Coppell Home Insurance Made Simple with Instant, Precise Quotes!
When it Comes to Coppell 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 for stolen or damaged property
- Personal possessions (a set limit)
- Living expenses in case your home is uninhabitable due to a disaster such as a fire, flood, or severe windstorm
- Liability should someone injure themselves 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)
Coppell, TX Home Ownership Costs
In Coppell, TX, the average home insurance premium costs around $2,325 each year. This is slightly more than the national average of $2,305 per year. Texas homeowners pay the 5th highest average insurance premiums in the country.
First-time homeowners or any homeowner looking to re-evaluate their home insurance premiums should contact TGS Insurance. We are ready to serve Coppell, TX with our average customer saving around $870 per year!
Popular Additional Home Coverages in Coppell, TX:
Windstorm and Hail Coverage: We understand the destructive power of windstorm and hail events. The damage from severe thunderstorms, tropical storms, and hurricanes can be widespread and costly. TGS Insurance automatically includes a 2% deductible for any windstorm/hail damage in every homeowners insurance policy we write.
Water Backup: Sewer or drainage backup can cause a large amount of damage to your home and is not a covered peril by most homeowners insurance or flood insurance policies. Without additional coverage, you’ll be stuck with the bill and the task of having to recover and rebuild quite a mess. TGS Insurance can provide add-on protection that can help you restore your home with coverage starting at $5,000 worth of damage.
Mortgage Life Insurance: The passing of a spouse is never easy and the financial ramifications may seem secondary in the moment but will be very real as you put the pieces back together. This unique protection will pay for the remainder of your mortgage in the event your spouse passes. TGS Insurance policyholders pay on average $30 a month for this coverage, though rates may vary depending on your insurance carrier.
Common Home Insurance Questions from Our Clients:
Do you need home insurance if your house is paid off?
It is always advised that homeowners continue their home insurance policy even once their home is paid for. Replacing your personal belongings or your home itself is a costly endeavor. Even small incidents can cause costly damage that will leave you facing a hefty bill without the right coverage. Home insurance is important for every home.
Does homeowners insurance cover lost jewelry?
Your homeowners insurance will cover a set amount of jewelry depending on the value outlined on your home insurance policy. If your jewelry exceeds this limit, however, you will need to add jewelry insurance to stay protected.
Are homeowners insurance rates going up?
Yes, homeowners insurance rates are rising as construction costs and claims due to disasters continue to rise. This is yet another reason it is important to enroll with an agency like TGS Insurance today where you can receive a cheaper rate than in the future and compare rates between more than 35 top-rated insurance providers to find the best possible price.
Our Agents Are Ready to Help You With Your Coppell Homeowners Insurance:
Proudly serving the Coppell community, TGS Insurance finds the best possible home insurance coverage for the lowest cost available. Our team of expert agents work for you with attention to detail and a next-level delivery of customer service through enrollment and beyond.