Stop Overpaying for Your Home Insurance in Bryan, Texas
How Much Does Bryan Homeowners Insurance Cost?
The average cost of home insurance in Bryan, TX is $1,256 per year among TGS Insurance Agency customers which is $402 cheaper than the area’s average of $1,658. Our independent agents work to build a policy to meet your coverage needs then shops it across several a-rated (or better) carriers to assure you get the best rates. To see how much you could be saving, provide your address above for a free instant quote!
Comparing Bryan Home Insurance Quotes by Home Value
One factor that influences the amount of coverage you need is the value of your home. Typically, the higher the cost to rebuild your home as it currently is, the higher your premium will be. Below is a comparison of the average home insurance quote from TGS Insurance Agency in Bryan by home value. Home values are rounded to the nearest $25,000 so $300,000 includes homes in the $275,000 to $325,000 range, etc.
| Home Value | Average Annual Premium (incl. Wind Coverage) |
|---|---|
| $300,000 | $1,130 |
| $350,000 | $1,180 |
| $400,000 | $1,236 |
| $450,000 | $1,309 |
| $500,000 | $1,393 |
Factors That Affect Home Insurance Costs in Bryan, Texas
There are several factors that influence the cost of your home insurance- some are personal factors specific to you and other are specific to your home and its location. The list of potential factors being assessed is lengthy and varies by carrier but some of the most common factors that impact your home insurance premium are:
- Weather in your area (is your area prone to any natural disasters such as hurricanes or tornados?)
- Local crime rates
- Distance to nearest firehouse
- Distance to the nearest body of water
- Your claims history
- Your credit score
- The replacement cost of your home
- The age and condition of your roof
- The presence of a pool or trampoline on your property
- The coverages you select
- Your discount eligibility
The use of a unique formula is why premiums vary from carrier to carrier and why it is so important to shop around to make sure you are getting the best rate for the coverage you need!
Common Homeowners Insurance Endorsements in Bryan, TX
Jewelry, Fine Arts & Collectibles Coverage
This coverage picks up where your home insurance coverage leaves off. If you are looking to insure jewelry or other collectibles, most home insurance policies will have a set limit, typically $2,500, to protect such valuables. For pieces or collections that require larger coverage limits, you may be at risk without the proper additional coverage to protect your possessions. TGS Insurance provides our clients with home coverage options that are designed to cover higher valued items.
Umbrella Coverage
Umbrella Coverage helps protect you against liability claims which may be beyond your initial home insurance coverage. As costs continue to rise, there is more and more incentive to purchase additional coverage and to remain protected. Umbrella coverage helps homeowners protect against liabilities that are beyond normal claim limits.
Windstorm and Hail Coverage
Considering that homeowners in Bryan, TX are exposed to severe thunderstorms which can produce tornadoes and hail as well as the remnants of hurricanes and tropical storms, this is a critical coverage for the area. TGS Insurance understands the importance of these policies and automatically writes in this protection with a 2% deductible for our clients. With TGS Insurance, your policy can be customized to fit your needs- it’s customizable home insurance built for you!
Zip Codes in Bryan, TX That We Insure:
| 77801 | 77803 | 77806 | 77808 |
| 77802 | 77805 | 77807 |
Don’t see your zip code listed? Don’t worry, as long as it’s in Texas, we’ve got you covered!
