With TGS Insurance, Finding The Right Austin Home Insurance Policy is as Easy as 1-2-3
How Much is Home Insurance in Austin, TX?
Homeowners in Austin, TX pay an average of $1,654 a year for home insurance. TGS Insurance customers are currently paying an average of $951 a year on their home insurance in Austin which means they are saving an average of $703 per year compared to the city average! Since policies are unique to each homeowner and their home, finding the right policy for you is critical- contact TGS Insurance Agency today to save money on the right policy!
Comparing the Average Cost of Homeowners Insurance in Austin, TX By Dwelling Coverage Limit
|Coverage Level||Average Annual Premium (incl. wind coverage)|
*Data is from Help Insure from the Texas Department of Insurance. Averages are based on quotes for a homeowner with average credit with a brick home between 10-34 years of age in Austin, TX.
Building Comprehensive Austin, TX Home Insurance Coverage Tailored To Your Needs
There are many factors that determine how much you pay for home insurance but a primary factor is the coverage that you choose. Each home and situation is unique so your agent can work with you to determine which of the following coverage options you should include in your policy and how much you need to stay protected.
Protection for Your Home
Dwelling Coverage is the part of your policy that may help pay for the repairs or even rebuilding cost of the physical structure of your home if it is damaged by a covered peril such as a house fire or tornado.
Financial Protection for You and Your Family
Personal Liability Coverage helps protect you when someone is injured or if someone’s property is damaged through your own fault. When choosing your liability coverage limits, homeowners need to consider the amount of money they earn and the assets they own. This is because the personal liability coverage that you choose needs to be high enough to protect these assets should you end up facing a lawsuit.
Assistance With Medical Coverage for Others
When guests are injured on your property and you’re found at fault, you could be left paying for those lofty medical expenses without the right coverage. Your home insurance coverage covers your guests’ medical expenses by helping homeowners stay protected against lofty medical expenses. It is important to note that it does not cover health care costs for you or other members of your household.
Assistance With Additional Living Expenses
If your home becomes unlivable, you’ll likely be forced to pay for living expenses you wouldn’t ordinarily have to worry about while you are displaced such as a hotel room. If your home is in this condition because of a peril covered by your policy, this coverage is there to help you pay for those additional living expenses, including staying at a hotel, while the damage is assessed and your home is restored or rebuilt to a livable condition.
Protection for Your Personal Belongings
Your home is filled with many personal items including your clothes, electronics, furniture, and many other items of value- both monetarily and sentimentally. Personal Property Insurance helps homeowners replace these items should they become lost, stolen, or destroyed as a result of a covered loss in your policy.
Scheduled Personal Property Coverage For More Expensive Belongings
Homeowners with valuable possessions such as jewelry, fine art, antiques, or collectibles may require additional coverage. Those looking to protect such personal possessions should speak with their agent about this supplemental coverage option as your home insurance policy will only protect your valuables to a specified amount. Items and collections that are more valuable than your policy limits will require additional coverage to keep protected.
If You Rent Out Your Home
Landlords may have the option to buy optional liability coverage for the unique risks posed by tenant-occupied dwellings.
Every home is different and our independent agents at TGS Insurance Agency understand that the coverage needs of homeowners to protect their homes will also be unique. Contact us today and learn how to protect yourself and your investments with the best homeowners insurance coverage for homes in Austin, TX all provided at the lowest price available.
We’re Your “One-Stop-Shop” for Insurance – Bundle Our Services and Save!
Take advantage of the discounts provided when you bundle multiple policies, such as home and auto.
Do you need an umbrella policy?
We provide our clients with Umbrella Coverage to protect them from additional liability they may face. Your homeowners insurance may cover both medical costs and legal costs, but as both of these expenses continue to rise, umbrella coverage is an attractive option for many homeowners in Austin, TX looking to protect themselves and their finances. TGS Insurance helps homeowners in Austin, TX every day by finding the right Umbrella Coverage to meet their needs all at the lowest rate available.
Zip Codes in Austin, 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!