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Abilene, TX

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What is The Cost of Home Insurance in Abilene, TX?

Home insurance is customized to your home’s specifications, which means every homeowner has a different premium based on what coverages they need and want. Keeping that in mind, let’s take a closer look at the average annual home insurance premiums for the nation, the state, and the city of Abilene:

 

  • National average1: $2,305
  • Texas average1: $3,429
  • Lubbock, TX average: $1,171

Your home premium average will likely be different from Texas and national averages and even your city average, but it’s a good reference point to see what your neighbors are paying. You can gauge where your home premium lies and if any changes need to be made. Every insurance provider looks at certain factors that influence the cost of your premium. Some factors you have no control over, but there are things you can do to earn discounts. Here are some common things insurance carriers look at when calculating your rate:

  • Weather (Do you get a lot of tornadoes or hurricanes in your area?)
  • Local crime rates
  • The coverage options you select 
  • Claims history
  • Your deductible amount
  • Credit score (Higher score = lower premium) 
  • Year built, material type, and square footage of your home
  • The age of your roof
  • Discount qualifications (some examples include: new home construction, bundling home and auto, sprinklers, burglar alarm with central monitoring, paid in full)

One of our agents can narrow down your home insurance options in a matter of seconds by running quotes from 35+ highly-rated carriers. Comparison shopping your policy will help ensure you are getting the best price so you don’t have to compromise on coverage!

Protecting Your Home in a Natural Disaster and Extreme Weather

Unfortunately, weather-related claims and natural disasters are out of your control. If a catastrophic event happens, your home must have the right amount of coverage so you can avoid paying out of pocket for damages. Some of Abilene TX’s natural disasters are unavoidable and having the right home insurance to cover those events is simple with the help of a TGS Insurance agent.

Natural Disasters and Extreme Weather in Abilene, TX: 

  • Number of extreme weather events (1950-2010)2: 2,670
  • Most common event (1950-2010)2: Hail (1,608)
  • Number of tornadoes stronger than or equal to F2(1950-2010)2: 78

 

Common Questions About Home Insurance from Our Customers In Abilene, TX

 

Do you need home insurance if your house is paid off?

 

Regardless if you have paid off your home or not, you should always have homeowners insurance because it not only protects your home, but your personal belongings, other structures, and if you’re liable for an accident. Homeowners insurance provides a financial safety net for the things you care about most.

 

Are homeowners insurance rates going up?

 

According to ValuePenguin, it’s estimated that home insurance rates have gone up almost 47% within the past decade. This is due to rising construction costs and increased natural disasters such as wildfires and hurricanes.

 

Does homeowners insurance cover water damage?

 

Homeowners insurance will cover water damage if it’s deemed sudden or accidental. So if a pipe bursts in your home that couldn’t have been prevented, it would be covered under your insurance policy. However, floods are not covered by home insurance and require flood insurance.

 

Our Local, Independent Agents Ready to Help You With Your Abilene, TX Homeowners Insurance:

At TGS Insurance our agents take away the hassle of shopping and comparing different insurance quotes by doing it for you, all with keeping a balance of coverage and price in mind. 

We’ll even shop your policy every year at your renewal to ensure you are still keeping the same great rate every year. Our team strives to deliver an exceptional customer care experience from start to finish to make getting insured, easier than ever!

Zip Codes in Abilene, TX That We Insure:

  • 79601
  • 79602
  • 79603

Don’t see your zip code listed? Don’t worry, as long as it’s in Texas, we’ve got you covered!

Footnotes

1. Bankrate.com
2. USA.com

Home Insurance Carriers in Abilene, TX

Allstate Logo
Progressive Logo
Safeco Logo
Travelers Logo
AIG Logo
Metlife Logo
Allied Trust Logo
Maison Logo
Lighthouse Logo
Anchor Logo
 State Auto Logo
ASI Logo
The Hartford Logo
Foremost Logo
Empower Logo
TWIA Logo
National Lloyds's Logo
Liberty Specialty Logo

TGS Insurance is Abilene's Premier Home Insurance Provider

Abilene neighborhood

Abilene also known as “The Key City” is located right in the center of Texas. Though the city is home to Abilene Christian University it's anything but your typical college town. Abilene, TX also has a rich military history and is home to Dyess Air Force base. The city has a historic downtown that boasts the classic Texas welcoming spirit as well as many green spaces for residents to get outdoors!

Abilene neighborhood

TGS Insurance works with top-rated carriers and only provides the best home insurance policy at a low rate to Abilene, TX residents! As an independent agency with thousands of customers, 35+ carriers, and exceptional customer service- we win business from Abilene, TX residents every day.

Key Home Statistics in Abilene

123,420

Total Population in Abilene, TX

$130,900

Average Home Value in Abilene, TX

$42,766

Median Household Income in Abilene, TX

31

Median Age in Abilene, TX

Trust TGS Insurance in Abilene

Data as of January 20, 2021

14,000

Total
Customers

$3.10B

Total Assets Covered Projected

9,699

Total Homes Insured

5,360

Total Vehicles Insured

Local Home Resources in Abilene, TX

Fire Departments
Abilene Fire Dept250 Grape St
Abilene, TX 79601
(325) 676-6434
Abilene Fire Dept2201 S 19th St
Abilene, TX 79605
(325) 690-6723
Abilene Fire Dept1909 W Stamford St
Abilene, TX 79603
(325) 676-6694
Abilene Fire Dept901 E South 27th St
Abilene, TX 79602
(325) 690-6722
Abilene Fire Dept1250 E North 16th St
Abilene, TX 79601
(325) 676-6695
Abilene Fire Dept4317 N 10th St
Abilene, TX 79603
(325) 676-6697
Abilene-City - Permits-FireAbilene Regional Airport (ABI), Hwy 36 At Loop 322
Abilene, TX 79601
(325) 676-6434
Potosi Fire Dept1949 FM-1750
Abilene, TX 79602
(325) 692-2662
View Fire Dept108 Grand Ave
Abilene, TX 79606
(325) 690-9465
Police Departments
Abilene Police Dept450 Pecan St # B
Abilene, TX 79699
3256738331
Abilene Police Dept450 Pecan St # B
Abilene, TX 79602
3256738331
Abilene Police TrainingPo Box 174
Abilene, TX 79604
3256766537
Abilene Police Vehicle ImpoundPo Box 174
Abilene, TX 79604
3256766089
Ocala Police Department1189 2ND
ABILENE, TX 79602
325-676-6407
Taylor County Sheriff450 Pecan St
Abilene, TX 79699
3256741300
Taylor County Sheriff450 Pecan St
Abilene, TX 79602
3256741300