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Homeowners Insurance  »  Florida  »  

Titusville

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.

 

Understanding Home Insurance Coverages in Titusville, Florida

 

When it comes to protecting your home in Titusville, 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 Titusville, 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 Titusville, Florida. Always review your policy details with an insurance professional to ensure your coverage meets your needs.

 

What is the Typical Cost of Home Insurance in Titusville?

 

For TGS Insurance customers in Titusville, the average annual cost of home insurance is $3,426. This average is calculated for homes with an average value of $520,112 and includes windstorm and hail coverage with a 2% deductible. The cost of your policy can fluctuate based on various factors, such as the age, value, and location of your home, as well as your credit score and coverage preferences. At TGS Insurance Agency, we offer flexible options to help you tailor your policy to your needs and budget. Start with a free instant home insurance quote by entering your address above to find the perfect fit for your coverage needs.

 

Average Home Insurance Costs in Titusville 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.

 

Dwelling Coverage LimitsAverage Annual Premium (incl. Windstorm & Hail Coverage)
$200,000 - $299,999$2,238
$300,000 - $399,999$2,621
$400,000 - $499,999$3,015
$500,000 - $599,999$3,523
$600,000 - $699,999$4,064
$700,000 - $799,999$4,564
$800,000 - $899,999$5,018

 

Home Insurance Costs by Zip Code in Titusville

 

Many local factors can influence home insurance rates in Titusville, varying even within different zip codes. Elements such as crime rates, the risk of natural disasters (such as floods, earthquakes, or wildfires), and even how close your home is to a fire station can affect your premiums. In Titusville, the ZIP code with the highest average premium is 32796. The average cost for that ZIP code is $4,737. 

 

Titusville 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.

 

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.

 

Zip Codes We Service in Titusville

 

  • 32780
  • 32781
  • 32783
  • 32796
  • 32927

 

Not seeing your zip code? It’s not a problem! We’re dedicated to helping homeowners across Florida find the perfect home coverage. Get your free instant quote by entering your address above.

TGS Insurance is Titusville's Premier Home Insurance Provider

Titusville neighborhood

Titusville, Florida, is known as the "Space Coast" due to its proximity to the Kennedy Space Center. The city offers a mix of space exploration history, beautiful natural areas like the Merritt Island National Wildlife Refuge, and a charming downtown.

Titusville neighborhood

Serving the Titusville 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 Titusville

49,680

Total Population in Titusville, FL

$283,113

Average Home Value in Titusville, FL

$56,700

Median Household Income in Titusville, FL

44

Median Age in Titusville, FL

Trust TGS Insurance in Titusville

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 Titusville, FL

Image of Indian River Heights Neighborhood

Indian River Heights

Indian River Heights offers a suburban feel with well-maintained homes, tree-lined streets, and close proximity to schools and parks.

Image of Imperial Estates Neighborhood

Imperial Estates

Imperial Estates is a family-friendly neighborhood known for its spacious homes, community parks, and convenient access to local amenities.

Image of La Cita Neighborhood

La Cita

La Cita is a golf course community featuring beautiful homes, scenic views, and a range of amenities, perfect for golf enthusiasts and active lifestyles.

Local Home Resources in Titusville, FL

Fire Departments
Brevard County - Fire Rescue- Fire Rescue Communications Center Disp400 South St
Titusville, FL 32780
(321) 633-1769
Lifeline Fire Design869 Macon Dr
Titusville, FL 32780
(321) 269-1598
Scottsmoor Fire Dept
Titusville, FL
(321) 264-5200
Police Departments
Brevard County Sheriff700 S Park Ave # J
Titusville, FL 32796
3212645201
BREVARD COUNTY SHERIFF700 S PARK AVE
TITUSVILLE, FL 32796
3219526371
Sheriff Civil Process700 S Park Ave
Titusville, FL 32780
3212645207
Sheriff Information Svc700 S Park Ave
Titusville, FL 32780
3210001111
Sheriff Office Records Dept700 S Park Ave Bldg J
Titusville, FL 32780
3210001111
Sheriff Personnel700 S Park Ave
Titusville, FL 32780
3212645212
Sheriff Records-Data700 S Park Ave # J
Titusville, FL 32796
3212645214
Titusville Police Department1100 John Glenn Blvd
Titusville, FL 32780
3212647874
Titusville Police Dept1100 John Glenn Blvd
Titusville, FL 32796
3212647800
Titusville Police Dept1100 John Glenn Blvd
Titusville, FL 32780
3212647800