We Shop 35+ Carriers to Find You The Best Deal on Your Danbury Home Insurance
How Much Does Home Insurance in Danbury, Texas Cost?
The average cost of homeowners insurance in Danbury, TX is $1,868 per year among TGS Insurance Agency customers. This average premium includes windstorm and hail coverage with a 2% deductible and is based on policies with an average home value of $222,925. By shopping your policy with our trusted carriers, we are able to save you both time and money (and a lot of headaches). In fact, TGS Insurance Agency has been able to save our customers throughout Texas an average of $870 per year when they’ve made the switch to us. To see how much you could be saving, get started with a free, instant quote. All we need is your address!
Home Insurance Quotes in Danbury, TX by Home Value
Home value is one of many factors that influences your home insurance premium. Typically, the higher the home value, the more it would cost to rebuild or repair it should it incur damages so premiums will be higher. Below is a comparison of the average home insurance quote provided by the TGS Insurance Agency for homes in Danbury, TX.
| Home Value | Average Annual Premium (incl. Wind Coverage) |
|---|---|
| $75,000-$124,999 | $1,337 |
| $125,000-$174,999 | $1,548 |
| $175,000-$224,999 | $1,794 |
| $225,000-$274,999 | $1,955 |
| $275,000-$324,999 | $2,244 |
| $325,000-$374,999 | $2,377 |
| $375,000-$424,999 | $2,916 |
| $425,000-$474,999 | $2,992 |
What Factors Influence My Home Insurance Rate?
Insurance companies each have their own way of calculating home insurance premiums. That being said, there are several factors that are commonly considered by most carriers:
- Home value (specifically, the replacement cost of rebuilding your home to its current condition)
- Age of home
- Construction of home (brick, wood, etc)
- Roof age and condition
- Proximity to the fire station
- Proximity to major bodies of water
- Claims history
- Credit history
- Crime rates in the area
- Presence of a pool or hot tub or trampoline
- Breed of any dogs living in the home
- Marital status
As you can see, there are several factors that contribute to your home insurance rate (keep in mind, these are only some of the common ones!). If it feels overwhelming, do not worry. There are things you can do to lower your home insurance premium such as having a monitored security system or bundling your home insurance with other lines such as auto. Knowing that every carrier calculates their premiums differently makes it even more important to shop your policy to make sure you are finding the right coverage at the best price! Don’t have time to waste getting quote after quote? We’ve got you covered. At TGS Insurance, we shop and you save. Sound too easy? It gets easier. To get started with a free instant quote, all we need is your address.
When It Comes to Danbury Homeowners Insurance, Texas Property Owners Can Rely on TGS Insurance for Individualized Coverage.
There are six standard coverages that are part of the basic homeowners insurance policy, but there are even more ways to customize home insurance policies to make sure you get the right insurance for your home.
The standard homeowners insurance policy in Danbury, TX will cover:
- Dwelling coverage (the structure of your home)
- Other structures (ex: fence or a detached garage)
- Personal property coverage (your belongings such as clothing and electronics)
- Loss-of-use coverage (helps with expenses such as hotel stays should your home become unlivable while being repaired)
- Personal liability coverage
- Medical payments coverage
We can customize your policy to better fit your needs and fill any gaps outside the standard home policy for things like special collections, important art or jewelry, home businesses, and more. Other examples of policy add-ons include:
- Flood insurance
- Underground service lines coverage (water, sewer, electrical, cable, gas)
- Sewer backup endorsement
- Animal liability coverage
- Umbrella policies
At TGS Insurance, we want our customers to have peace of mind knowing they’re covered for anything. Our agents will work with you to determine any gaps or vulnerabilities you might have and help craft the perfect policy tailored to your needs.
Zip Codes in Danbury, Texas We Insure:
- 77534
Don’t see your zip code? Not a problem! We are able to help homeowners throughout Texas save on their home insurance!
