TGS Insurance Agency: Making Home Insurance Simple with Expert Service and Great Rates
TGS Insurance Agency is proud to be an independent agency working with over 55 top-rated insurance carriers. This enables us to offer you a diverse range of comprehensive home insurance solutions designed to meet your unique needs. We make the home insurance shopping process easy by taking on the hard work for you. Our dedicated agents start with an instant, free quote and continue to customize your coverage, uncovering all potential discounts along the way. Our commitment to superior service ensures you get the best protection and savings without any hassle. We shop. You save. It’s truly that easy with TGS Insurance Agency.
Basic Home Insurance Coverages in Pinellas Park, Florida
Here’s a quick guide to the six essential coverages in a Pinellas Park, Florida home insurance policy:
- Dwelling Coverage
- Repairs or rebuilds your home if damaged by events like fire or storms.
- Other Structures Coverage
- Protects structures like detached garages and fences.
- Personal Property Coverage
- Covers your belongings if they’re stolen or damaged.
- Loss of Use Coverage
- Pays for extra living costs if your home is uninhabitable.
- Personal Liability Coverage
- Covers costs if you’re responsible for someone’s injury or property damage.
- 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 Pinellas Park.
What is the Average Cost of Home Insurance in Pinellas Park?
In Pinellas Park, the typical annual cost of home insurance for TGS Insurance customers is $3,049. The actual price of your policy can vary based on several factors, including your home’s value and age, its location, and your credit score. Our experienced agents are here to assist you in finding the right coverage at a price that fits your budget. We’ll work with you to tailor your policy to your needs, ensuring you receive the protection you need without compromising on essential coverage.
Average Homeowners Insurance Costs by Coverage Limit in Pinellas Park
The coverage limits for dwelling coverage play a significant role in determining your home insurance premium. Dwelling coverage is designed to cover the cost of repairing or rebuilding your home if it’s damaged or destroyed by a covered event. Higher coverage limits provide greater protection by ensuring that sufficient funds are available to rebuild your home in the event of a total loss. However, this increased protection comes at a cost, as higher coverage limits result in higher premiums. This is because the insurance company assumes more risk by committing to pay a larger sum in the event of a claim. Consequently, balancing adequate protection with affordability is essential, ensuring your dwelling coverage limit is sufficient to cover rebuilding costs while keeping your premium manageable. Below are the average annual costs for home insurance in Pinellas Park, Florida, based on different dwelling coverage limits within your policy.
Dwelling Coverage Limits Average Annual Premium (incl. Windstorm & Hail Coverage)
$200,000 - $299,999 $2,813
$300,000 - $399,999 $3,079
$400,000 - $499,999 $3,605
$500,000 - $599,999 $4,619
$600,000 - $699,999 $5,275
Pinellas Park Home Insurance Rates By Home Age
The age of a home plays a crucial role in determining home insurance rates. Insurers typically charge higher premiums for older homes because they are more likely to have outdated infrastructure, such as electrical systems, plumbing, and heating, which can increase the risk of fires, water damage, and other costly incidents. Older homes may also be built with materials that have deteriorated over time or do not meet contemporary safety standards. In contrast, newer homes usually benefit from modern construction practices, enhanced safety features, and up-to-date building codes, all of which contribute to a lower likelihood of damage and, therefore, lower insurance premiums.
What Affects Home Insurance Rates? A Look at Carrier-Specific Factors
The cost of home insurance can differ markedly between carriers because of various factors. Each insurer applies its own risk assessment criteria, which include the location, age, and condition of the home, as well as the homeowner’s claims history and credit score. Additionally, carriers offer different discounts, such as those for combining policies, adding security systems, or maintaining a clean claims record. The way insurers account for regional risks and previous natural disasters can also affect premiums. The carrier’s level of customer service and financial stability can influence rates as well, with established companies potentially charging more for their reliability and extensive coverage options. Therefore, homeowners should seek quotes from multiple carriers to ensure they get the best coverage at a competitive price.
Covered Zip Codes in Pinellas Park
- 33780
- 33781
- 33782
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