TGS Insurance is Your Trusted Home Insurance Partner in Bryan, TX
How Much Does Bryan, TX Homeowners Insurance Cost?
Homeowners insurance is tailored to you and your home’s specifications. It is likely to be different from anyone else’s because it’s unique to you and your needs. That being said, let’s look at average annual home insurance premiums:
*The average TGS Insurance customer saves $870 a year on their home insurance!
While your home insurance rates can differ from the averages, it doesn’t hurt to compare. It can help to see where your home premiums lie and if there are factors you can change. Every carrier looks at specific criteria when determining your insurance cost. Some elements are outside of your control, while you can improve others. Let’s look at what the carrier rating factors include:
- Weather (is your area prone to any natural disasters such as hurricanes or tornados?)
- Local crime rates
- Your claims history
- The coverages you select
- Your credit score
- The year, construction type, and square footage of your home
- If you qualify for any discounts
An independent agent with TGS Insurance can help narrow down your home coverage search by running quotes with 35+ A-rated carriers at once! This will ensure you’re getting the best pricing and insurance without all the hassle.
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 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
Windstorm/Hail Coverage is a critical coverage in Bryan, TX. Homeowners insurance policies help protect you against the damage brought from extreme wind and hail events. 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. 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!
Common Home Insurance Questions from Our Customers in Bryan
Is foundation repair covered under homeowners insurance?
Foundation repair is covered by your homeowners insurance but it depends on the cause of the damage. For instance, if you have a foundation that is damaged from a fire, you’ll likely find that you are protected whereas damage from a flood will most likely mean you’ll need a flood insurance policy to stay protected. To learn more about if your home is covered, speak with your insurance agent to better understand your individual home insurance policy.
Are fires covered by home insurance?
Yes, fires, one of the more costly events a homeowner may contend with, are covered by your home insurance policy. Though rare, fires are possibly the most extreme reason home insurance is so important, even for homes that are paid off. We always recommend having a proper home insurance policy to remain protected from such events.
Will homeowners insurance cover water damage?
Flooding is not covered by your homeowners insurance, however, if the damage is from a sudden, covered peril, water damage will be covered. An example of this would be rain entering your home from a roof damaged during a windstorm. Water damage caused by routine wear and tear is also not covered by your homeowners insurance.
Zip Codes in Bryan, 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!