Trust TGS Insurance to Protect Your Home and Personal Property
How Much Does Cedar Hill, TX Homeowners Insurance Cost?
Cedar Hill, TX homeowners pay an average of $1,937 per year for their homeowners insurance. TGS Insurance customers in the area pay $1,829 per year, which means an annual savings of $108 per year, with some saving substantially more!
Calculating Premiums for Home Insurance in Cedar Hill, TX
Your home insurance premium is calculated based on how much risk your insurer is taking on to insure your home. The higher the risk, the higher your insurance premium will likely be.
One of the first things most insurance carriers look at are property-specific factors such as the size and age of your home and any add-ons such as a swimming pool. Insurers also look at regional factors such as average home value in your neighborhood, crime rates, and common weather perils, such as an area that is hurricane or tornado-prone.
If your home is located on a flood plain or deemed a high-risk flood zone, you’ll have to pay a higher insurance premium than a home that matches all your demos in a different area. The same logic follows for a home located in a high-crime rate area, expect to pay higher premiums.
Homeowners aren’t left with no options though, there are a few ways you can get discounts on your home insurance premium. If you’ve got a high credit score, that will allow you a discounted rate! Some carriers offer discounts for installing a security system, surveillance cameras, and motion-sensor lights.
Additional Coverages Recommended for Homes in Cedar Hill:
Windstorm and Hail Coverage: North Texas averages about 25 tornadoes per year and each storm can bring devastating and costly wind and hail damage. In fact, the risk of tornadoes in Cedar Hill, TX is higher than the Texas average. With that in mind, with every homeowners insurance policy we issue in Cedar Hill, TX, we automatically write-in a 2% wind/hail deductible so you always have peace-of-mind knowing you’re protected for the unexpected.
Water Backup: Water damage as the result of a clogged sewer line or backed-up drain is a costly repair to fix- and usually isn’t covered by a standard homeowners insurance policy. A water backup policy add-on is anywhere between $50-$250 per year (depending on your coverage) and can offer financial backing starting at $5,000 up to $25,000. This add-on would help provide financial assistance should your home take on damage because of a water backup issue.
Umbrella policies: Most homeowners insurance policies offer an average liability limit of $250,000 on a policy, with some going up to $500,000. If you’re looking for more financial protection in the event you get sued and the claim exceeds your home, auto, or watercraft policy, an umbrella policy would step in to help make up the difference. If you’re looking for a way to protect the things you worked hard for, an umbrella policy is a must.
The Benefits of Using TGS Insurance Agency:
- Saving on homeowners insurance has never been easier than with TGS Insurance. We’ll shop and compare your policy across 35+ A-rated carriers to find you a policy that fits both your budget and needs.
- Our services don’t stop at just finding you a great homeowners insurance policy, we’ll help complete the enrollment process and even work with your mortgage provider to get everything buttoned up as seamlessly as possible.
- As long as you’re a client of TGS Insurance, you’ll always save on homeowners insurance year after year. You’ll have a dedicated agent to service your every account need and we’ll monitor your policy for rate changes and if it were to increase, we’ll shop your policy again to find you the best deal without losing coverage.
Zip Codes in Cedar Hill, 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!