Get East Bernard Home Insurance Tailored to your Needs For Less
Shop Home Insurance in East Bernard, TX from Multiple Carriers in Minutes!
Only 44% of homeowners comparison shop for insurance and only 17% compare prices online. This is attributed to the fact that comparison shopping can be such a tedious and time-consuming process! But at TGS Insurance, we do all the hard work for you. We’ll shop and compare your policy across our bank of 35+ A-rated carriers to find a policy that is balanced in value, coverage, and of course, a great rate. Shopping for homeowners insurance has never been easier!
How Much Does East Bernard Home Insurance Cost?
The average cost for homeowners insurance for East Bernard, TX is about $1,188 each year. Our Texas customers save an average of $870 each year on homeowners insurance when they switch to TGS Insurance!
Calculating Premiums for Home Insurance in East Bernard, TX
Each Insurance company provides your a quote for your home insurance based on their assessment of the amount of risk they would have to take on to insure you. Since each carrier assesses risk differently, your quote will vary from carrier to carrier. While their assessment of risk is different, there are several common factors that most insurance companies look at when calculating your premium:
- The replacement cost of your home if you were to rebuild it exactly as it currently stands
- The condition and age of your home’s roof
- The location of your home compared to the nearest fire station
- The location of your home compared to the nearest body of water
- Whether or not the location of your home is prone to natural disasters such as tornados or hurricanes
- The deductible amount you are willing to pay
- The age of your home (older homes tend to cost more to insure)
- The construction of your home (brick homes tend to cost less to insure, on average)
- Your claims history
- Your credit score
How Much is Flood Insurance in East Bernard?
The average cost for flood insurance in Texas is about $634 each year. Our TGS Insurance customers in East Bernard, TX pay about $482 per year for flood insurance, which means they are saving $152 per year!
Do I Really Need Flood Insurance in East Bernard, TX?
East Bernard, TX was one of the cities hit worst during Hurricane Harvey because of the city’s proximity to the San Bernard River, with about 2,000 homes damaged due to flooding. It’s imperative all homeowners in East Bernard, TX consider purchasing a flood insurance policy because the right storm can cause catastrophic flooding, lost homes, and thousands of dollars in damages.
Other Common Supplemental Home Coverages for Customers Near East Bernard:
Windstorm and Hail Coverage: Some of the most common insurance claims made in Texas come from wind and hail storm damage. Windstorm and hail coverage protects your home and your personal items from gusty events like tornadoes, hurricanes, hail storms, and even heavy rainfall. At TGS Insurance, we include a 2% hail/windstorm deductible into every policy we write so our customers are always protected.
Water Backup: Water damage from a sewer or drainage backup is a costly and unexpected incident that is not only disgusting to clean up but without the right coverage, a hefty bill for the homeowner. A water damage policy add-on is the perfect addition to your homeowners insurance policy to protect your home and belongings against this event. Coverage starts at $50-$250 per year depending on how much protection you want.
Our Independent Agents Ready to Help You With Your East Bernard, TX Homeowners Insurance:
At TGS Insurance, it’s our mission to provide each one of our customers a home insurance policy packed with savings without compromising on coverage. We handle everything from start to finish, for an easy and stress-free experience!
Zip Codes in East Bernard, TX We Serve:
Don’t see your zip code listed? Don’t worry, as long as it’s in Texas, we’ve got you covered!