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Homeowners Insurance  »  Florida  »  

Kissimmee

Discover the Ease of Insurance Shopping with TGS: We Find the Best Coverage for You

 

At TGS Insurance Agency, we excel as an independent agency representing over 55 top-rated insurance carriers. This extensive network allows us to offer a broad range of comprehensive home insurance options tailored to your specific needs. We simplify the insurance shopping process by doing the heavy lifting for you. Starting with an instant, free quote, our knowledgeable agents customize your policy and find every possible discount. Our goal is to provide you with the best coverage at the best price, ensuring a stress-free experience. With TGS Insurance Agency, we shop so you can save. It’s really that easy.

 

Basic Home Insurance Coverages in Kissimmee, Florida

 

Here’s a quick guide to the six essential coverages in a Kissimmee, Florida home insurance policy:

  1. Dwelling Coverage
    • Repairs or rebuilds your home if damaged by events like fire or storms.
  2. Other Structures Coverage
    • Protects structures like detached garages and fences.
  3. Personal Property Coverage
    • Covers your belongings if they’re stolen or damaged.
  4. Loss of Use Coverage
    • Pays for extra living costs if your home is uninhabitable.
  5. Personal Liability Coverage
    • Covers costs if you’re responsible for someone’s injury or property damage.
  6. Medical Payments Coverage
    • Pays for medical bills if a guest is injured on your property.

Having these coverages at the base of every standard home policy allows everyone to be somewhat protected. You can choose whether or not you have more coverage in one area compared to another. All of this is based on your unique lifestyle in Kissimmee.

 

Home Insurance Costs in Kissimmee

 

For TGS Insurance clients in Kissimmee, the typical annual cost of home insurance is $4,759. Several key factors influence your insurance premium, including:

  • The value of your home
  • The location of your property
  • The age of your home
  • Your credit rating

These elements establish your insurance baseline, but you have the option to tailor your coverage to fit your needs. Opting for more extensive coverage will increase your annual premium. At TGS Insurance, we’re dedicated to helping you find the best possible rate while ensuring you get the coverage you need.

 

Average Homeowners Insurance Costs by Coverage Limit in Kissimmee

 

Determining the cost of replacing your home is crucial for setting the appropriate dwelling coverage limit on your home insurance policy. This limit directly influences your home insurance premium. An accurate replacement cost helps prevent being underinsured in the event of a total loss. 

 

Kissimmee Home Insurance Cost By Home Age

 

Home insurance rates can vary significantly based on the age of the home due to several factors. Older homes often come with higher insurance premiums because they may have outdated electrical, plumbing, and heating systems that pose more significant risks for fires, water damage, and other hazards. These homes might also be constructed with materials that are more susceptible to damage and may not meet current building codes, increasing the likelihood of costly repairs. On the other hand, newer homes typically benefit from modern construction techniques, materials, and adherence to updated safety standards, reducing the risk of damage and, therefore, lowering insurance premiums. Additionally, newer homes may also have more advanced security features, which can further decrease the likelihood of theft or vandalism and contribute to lower insurance rates.

 

How Insurance Companies Determine Your Home Insurance Premiums

 

Different insurance carriers can charge varying rates for home insurance due to a number of reasons. Each company has its own risk evaluation process, taking into account factors such as the home’s location, age, and condition, in addition to the homeowner’s claim history and credit score. Insurers may also offer different types of discounts, like those for bundling policies, installing security systems, or having a no-claims history. Furthermore, carriers’ approaches to assessing regional risks and past natural disasters can lead to differences in premium costs. The quality of customer service and the financial health of the insurer can also play a role in determining rates, with well-established firms possibly pricing their policies higher due to their stability and comprehensive coverage. Consequently, it is vital for homeowners to shop around and compare quotes from various carriers to find the best deal.

 

Covered Zip Codes in Kissimmee

 

3474134742347433474434745
34746347473475834759

Is your zip code not listed? Don’t worry! We support homeowners throughout Florida in finding the best home insurance coverage. Get started with a free instant quote by providing your address above.

 

TGS Insurance is Kissimmee's Premier Home Insurance Provider

Kissimmee neighborhood

Kissimmee, Florida, located near Orlando, is a popular tourist destination known for its proximity to major theme parks like Walt Disney World. With a variety of family-friendly attractions, shopping, and dining options, Kissimmee offers a vibrant and entertaining atmosphere.

Kissimmee neighborhood

Serving the Kissimmee community, TGS Insurance Agency ensures you get the most comprehensive home insurance coverage with unparalleled customer support. Don't wait for the unexpected—get a free quote today and protect your home and family.

Key Home Statistics in Kissimmee

81,269

Total Population in Kissimmee, FL

$381,486

Average Home Value in Kissimmee, FL

$45,319

Median Household Income in Kissimmee, FL

36

Median Age in Kissimmee, FL

Trust TGS Insurance in Kissimmee

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 Kissimmee, FL

Image of Bellalago Neighborhood

Bellalago

Bellalago is a gated community offering waterfront living, resort-style amenities, and beautiful homes, perfect for those seeking a serene lifestyle.

Image of Remington Neighborhood

Remington

Remington is a golf course community known for its well-maintained homes, recreational facilities, and family-friendly atmosphere.

Image of The Oaks Neighborhood

The Oaks

The Oaks is a serene neighborhood known for its beautiful homes, lush landscapes, and golf course views, offering a peaceful and family-friendly environment.

Local Home Resources in Kissimmee, FL

Fire Departments
Celebration Fire Station595 Celebration Pl
Kissimmee, FL 34747
(407) 566-2027
Falcon's Fire Golf Club - Maintenance3200 Seralago Blvd
Kissimmee, FL 34746
(407) 397-1917
Kissimmee City - Fire- Station 1301 Dyer Blvd
Kissimmee, FL 34741
(407) 518-2223
Kissimmee Fire Dept1101 Regatta Bay Blvd
Kissimmee, FL 34741
(407) 870-5518
Kissimmee Fire Dept200 W Dakin Ave
Kissimmee, FL 34741
(407) 518-2222
Kissimmee Heights Fire Dept403 Buena Ventura Blvd
Kissimmee, FL 34743
(407) 348-5555
Osceola County - Fire Marshal200 Broadway
Kissimmee, FL 34741
(407) 343-6890
Osceola County Fire Dept1097 Shady Ln
Kissimmee, FL 34744
(407) 847-5555
Osceola County Fire Dept1201 Cypress Pky
Kissimmee, FL 34759
(863) 427-0088
Osceola County Fire Rescue1664 Broad St
Kissimmee, FL 34746
(407) 933-1155
Osceola Fire Rescue3267 Pleasant Hill Rd
Kissimmee, FL 34746
(407) 944-4799
Police Departments
Jacksonville Sheriff8 N Stewart Ave
Kissimmee, FL 34741-5463
904-630-3457
Kissimmee Police Dept8 N Stewart Ave
Kissimmee, FL 34741
4075182460
Kissimmee Police Dept8 N Stewart Ave
Kissimmee, FL 34759
4078470176
Osceola County Sheriff2601 E Irlo Bronson Memorial H
Kissimmee, FL 34744
4073482222
Police8 N Stewart Ave
Kissimmee, FL 34759
4078477111