Save on Home Insurance in
El Paso, TX

El Paso Home Insurance Made Easy with Fast, Reliable Quotes!

The Cost of El Paso, TX Home Insurance

The price of your homeowners insurance premium will depend on your home’s details as well as how much coverage you need. Home insurance is no one-size-fits-all solution, so what you pay may be different than your neighbor’s. With that in mind, let’s take a closer look at the different annual home insurance premiums: 

• National average¹: $2,305
• Texas average¹: $3,429
• El Paso, TX average: $1,183

Seeing how your home insurance premium compares to Texas and national averages is a good reference point to see if you are either overpaying for insurance or could quite possibly be underinsured if your rate seems dramatically lower. Each insurance company looks for certain factors that influence how much your premium will be. Some elements are in your control, but others are not. Below is a list of factors that most insurance providers look for: 

• Year built, material type, and square footage of your home
• Weather (If you live in a high-risk area for tornadoes or hurricanes) 
• Your credit score (Low score = high rate and high score = low rate) 
• Local crime rates
• If you qualify for discounts
• How much coverage you are seeking
• Your claims history

One of our TGS Insurance agents can help you select the right coverage for your home’s needs. We will shop your home insurance policy across 35+ highly-rated home insurance providers, to find you a policy at a fair price so you don’t ever have to compromise on coverage!

Protecting Your Home in a Natural Disaster and Extreme Weather

Living in Texas comes with unavoidable natural disasters that are just a part of life, unfortunately. If you ever are in a position that you need to file a claim, it’s imperative that you have the right coverage in place beforehand so you’re not left paying anything out-of-pocket. At TGS Insurance, our team will help you find the right amount of coverage for your home so you can have peace-of-mind knowing you’re financially protected in any event. 

Natural Disasters and Extreme Weather in El Paso, TX: 

• Number of extreme weather events (1950-2010)²: 426
• Most common event (1950-2010)²: Hail (148)
• Number of floods (1950-2010)²: 115

Common Home Insurance Questions from Our Customers In El Paso, TX

Will homeowners insurance cover water damage?

A standard homeowners insurance policy will cover water damage if it’s sudden or an accident. Examples include a pipe burst or a water heater rupturing. It’s important to note that homeowners insurance will not cover any water damage if it could have been prevented due to lack of proper home maintenance. Water damage as a result of a flood is not covered in your standard homeowners insurance policy so you’ll need to buy flood insurance.

Can you get homeowners insurance with bad credit?

Yes, you can still get homeowners insurance with bad credit but you may have to pay a higher premium than someone with a higher credit score.

Do you need home insurance if your house is paid off?

In the state of Texas, you are not legally required to have homeowners insurance. However, if your home is paid off it’s still highly recommended to carry a basic homeowners insurance policy to avoid any major financial pitfalls should something happen to your home.

Our Local, Independent Agents Ready to Help You With Your El Paso, TX Homeowners Insurance:

At TGS Insurance, you’re not just a policy number, you’re our client and we work for YOU, not the insurance company. We’re committed to bringing you the best possible homeowners insurance policy that is balanced with the right coverage for your needs at a price that works for you. We deliver an exceptional customer service experience from start to finish and take all the stress from shopping for insurance away. Our value doesn’t stop at just finding you the right policy, we will continue to serve you and whatever you need including policy edits, changes, and regular policy reviews to always ensure you’re getting the best rate on the market every year. 

Zip Codes in El Paso, TX That We Insure:

• 79835
• 79904
• 79910

Don’t see your zip code listed? Don’t worry, as long as it’s in Texas, we’ve got you covered!

Footnotes

1. Bankrate.com
2. USA.com