TGS Insurance is Your Trusted Home Insurance Partner in Amarillo, TX
How Much Does Amarillo Home Insurance Cost?
The average annual home insurance premium paid by TGS Insurance customers in Amarillo is $1,076. This average is based on policies with an average home value of $277,043. Home insurance varies from home to home because it is tailored to your specific home and coverage needs.
Every insurance carrier has its own formula for calculating rates, but they all take into consideration how much risk they’ll take on when insuring your home. Here are some factors they may consider:
- Local crime rates in your area
- Weather (if your area is high-risk to natural disasters like hurricanes or tornadoes)
- The amount of coverage you want
- Claims history
- Year built, construction type, and square footage of your home
- Roof age and condition
- Remodeling history
- Proximity to a fire station
- Proximity to a coastline or other body of water
While these factors cause every home insurance policy to be unique, we have proudly been able to save our customers throughout Texas an average of $870 per year when they make the switch to us. At TGS Insurance, we shop and compare your home insurance policy from 35+ highly-rated carriers to find you a policy that is both balanced in coverage and price. To see how much you could be saving, start with a free quote by entering your address above!
Comparing The Cost of Homeowners Insurance in Amarillo By Home Value
Below is a comparison of the average home insurance quote from TGS Insurance Agency in Beaumont, by home value. Home value is one of many factors that influences your home insurance rate. Below, home values are rounded to the nearest $25,000 so $150,000 includes homes in the $125,000 to $175,000 range, etc.
| Home Value | Average Annual Premium (incl. Wind Coverage) |
|---|---|
| $150,000 | $870 |
| $200,000 | $881 |
| $250,000 | $1,009 |
| $300,000 | $1,119 |
| $350,000 | $1,268 |
| $400,000 | $1,369 |
| $450,000 | $1,435 |
| $500,000 | $1,614 |
| $550,000 | $1,701 |
| $600,000 | $1,838 |
| $650,000 | $2,066 |
| $700,000 | $2,107 |
| $750,000 | $2,324 |
| $800,000 | $2,257 |
| $850,000 | $2,745 |
| $900,000 | $2,391 |
| $950,000 | $2,687 |
Protecting Your Home in a Natural Disaster and Extreme Weather
Unfortunately, there is no way to avoid some weather-related claims because natural disasters are just a part of life. If your home encounters a devastating event such as a hurricane or tornado, it’s important that you have the right amount of coverage so you don’t have to pay out-of-pocket for damages. Though you can’t escape the unexpected, having the right home insurance policy in place from TGS Insurance will provide peace of mind knowing you’re protected in any event!
Natural Disasters and Extreme Weather in Amarillo, TX:
- Number of extreme weather events (1950-2010)1: 4,146
- Most common event (1950-2010)1: Hail (3,053)
- Number of tornadoes stronger than or equal to F2 (1950-2010)1: 61
Common Home Insurance Questions from Our Customers In Amarillo, TX
Does Amaraillo homeowners insurance cover tree damage?
Your homeowners insurance policy will cover the costs incurred from tree damage if the damage came from a named peril, such as a storm or lightning.
Does homeowners insurance cover lost jewelry?
If your jewelry is lost or damaged because of theft or fire, then it is covered by your homeowners insurance policy. If you have high-value items that exceed your standard homeowners insurance policy limits, you’ll need to purchase Jewelry Insurance to ensure those items are fully covered.
Are fires covered by home insurance?
Home insurance will cover the losses associated with fire if the fire was started accidentally from a named peril such as lightning or was deemed unpreventable. You also have loss-of-use in your policy, which will cover the cost of a hotel if your home is deemed unlivable due to a fire.
Our Local, Independent Agents Ready to Help You With Your Amarillo, TX Homeowners Insurance:
At TGS Insurance Agency, you’re not just a policyholder, you’re our client and we work for YOU, not the insurance carrier. Our agents will work diligently to always ensure you have the best homeowners insurance policy for all of your needs at the best price available. Our value exceeds just a good quote; we take care of any customer service needs you may have as well as shop your policy every year when it’s time to renew to always make sure you’ve got the best policy for your home. Get started with a FREE instant quote by entering your address above!
Zip Codes in Amarillo, TX That We Insure:
- 79101
- 79102
- 79103
Don’t see your zip code listed? Don’t worry, as long as it’s in Texas, we’ve got you covered!
Footnotes
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