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Buda Home Insurance with TGS Insurance: Faster. Better. Cheaper.

 

How Much is Home Insurance in Buda, Texas? 

The average cost of home insurance in Buda is $1,104 among TGS Insurance customers. This average includes windstorm and hail coverage and is based on policies with an average home value of $369,419. The average paid by TGS customers in Buda is $789 less than the area average of $1,893. Seeing how much you could be saving on your Buda home insurance is as easy as entering your address above for a free instant quote

What Does Home Insurance in Buda, Texas Cover? 

Your home insurance policy is made up of six basic components and then can be customized further with policy endorsements based on your coverage needs. Your home insurance policy is meant to protect your dwelling, other structures on your property, personal property, and any liability claims. Let’s review the core pieces that make up your basic HO-3 home insurance policy: 

 

Dwelling Coverage

Dwelling coverage covers your home’s structure- basically anything that’s attached to your home, walls, ceilings, roof, etc. When determining your coverage amount, your dwelling coverage should always equal the replacement cost of your home based on current building costs, and not what your home is worth. Not having enough financial coverage will result in you paying for the cost of a rebuild or repairs that exceed your policy limits. 

 

Other Structures Coverage 

This coverage will protect any structures not directly attached to your home, like a detached garage, shed, or fence.

 

Personal Property Coverage

Personal property coverage will protect all of your personal belongings, including items like clothing, electronics, furniture, and jewelry. 

 

Loss-Of-Use Coverage

If your home is deemed unlivable after a loss and repairs need to be made, loss-of-use coverage would provide financial compensation for any living expenses incurred until you can move back home. 

 

Personal Liability Coverage

If someone were to become injured on your property, or you’re responsible for damage to someone else’s property, personal liability coverage would provide financial coverage for any legal expenses should you be sued and found responsible.

 

Medical Payments Coverage

This will help pay for small injuries or hospital bills for guests who are injured on your property, regardless of who is at fault. 

 

Home Insurance by Coverage Amount in Buda, Texas

It’s always good to compare your home insurance policy to the averages because it can help you determine if you’re overinsured or underinsured. For example, if you’re paying far above the average, you’re likely overpaying for insurance or you’re just overinsured. However, if you’re paying well-below the average, you may not be carrying enough coverage leaving you underinsured. Let’s take a look at the average home insurance policy premium by coverage amount in Buda, Texas:

Coverage AmountAverage Annual Premium
$75,000$984
$150,000$1,301
$200,000$1,509
$350,000$2,140
*We used the Texas Department of Insurance to calculate premiums. Methodology based on a homeowner with average credit, owns their home, no claims within the past 5 years, age of house is 10 to 34 years made of brick and includes windstorm coverage.

Popular Home Insurance Policy Endorsements in Buda, Texas

Your home insurance policy will cover the basics, but what if you’re looking for additional protection outside of that? Let’s review some of the most common home insurance policy endorsements in Buda, Texas: 

 

  • Water Backup Coverage: This type of coverage protects your home and personal property from water damage caused by backed-up sewage systems, broken sump pumps, and backed-up drains. This policy add-on costs anywhere between $20-$50 per year, with coverages starting at $5,000. At TGS Insurance, our average customer pays $25 per year for water backup coverage. 
  • Equipment Breakdown Coverage: This policy add-on offers coverage for household appliances and systems if they become damaged due to a mechanical or electrical failure. Items include washers and dryers, ovens and microwaves, and water heaters- just to name a few. An equipment breakdown policy endorsement is about $20-$50 per year with about $50,000 in coverage, and most insurers have a deductible of $250-$500. 
  • Scheduled Personal Property Coverage: Your home insurance policy will cover your personal property up to a certain limit. This is why scheduled personal property is a popular endorsement for those looking for extra financial protection on items such as art, antiques, jewelry, silver or gold, electronics, furs, firearms, technology items, and musical instruments. The cost of scheduled personal property coverage is going to be about 1% to 2% of the item’s total value. 

 

Why Buy Home Insurance in Buda, Texas with TGS Insurance 

 

At TGS Insurance, we don’t believe customers should have to sacrifice a great home insurance policy for a cheaper rate, and vice versa. We shop your policy with over 35+ carriers to find you a policy that perfectly suits your needs and budget. 

We don’t just stop at a great quote either, our customer care team will handle everything from start to finish for a seamless, stress-free shopping experience. We’ll help complete your enrollment process, cancel any existing policies, and even work with your mortgage lender for a smooth transition. We pride ourselves on delivering an easy approach to getting (and staying) insured! 

The key to saving the most on home insurance is to continuously shop your policy year after year. At TGS Insurance, we will handle that for you. When it’s time for renewal, we shop your policy across our bank of carriers to ensure you’re always paying the lowest rate on the market, with either the same or even better coverage. 

Shopping for home insurance in Buda, Texas has never been easier than with TGS Insurance! Our average customer saves $870 a year, don’t wait to see how much you could be saving! 

 

Zip Codes in Buda, Texas That We Insure:

  • 78610 

Don’t see your zip code listed? Don’t worry, as long as it’s in Texas, we’ve got you covered!

Home Insurance Carriers in Buda, TX

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Anchor Logo
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TGS Insurance is Buda's Premier Home Insurance Provider

Buda neighborhood

Buda, TX is one of Austin's fastest-growing suburbs and it's easy to see why. Nestled along the I-35 corridor, Buda, TX is just a few minutes south of Austin and a quick drive away from San Antonio. The city boasts a scenic environment for all to enjoy and residents have easy access to the big-city amenities Austin has to offer, while still being able to retreat to a hill country-like community. TGS Insurance is proud to be one of the leading home insurance providers for Buda, TX residents!

Buda neighborhood

All Buda, TX homeowners want the same thing- an exceptional home insurance policy at a great rate. At TGS Insurance, we will shop your home insurance policy across our bank of 35+ A-rated (or better) carriers to find you a policy that's perfectly balanced in the coverage you want at a price that doesn't break the bank. Through our great policies, extensive industry knowledge, and top-notch customer service- we win business from Buda, TX residents every day!

Key Home Statistics in Buda

16,906

Total Population in Buda, TX

$257,800

Average Home Value in Buda, TX

$89,688

Median Household Income in Buda, TX

32

Median Age in Buda, TX

Trust TGS Insurance in Buda

Data as of August 01, 2021

15,000

Total
Customers

$4.27B

Total Assets Covered Projected

13,700

Total Homes Insured

5,200

Total Vehicles Insured

Major Neighborhoods in Buda, TX

Image of Cimarron Park Neighborhood

Cimarron Park

Cimarron Park is an established community located just east of FM 1626. The neighborhood has a swimming pool for homeowners to enjoy and is close to many dining, shopping, and entertainment options!

Image of Elliott Ranch Neighborhood

Elliott Ranch

Elliott Ranch is a gated community between Little Bear Road and Oak Grove Road. Homeowners can enjoy a rural, quiet atmosphere and a private 87-acre greenbelt while still being close to all the restaurants, shops, antiquing, and outdoor activities that Austin has to offer.

Image of Harvest Meadows  Neighborhood

Harvest Meadows

Harvest Meadows is a master-planned townhome community located in the heart of Buda, TX. The family-friendly neighborhood has a covered pavilion, playscape, dog park, fitness stations, and pool for everyone to enjoy.

Image of The Meadows at Shadow Creek Neighborhood

The Meadows at Shadow Creek

The Meadows at Shadow Creek can be found just off of Windy Hill Road not too far from I-35. The small community is just minutes away from local Buda shopping, dining, and outdoor recreational activities.

Image of Summer Pointe Neighborhood

Summer Pointe

Summer Pointe is a beautiful family-friendly neighborhood nestled just between County Road 147 and FM 1626. Residents of this subdivision have easy access to Whispering Hollow Park, as well as many of Buda's local shops and eateries.

Image of Whispering Hollow  Neighborhood

Whispering Hollow

Whispering Hollow is located just off of Old Colony Black Road. Homeowners in this community have wonderful neighborhood amenities to enjoy including a pool, pavillion, and playground, and are close to Whispering Hollows Park and Garlic Creek Park!

Local Home Resources in Buda, TX

Fire Departments
Buda Fire Dept3502 Ranch Road 967
Buda, TX 78610
(512) 295-4248
Buda Volunteer Fire Dept209 Jack C Hays Trl
Buda, TX 78610
(512) 295-2232
Fire Dept-To Report Fires Only206 Jack C Hays Trl
Buda, TX 78610
(512) 295-2232
Police Departments
Buda Police Dept100 Houston St # B
Buda, TX 78610
5123121001