Get Carrollton, TX Home Insurance Tailored to your Needs
When it Comes to Carrollton Homeowners Insurance, Texas Property Owners Can Rely on TGS Insurance Agency for Personalized Coverage.
A basic homeowners insurance policy will cover the following:
- Your home’s structure
- Replacement costs
- A limited amount of personal items
- Living expenses in case of a disaster such as a flood, fire, or severe windstorm.
- Liability in the event of an injury occurring on your property
You can purchase supplemental policies to add to your home insurance suite such as:
- Valuable Articles/Floater policies (i.e. Jewelry Insurance)
- Flood policies
- Windstorm/hail coverage
- Umbrella policies (additional liability)
- Animal Liability (liability issues due to household pets)
Carrollton Home Ownership Costs
In Carrollton, TX, home insurance premiums average $1,218 annually, which is just under the national average of $2,305 per year. Texas comes in with the 5th highest average insurance premiums in the country.
Median Home Value (owner-occupied)1: $217,700
Household Income1: $75,820
Are you a first-time homeowner? Or maybe you are simply looking to reevaluate your home insurance costs? Either way, TGS Insurance is here to help you find the right policy for your home. Our average customer saves around $870 per year!
Most Popular Additional Home Coverages in Carrollton, TX:
Windstorm and Hail Coverage: Tornadoes, severe thunderstorms, even tropical storms pose a major threat to homes in Carrollton, TX. These weather events can produce wind and hail damage that can require costly repairs to your property and without the right coverage, you’ll be stuck paying for them out of pocket. At TGS Insurance, we believe you should be prepared for anything and that includes wind and hail damage. This is why we automatically include a 2% deductible for any windstorm/hail damage in every homeowners insurance policy we write.
Water Backup: Your home may be protected from flooding with a flood insurance policy, but water damage from inside of your home due to sewer or drainage backup can also cost you thousands of dollars. Luckily, TGS Insurance provides add-on protection that can help you restore up to $5,000 worth of damages.
Flood Insurance: A flood event can be wildly unpredictable and cost an extraordinary amount to recover from. Considering 20-25% of flood claims come from homes outside of flood zones, adding flood coverage to protect your home is an important policy for every homeowner.
Most Common Carrollton, TX Home Insurance Questions from Our Clients
Do you need home insurance if your house is paid off?
While it may not be required, it is always wise to have. Do you want to replace the cost of everything you own inside as well as paying for your home all over again in the event of a fire or any other peril? Building costs and home values typically increase as time goes by meaning you will pay even more. Always protect yourself and your home with a home insurance policy, even if your home is paid off.
Does homeowners insurance cover tree damage?
Your homeowners insurance policy will cover tree damage sustained by a natural peril such as wind. It will also include protection for an attached garage, but for detached structures such as sheds and fences, you’ll need an additional add-on to cover an event.
Will homeowners insurance pay for a new roof?
If the damage is from wear and tear, you are out of luck; however, for sudden, accidental damage, your homeowners insurance will help you restore your roof should it become damaged. Wind and hail damage may require an additional policy or an add-on, but TGS Insurance offers policy options, add-ons, and we even automatically include this coverage in your homeowners insurance policy at a 2% deductible that can be customized to your personal preference.
Our Featured Agents Are Ready to Help You With Your Carrollton, TX Homeowners Insurance:
TGS Insurance is ready to help you find the right policy to meet your needs and budget with our team of top-rated agents. We deliver a stress-free approach to finding homeowners insurance all while providing unmatched customer service for homeowners throughout Carrollton, TX.