Crosby Homeowners Insurance Made Easy with Quick, Accurate Quotes!
How Much Does Crosby Home Insurance Cost?
Homeowners insurance in Crosby, TX costs an average of $1,189 per year. At TGS Insurance, our average customer saves $870 per year, with some homeowners saving even more!
What Crosby, TX Homeowners Insurance Add-Ons Are Available That Will Further Protect You?
All Texans know the weather in our state can be a bit wild and unpredictable so depending on where you live, you may want to consider additional insurance add-ons to round out your home insurance coverage. For example, the standard homeowners insurance policy will cover common perils such as hail, fire, theft, and vandalism, but will not cover a flooding event. By filling in these gaps in coverage, you’re ensuring you’re protected from the unexpected.
Crosby, TX is nestled just above the Texas coastline and the city has witnessed some devastating hurricanes, tropical storms, tornados, and severe thunderstorms. All of these events can bring torrential amounts of rain that can lead to flooding. Flood damage is not covered by homeowners insurance therefore you’ll need to purchase a separate flood insurance policy. The average policy costs around $634 per year but can vary depending on where your home is located. The average flood claim is around $43,000, so while $634 per year may be pricey, footing the bill for flood damage is even pricier.
Backed-up drains or sewers can leave homeowners with a damaging and disgusting event to fix- not to mention expensive because it’s not covered by homeowners insurance. However, with a water backup add-on to your policy, you can get covered for damage starting at $5,000 up to $25,000. The average cost for this add-on can range anywhere between $50-$250 depending on your risk and coverage limits.
Crosby residents are not immune to the devastating damage that wind and hail can have on their homes. At TGS Insurance, we believe you should be protected for anything, which is why we automatically write in a 2% wind/hail deductible for every homeowners insurance policy we issue.
The Right Homeowners Insurance Coverage to Meet Your Needs
Homeowners insurance can be a bit confusing and convoluted and we want to make it easy. Check out the video below breaking down everything you need to know about homeowners insurance!
Common Home Insurance Questions from Our Customers in Crosby
How much will a security system lower my homeowners insurance?
Installing a home security system can lower your homeowners insurance premium up to 20%! Each carrier offers different discounts, so be sure to ask your insurance agent about what discounts are available to you.
Is foundation repair covered under homeowners insurance?
If the foundation issue occurred as the result of a named peril in your policy, then your homeowners insurance will help cover the repairs.
Is it a legal requirement to have home insurance in Crosby, TX?
It’s not a legal requirement to have homeowners insurance in Crosby, TX but it’s strongly recommended. Your lender may require you to have a homeowners insurance policy during the duration of your loan, but should you decide to cancel your policy, you’ll be on the hook financially for any damage or repairs to your home.
Our Local, Independent Agents Are Ready to Help You With Your Crosby, TX Homeowners Insurance:
At TGS Insurance our team of dedicated agents deliver a seamless and stress-free approach to shopping for homeowners insurance by handling everything from A to Z.
Zip Codes in Crosby, 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!