Blue Mound Homeowners Insurance Made Easy with Quick, Accurate Quotes!
How Much Does Blue Mound Homeowners Insurance Cost?
The average cost for home insurance in Blue Mound is $1,642 for TGS Insurance Agency customers. While every policy is different and dependent on multiple factors, including your home’s value and the type of coverage you get, we have proudly been able to save our Texas customers an average of $870 per year on their home insurance premiums when they switch to us. Finding out how much you can be saving is as easy as providing your address above for an instant quote– really!
Comparing Home Insurance Premiums in Blue Mound by Home Value
Below is a comparison of the average home insurance quote from TGS Insurance Agency in Blue Mound, 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 | $1,478 |
| $200,000 | $1,594 |
| $250,000 | $1,826 |
| $300,000 | $2,095 |
| $350,000 | $2,314 |
| $400,000 | $2,674 |
| $500,000 | $2,651 |
Calculating Premiums for Home Insurance in Blue Mound, TX
Insurance carriers use a set of calculations to determine the risk they’ll take on insuring your home. The higher the risk, the higher your premium will be. Each carrier calculates this differently, but there are a few factors that are pretty much the same across the board.
The first thing insurance carriers look at are property-specific factors such as the location, size, and age of your home. Regional factors include the average home value in your neighborhood, your area’s crime rates, and common weather perils in your area like hurricanes or tornadoes.
If your home is located in a high-crime area, you should expect to pay more on your premium and likewise if your home is located in a high-risk flood zone or on a flood plain. The higher the risk, the higher the rate.
Homeowners aren’t left empty-handed with no options though, there are several ways you can lower your premium, so be sure to always ask your insurance agent for discounts. Popular ways to get discounts are installing a home security system, surveillance cameras, and motion-sensor lights! Plus, if you have good credit you can see substantial savings as well.
Additional Coverages Recommended for Homes in Blue Mound:
Windstorm and Hail Coverage: The Dallas and DFW area is generally considered a part of Tornado Alley and sees about 25 tornadoes per year on average. Tornadoes and even just severe thunderstorms can bring devastating hail and wind damage that could result in thousands of dollars in repairs. At TGS Insurance, we want you to have peace of mind during any event that you’re protected, which is why we automatically include a 2% wind/hail deductible into every homeowners insurance policy we write for Blue Mound, TX homeowners.
Water Backup: Clogged sewer lines, backed-up drains, and broken sump pumps can be expensive repairs and without the right coverage, left for the homeowner to pay for. A water backup policy add-on is a great way to get coverage for those unexpected events and can cost anywhere between $50-$250 per year, depending on how much protection you want. TGS Insurance offers customers water backup coverage that can help protect damages starting at $5,000.
Umbrella policies: The average homeowners insurance policy offers a liability limit of $250,000 with limits up to $500,000. Umbrella policies are there to protect you should you be sued and the claim exceeds your home, auto, or watercraft policy liability limits. If you’re looking for a way to protect all that you’ve worked for, an umbrella policy is a great way to do so.
The Advantages of Partnering with TGS Insurance Agency:
- TGS Insurance doesn’t believe customers should have to sacrifice good insurance coverage just for a great rate, and vice versa. We shop and compare your policy across 35+ A-rated carriers to find you a policy that fits both your needs and budget.
- Our customer care team will service your account from start to finish, we don’t just stop at a great quote. We’ll help complete your enrollment process, cancel any existing policies you have, and even work with your mortgage lender. We deliver an easy, stress-free approach to getting insured!
- Once you’re a TGS insurance customer, you’ll always save on homeowners insurance year after year. We’ll assign you a dedicated agent to service your account with whatever you need. From helping you file a claim and answering questions- we’re here for you. Your agent will even monitor your rate for changes and if it were to go up, we’ll shop your policy all over again to find you the best deal with the same great coverage.
Zip Codes in Blue Mound, TX That We Insure:
- 76131
Don’t see your zip code listed? Don’t worry, as long as it’s in Texas, we’ve got you covered!
