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College Station, TX

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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:

  • National average1: $2,305
  • Texas average1: $3,429
  • College Station, TX average: $2,148

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:

77802778417784377845
778407784277844

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/

Home Insurance Carriers in College Station, TX

Allstate Logo
Progressive Logo
Safeco Logo
Travelers Logo
AIG Logo
Metlife Logo
Allied Trust Logo
Maison Logo
Lighthouse Logo
Anchor Logo
 State Auto Logo
ASI Logo
The Hartford Logo
Foremost Logo
Empower Logo
TWIA Logo
National Lloyds's Logo
Liberty Specialty Logo

TGS Insurance is College Station's Premier Home Insurance Provider

College Station neighborhood

College Station, TX also known as Aggieland, is located northwest of Houston and is home to Texas A&M University. The city has a charming small-town vibe but it is filled with several attractions outside the university such as the George H.W Bush Presidential Library and Museum, Santa’s Wonderland, and Franks Drive Thru Safari.

College Station neighborhood

At TGS Insurance, we only work with the best insurance providers, which is why College Station, TX homeowners can always expect a great insurance policy for a great rate. As an independent agency with thousands of customers, 35+ carriers and exceptional customer service, we win business from College Station, TX residents every day.

Key Home Statistics in College Station

117,911

Total Population in College Station, TX

$248,822

Average Home Value in College Station, TX

$42,964

Median Household Income in College Station, TX

22

Median Age in College Station, TX

Trust TGS Insurance in College Station

Data as of January 20, 2021

14,000

Total
Customers

$3.10B

Total Assets Covered Projected

9,699

Total Homes Insured

5,360

Total Vehicles Insured

Local Home Resources in College Station, TX

Fire Departments
College Station City - Administrative Offices City Hall- Fire & Ambulance- Administra1207 Texas Ave S
College Station, TX 77840
(979) 764-3705
College Station City - Fire & Ambulance1101 Texas Ave S
College Station, TX 77840
(979) 764-3700
College Station Fire Dept2200 Rio Grande Blvd
College Station, TX 77845
(979) 764-3715
Precinct 4 Fire Dept6357 Raymond Stotzer Pky
College Station, TX 77845
(979) 846-6625
Police Departments
College Station Police Dept2611 TEXAS AVE S
COLLEGE STATION, TX 77840-5039
9797643600