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Bastrop Home Insurance with TGS Insurance: Faster. Better. Cheaper.

 

How Much is Home Insurance in Bastrop, Texas? 

 
Homeowners insurance in Bastrop, TX is about $1,189 per year, which is about $2,240 under the Texas statewide average of $3,429. At TGS Insurance, our average customer saves over $870 per year! 

 

What Does Home Insurance in Bastrop, Texas Cover? 

 
Homeowners insurance offers financial protection for your home and personal belongings from accidents, disasters, and theft. The standard homeowners insurance policy includes six types of coverage that protect your home, personal possessions, and any liability claims. Let’s take a closer look at those six core pieces that make up your standard HO-3 home insurance policy: 

 

Dwelling Coverage

This coverage will protect the physical structure of your home in the event it is damaged or demolished due to a covered peril listed on your policy. 

 

Other Structures Coverage 

This coverage covers the costs for structures that are not connected to your home, such as your fence, shed, detached garage, or guest house.

 

Personal Property Coverage

Personal property coverage protects anything you own, like your clothing, electronics, jewelry, etc. 

 

Loss-Of-Use Coverage

Also referred to as additional living expenses, this coverage provides financial assistance for you to live somewhere else temporarily while your home is being repaired or rebuilt and is not liveable. 

 

Personal Liability Coverage

If you or a member of your household are responsible for a guest’s injury or damage to your neighbor’s personal property, personal liability coverage would cover any legal fees and expenses that you may incur up to a certain limit. 

 

Medical Payments Coverage

This coverage is meant to pay for medical bills for others who are accidentally injured on your property, regardless of who is at fault. This does not apply to members of your household.
 

Home Insurance by Coverage in Bastrop, Texas

 
It’s always recommended to compare your home insurance premium against the averages in your area. This will help determine if you’re over or underinsured- neither of which is a good thing. If you’re paying way below the average, you could be underinsured, which means you’d be financially liable for anything that exceeds your policy limits. If your home insurance rate exceeds the average, you’re either overpaying for insurance, or you’re carrying more coverage than you actually need. 

Coverage AmountAverage Annual Premium (incl. Wind Coverage)
$75,000$1,104
$150,000$1,496
$200,000$1,754
$350,000$2,506

*We used the Texas Department of Insurance to calculate premiums. Methodology based on a homeowner with average credit, owns their home, no claims within the past 5 years, age of house is 10 to 34 years made of brick and includes windstorm coverage. 

 

Popular Home Insurance Policy Endorsements in Bastrop, Texas

The standard home insurance policy only covers the basics, but should you be looking to fill any gaps in coverage policy endorsements are a great way to go. Let’s take a look at the most common home insurance endorsements in Bastrop, Texas: 

  • Water Backup Coverage: Water backup damages are one of the most common accidents in homes and not usually covered in your standard home insurance policy. A water backup endorsement protects your home and personal belongings from a drainage or sewage backup or a broken sump pump. This policy typically ranges from $20 to $50 a year with coverages starting at $5,000. At TGS Insurance, our customers pay about $25 a year for this policy endorsement. 
  • Equipment Breakdown Coverage: Equipment breakdown coverage protects household appliances and systems if they are damaged due to a mechanical or electrical loss. This policy add-on protects everything from furnaces to refrigerators to home entertainment systems in the event they break down. Equipment breakdown coverage ranges from $20-$50 per year with about $50,000 in coverage, and most insurers have a deductible of $250-$500. 
  • Scheduled Personal Property Coverage: If you’ve got valuables that exceed the limits of your personal property coverage, like antiques, artwork, firearms, jewelry, etc., you may want to consider scheduled personal property coverage. This policy endorsement picks up where your home insurance policy leaves off, so you’re not left to pick up the pieces and replace your high-value items by yourself. Scheduled personal property coverage can vary but it’s about 1% to 2% of the item’s total value. 

 

Why Buy Home Insurance in Bastrop, Texas with TGS Insurance Agency  

 

At TGS Insurance Agency, we don’t believe our customers should ever have to compromise on coverage just to save money on their home insurance premium. This is why we shop and compare your policy across our suite of 35+ A-rated (or better) carriers to ensure you’re getting the best home insurance policy on the market that’s balanced in both coverage and value. 

 

Our services don’t stop there, our customer care team will take care of everything throughout the whole process for a hassle-free insurance shopping experience. Your dedicated agent will handle the enrollment process, cancel any existing policies, as well as work with your mortgage lender to set up payment for a seamless transition. 

 

The best way you can save on your home insurance is to shop your policy each year. But we know that can be tedious and time-consuming, which is why we do it for you! Every year when it’s time for renewal, your TGS agent will re-shop your policy to make sure you’re still getting the best coverage, at the cheapest rate available. 

 

Shopping for home insurance in Bastrop, Texas has never been easier than with TGS Insurance! Our average customer saves $870 a year, don’t wait to see how much you could be saving! 

 

Zip Codes in Bastrop, Texas That We Insure:

 

  • 78602

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

Home Insurance Carriers in Bastrop, TX

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Anchor Logo
 State Auto Logo
ASI Logo
The Hartford Logo
Foremost Logo
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National Lloyds's Logo
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TGS Insurance is Bastrop's Premier Home Insurance Provider

Bastrop neighborhood

Bastrop, TX is southeast of Austin located along the Colorado River. Small town living is provided to its residents with larger city amenities only a short car ride away. This beautiful city is home to many recreational wonders that Hill Country is known for including Lake Bastrop, the Bastrop State Park, and various parks along the river. A historic city, Bastrop, TX homeowners can enjoy the quiet life and reconnect with nature. TGS Insurance is one of the top home insurance providers for Bastrop, TX homeowners.

Bastrop neighborhood

TGS Insurance assists homeowners in Bastrop, TX by helping them find the right homeowners insurance policy. Homeowners living in Bastrop, TX are all in need of the same thing - the best home insurance coverage available for the lowest price on the market. As an independent insurance provider in the state of Texas, TGS Insurance wins business in Bastrop, TX every day through amazing customer service and our dedicated relationships with 35+ top-rated insurance carriers.

Key Home Statistics in Bastrop

9,242

Total Population in Bastrop, TX

$196,400

Average Home Value in Bastrop, TX

$56,425

Median Household Income in Bastrop, TX

36

Median Age in Bastrop, TX

Trust TGS Insurance in Bastrop

Data as of August 01, 2021

15,000

Total
Customers

$4.27B

Total Assets Covered Projected

13,700

Total Homes Insured

5,200

Total Vehicles Insured

Local Home Resources in Bastrop, TX

Fire Departments
Bastrop Fire Dept802 Chestnut St
Bastrop, TX 78602
(512) 321-5550
Bastrop Fire Dept904 Water St
Bastrop, TX 78602
(512) 321-1315
Lake Bastrop Volunteer Fire103 Indian Oak Dr
Bastrop, TX 78602
(512) 321-2266
Paige Volunteer Fire Dept168 Washington St
Bastrop, TX
(512) 253-6516
Police Departments
Bastrop City - Police Department- Animal Shelter104 Grady Tuck Ln
Bastrop, TX 78602
(512) 321-5550
Bastrop County Highway Patrol305 Eskew St
Bastrop, TX 78602
5125814250
Bastrop Police Dept104 Grady Tuck Ln
Bastrop, TX 78602
5123215550
Bastrop Police Dept104 Grady Tuck Ln
Bastrop, TX 78602-4121
512-321-5550
Bastrop Police Dept802 Chestnut St
Bastrop, TX 78602-3205
512-321-5550
County Sheriff200 Jackson St
Bastrop, TX 78602
5123031080