff125 E Orange Ave # 105
Daytona Beach, FL 32114
3862576010
VOLUSIA COUNTY SHERIFF1330 INDIAN LAKE RD
DAYTONA BEACH, FL 32198
3862584053
Volusia County Sheriff59 Keyton Dr
Daytona Beach, FL 32198
3868225728
Volusia County Sheriff's Ofc999 3rd St
Daytona Beach, FL 32117
3863230151
Volusia County Sheriff's Office1330 Indian Lake Rd
Daytona Beach, FL 32124-1051
386-254-1537