Brownsville Home Insurance with Better Coverage & Lower Monthly Payments!
How Much Does Brownsville, TX Homeowners Insurance Cost?
The average cost for homeowners insurance in Brownsville, TX is about $1,937 each year. At TGS Insurance, our Brownsville, TX customers pay an average of $1,591 for their home insurance, which means they are saving an average of $346 annually!
What Will A Standard Brownsville, TX Homeowners Insurance Policy Cover?
When purchasing home insurance it’s important that you fully understand your policy and what coverages you do and don’t have. Home insurance carriers are very specific in their policies under which perils they will reimburse you for should you suffer any loss. This is why it’s imperative to understand what your home insurance policy covers so you aren’t left surprised should a disaster strike. So for example, if an earthquake caused part of your home to collapse, you can only get reimbursed for the damage if your policy explicitly includes earthquake coverage. Let’s take a closer look at some of the most common home insurance coverages below:
Coverage A – Dwelling
Covers damages to a home and any structures attached to the home, as well as damage to plumbing, wiring, heating, and permanent air-conditioning systems.
Coverage B – Other Structures
Other Structures coverage protects any structures that are not connected to the home. This includes free-standing sheds, fences, guest homes, and detached garages.
Coverage C – Personal Property
Personal Property coverage reimburses homeowners for the value of damaged, lost, or stolen belongings, including furniture, clothing, computers, and other electronics.
Coverage D – Loss of Use
In the event that your home sustains damage by a covered event and the home repairs prevent you from living in your home, Loss of Use coverage will cover your living expenses, such as hotel stays, for the duration of the repair process.
Coverage E – Personal Liability
If you’re sued and found responsible, Personal Liability Coverage would pay for the claims for a visitor’s injuries or property damage to a neighbor’s property up to your coverage limit.
Coverage F – Medical Payments to Others
This coverage helps to take care of medical expenses when a guest has sustained an injury while on your property. It is important to note that a medical payments claim can not be filed for anyone who lives on the property.
At TGS Insurance Agency, our independent agents are dedicated to working with you to build an insurance policy that is tailored to your specific needs- including helping you determine what level of each type of coverage you need to be fully protected.
Common Additional Home Coverages in Brownsville, TX
Flood Insurance: Flood insurance protects your home and personal belongings from damages caused by rising waters from tropical storms, hurricanes, or heavy rainfall. Water damage due to a flood is not covered by your standard homeowners insurance policy and the only way to ensure you are protected from flood damage is to purchase a flood insurance policy. The average cost for flood insurance in Texas is about $634 per year, but that price can fluctuate depending on where you live. At TGS Insurance, we shop your flood insurance policy through our bank of government and private carriers to find you a low rate so you can stay protected at a great price without compromising on coverage.
Hail/Windstorm Coverage: Brownsville, TX is located just along the Gulf of Mexico, and homeowners in this area are all too familiar with the damaging and destructive weather that can batter the Texas coastline, especially wind and hail. It’s important for Brownsville, TX residents to have the proper hail/windstorm protection from events such as tropical storms, hurricanes, and even severe thunderstorms in your home insurance policy, so you’re not left paying for hefty repair bills out-of-pocket. At TGS Insurance we believe in providing you with the right protection so that is why we include a 2% hail/wind deductible into every policy we write!.
Umbrella Insurance: Umbrella insurance is an extra layer of financial protection to protect your assets from a lawsuit should your worth exceed your home insurance liability limits. This insurance offers a wide range of coverage for claims such as injuries, lawsuits, property damage, and personal liability situations. On average, umbrella insurance can cost anywhere between $150-$350 per year for $1 million in coverage and an additional $100 per million after.
We’re Your “One-Stop-Shop” for Insurance – Bundle Our Services and Save!
When you bundle your insurance policies together, it opens the door for so many discounts! You can save substantially when you bundle your home and auto policies together, with some as much as 16%. Do you need mold/fungi coverage? Is your boat protected by your home policy? Talk to your agent about your other insurance needs for bundling opportunities!
Zip Codes in Brownsville, 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!