Home Insurance in College Station, TX Just Got A Lot Cheaper!
How Much Does Home Insurance Cost in College Station, TX?
Homeowners insurance is specific to you, the individual, and your home’s specifications. This means your home insurance quote is likely different from anyone else’s because it’s unique to you and your home. That being said, taking a look at average annual home insurance premiums can be a great benchmark for understanding what you might expect to pay for coverage. Take a look at some of these average below:
The average TGS Insurance customer in College Station, TX pays $1,069 per year, which means they’re saving $1,079 compared to the city average!
While your home insurance rates can differ from the averages, comparing averages can be beneficial to you. You’ll learn where your home insurance premiums lie and some of the factors you can change to improve your monthly rate. Every carrier looks at specific criteria when determining your insurance cost and while some elements are outside of your control, others can be controlled and adjusted. Take a closer look at some of the carrier rating factors companies use when calculating your monthly premium:
- Weather in your area (tornadoes, hail, flooding, tropical storms, etc.)
- Frequency of claims you’ve made previously
- The coverages you select
- The strength of your credit score
- The crime rate near your home
- The year, construction type, and square footage of your home
- Discounts available to your home (for example: do you have a home security system? are you bundling with another policy?)
At TGS Insurance, you get a dedicated agent to help you narrow down your home coverage options for what’s best for YOU! We search by running quotes through over 35 top-rated home insurance carriers at once ensuring that you receive the best price on the market with the best coverage out there. All without any of the hassle of comparison shopping!
Common Additional Home Coverages in College Station, TX
Personal Injury Coverage
If someone is injured on your property, there can be many different expensive medical and legal bills you may be liable for. Your home insurance will cover a portion of these expenses to protect you, however, should these expenses wind up costing more than your policy limits, you could be on the hook for the remaining costs. Adding personal injury coverage will help boost the amount your insurance will cover and protect you and your bank account from liability.
Flood Coverage
Your home insurance coverage will protect you from a lot of things including theft and fires, but it will not protect you or your possessions in the event of a flood. With as many as 20-25% of all flood claims coming from homes outside of a flood zone, having the right flood insurance is important for any homeowner. Here at TGS Insurance, we shop both private and government-issued flood insurance policies to ensure that you are receiving the best coverage available at the lowest price.
Windstorm and Hail Coverage
Windstorm/Hail Coverage protects your home from the damage caused by windstorm and hail events. Homeowners in College Station, TX understand the importance of this coverage more than most considering there are various perils to protect themselves from including severe thunderstorms which can produce tornadoes and hail, and the remnants of hurricanes and tropical storms to contend with. TGS Insurance automatically writes in this protection with a 2% deductible for our clients. We provide customizable home insurance built for you and your needs!
Common Home Insurance Questions from Our Customers in College Station
Will homeowners insurance pay for a new roof?
When the damage caused to your roof is sudden and accidental and of a covered peril, your homeowners insurance will pay for a new roof. Your policy will not pay for damage caused by normal wear and tear.
Can you get homeowners insurance with bad credit?
You can receive homeowners insurance with bad credit but you are likely to pay more than someone with a better credit score. Your credit score is part of the various factors that make up your homeowners insurance score and a bad score will negatively affect your premium.
Are appliances considered personal property in homeowners insurance?
Most homeowners insurance policies consider appliances to be personal property and will cover them against covered perils including accidental overflow for water and/or steam. Normal wear and tear is not included, meaning you will likely need a home warranty to cover your appliances if it is not covered in your home insurance policy.
Zip Codes in College Station, TX That We Insure:
| 77802 | 77841 | 77843 | 77845 |
| 77840 | 77842 | 77844 |
Don’t see your zip code listed? Don’t worry, as long as it’s in Texas, we’ve got you covered!
Footnotes
1. https://www.bankrate.com/insurance/homeowners-insurance/homeowners-insurance-cost/
