Comparison Shop Home Insurance in Baytown, TX from Multiple A-Rated Carriers in Minutes!
As an independent insurance agency, we don’t work for just one insurance company, we work for you! When you input your address, we’ll shop our bank of top carriers to find you the best policy at an exceptional rate.
How Much is Home Insurance in Baytown, TX?
The average cost of homeowners insurance in Baytown is about $2,537/year. The average TGS Insurance policy for Baytown is $1,849 which means our customers are saving an average of $688 per year. In just a few minutes, you could be saving too!
How Much is Flood Insurance in Baytown, TX?
The average cost of flood insurance in Texas is $634 per year through the National Flood Insurance Program (NFIP). On average, TGS Insurance customers in Baytown pay $496 per year- that’s a total average savings of $138 per year! The average flood insurance policy takes 30 days to go into effect and some policies won’t be written due to storms, so don’t put it off and get your flood insurance policy in Baytown, Texas.
What does Baytown Home Insurance Cover?
Baytown homeowners insurance offers you financial protection and peace-of-mind knowing that your home and personal belongings will always be covered in the event a devastating or weather-related event occurs. The standard Baytown homeowners insurance policy protects your home and any detached structures as well as any personal belongings such as furniture, electronics, jewelry, and other valuables. Homeowners insurance policies also include liability coverage in the event someone is injured while visiting your property and financial assistance should your home become uninhabitable.
Additional Coverages for Your Baytown Home Insurance Policy
Baytown homeowners commonly face weather-related challenges that need to be addressed in your home insurance coverage. Most policies will protect you from common perils such as explosions, fire, hailstorms, theft, vandalism, and windstorms unless it’s specifically excluded. Unfortunately, flood damage is not covered by your standard homeowners insurance policy and you’ll need to purchase a separate flood policy to ensure you’re fully protected against anything.
Insurance Coverage for Hail Damage in Baytown
Baytown, TX has had over 17 severe weather warnings within the past 12 months with 6 of those storms producing hail. Hail storms can lead to extensive damages and leave you with costly repairs on your home and roof. And unfortunately, hail damage is sometimes excluded as a covered peril in your homeowners insurance policy.
THE TGS DIFFERENCE: We want you to feel confident knowing you’re protected for anything, which is why we automatically write-in hail protection as part of your standard Baytown home insurance policy, with a 2% hail/windstorm deductible that can be customized for your preference.
Insurance Coverage for Windstorm Damage in Baytown
Windstorms are very common in the Texas area and Baytown has experienced severe ones in the past, which is why all Baytown homeowners should consider adding windstorm insurance as part of their homeowners policy. Windstorm coverage will provide you with financial protection if your home takes on damage due to a tornado, hurricane, tropical storm, or other peril named in your policy.
THE TGS DIFFERENCE: We believe you should have coverage for any event, and that includes windstorms. We automatically include windstorm coverage to all of our Baytown homeowners insurance policies with a 2% windstorm/hail deductible. We can simply add or remove windstorm coverage based on your preference. Getting windstorm coverage has never been easier!
Insurance Coverage for Flood Damage in Baytown
Hurricane Harvey was a catastrophic event that proved that every homeowner in Baytown is vulnerable to flood damage no matter where you live. In Baytown, flood insurance can cost anywhere between $400-2,000 a year depending on where you live. The average TGS Insurance flood insurance policy in Baytown can cost around $496 per year. Homeowners in Baytown, TX can easily bundle their homeowners insurance with their flood insurance policy for the most protection at the best rate!