We Shop 35+ Carriers to Find You The Best Deal on Your Abilene Home Insurance Every Time
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:
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:
Don’t see your zip code listed? Don’t worry, as long as it’s in Texas, we’ve got you covered!