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Home Insurance in Fate, TX Just Got A Lot Easier!

 

How Much Does Home Insurance in Fate Cost?

 
Homeowners insurance in Fate, Texas costs an average of $940 per year among TGS Insurance Agency customers. This average includes windstorm and hail coverage with a 2% deductible and is based on policies with an average home value of $259,393. While every policy is different and contingent on many factors, including your home’s value and coverages your choose, we have proudly been able to save our Texas customers an average of $870 per year on their home insurance premiums when they switch to us. Finding out how much you can be saving is as easy as providing your address above for an instant quote– really!

 

Compare the Average Cost of Homeowner Insurance in Fate, Texas by Home Value

 
Below is a comparison of the average home insurance quote from TGS Insurance Agency in Fate by home value. Home value is one of many factors that influences your home insurance rate. Below, home values are rounded to the nearest $25,000 so $150,000 includes homes in the $125,000 to $175,000 range, etc.

Home ValueAverage Annual Premium (incl. Wind Coverage)
$150,000$547
$200,000$734
$250,000$941
$300,000$1,084
$350,000$1,238
$400,000$1,361
$450,000$1,601
 

Property Owners in Fate, Texas Can Expect Personalized Homeowners Insurance Coverage with TGS Insurance. 

 

A basic home insurance policy typically provides some level of the following coverages: 

  • Dwelling coverage
  • Other structures coverage
  • Personal property coverage (Up to a limit)
  • Loss-of-use coverage (Living costs should your home be uninhabitable) 
  • Liability (Medical and legal) 

 

Your homeowners insurance policy will cover the basics, but if you’re looking for coverage outside of your policy you’ll want to look at policy add-ons. These are some of the most common policy add-ons you can buy: 

  • Flood insurance
  • Umbrella insurance 
  • Animal liability
  • Water backup coverage
  • Equipment breakdown coverage 
  • Extended replacement cost
  • Scheduled personal property 

The add-ons listed above are some of the most common policy add-ons in Fate, Texas. But, it’s important to talk to your TGS Insurance agent about what add-ons would be best for you and your home, to help bridge any gaps in coverage you may want to close. 

 

Common Perils in Fate, Texas That Every Homeowner Needs Coverage For

 
As a Texas-based agency, we know all too well how unpredictable and crazy our state’s weather can get. Between the floods, hailstorms, hurricanes, tornadoes, tropical storms, and windstorms that hit our state every year, it’s important to have the right homeowners insurance coverage that protects you against each of these common weather occurrences. 

 

Your basic HO-3 homeowners insurance policy will cover these common perils: 

  • Fire and smoke 
  • Lightning
  • Hail and windstorms 
  • Explosions
  • Vandalism, theft, and malicious mischief 
  • Falling objects
  • Aircraft and vehicles 
  • Riot or civil disturbance
  • Power surges
  • Weight of ice, snow, sleet 
  • Water damage (Sudden & accidental) 

 

It’s important for us to call out that flood coverage is not covered under your homeowners insurance policy. So, for homeowners that want coverage for floods, you must purchase a flood insurance policy. The average Texas homeowner pays $634 per year for flood coverage but that cost can vary depending on where you live and how at-risk your home is. At TGS Insurance, our average customer pays just $528 per year for flood insurance. Some homeowners don’t believe flood insurance is a worthy investment, but when you consider that the average flood damage claim in 2018 was $42,580 and over 25% of flood claims come from homes living outside a flood zone, we see a flood insurance policy as a worthy investment for each of our clients! 

 

In addition to flood insurance, Texas homeowners need to be cognitive of the proper windstorm and hail coverage due to the sheer number of tornadoes and hurricanes that hit our state every year. At TGS Insurance, we believe our customers should be prepared for anything, which is why we include a 2% wind/hail deductible into every policy we write for Fate, Texas homeowners! 

 

TGS Insurance is Your One-Stop-Shop for Insurance in Fate, Texas 

 
Getting the right home insurance policy shouldn’t be difficult or expensive and at TGS Insurance Agency, it’s not! We comparison shop every policy through our bank of 35+ A-rated (or better) carriers to ensure each client is getting the best home insurance policy for their needs at the best rates possible. We’ll even handle the entire enrollment process from beginning to end for a seamless, hassle-free shopping experience! 

Our goal is to help our customers save on insurance, which is why you should always consider bundling your policies together for big savings! Bundling your various policies together can save you upwards of 25% in premiums. Do you have an auto insurance policy? What about a watercraft that needs boat insurance? Talk to your TGS Insurance agent to see how we can help! 

 

Zip Codes in Fate, Texas That We Insure:

  • 75087
  • 75132
  • 75189

 

If you don’t see your zip code listed, not to worry! As long as you live in Texas we’ve got you covered with great insurance! Get started with a free quote today

Home Insurance Carriers in Fate, TX

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Progressive Logo
Safeco Logo
Travelers Logo
AIG Logo
Metlife Logo
Allied Trust Logo
Maison Logo
Lighthouse Logo
Anchor Logo
 State Auto Logo
ASI Logo
The Hartford Logo
Foremost Logo
Empower Logo
TWIA Logo
National Lloyds's Logo
Liberty Specialty Logo

TGS Insurance is Fate's Premier Home Insurance Provider

Fate neighborhood

The city of Fate, Texas is located 30 minutes of Dallas with Lake Ray Hubbard and Lavon Lake close by. The historic city boasts a small-town charm with big-city amenities for every resident to enjoy. While the reason behind the quirky name of the town is not certain, it's easy to see why so many Texans call this beautiful place home from the gorgeous landscapes to the family-centric community. TGS Insurance is proud to be one of the leading providers for insurance in Fate, TX.

Fate neighborhood

Homeowners in Fate, TX all want the same thing- a great home insurance policy at an even better rate! At TGS Insurance, we shop your policy across our bank of 35+ carriers (Allstate, Geico, and Progressive to name a few) to provide our customers in Fate, TX a homeowners insurance policy packed with value and coverage. Our extensive industry knowledge and exceptional customer service wins us business from Fate, TX homeowners every day!

Key Home Statistics in Fate

15,603

Total Population in Fate, TX

$256,800

Average Home Value in Fate, TX

$110,373

Median Household Income in Fate, TX

34

Median Age in Fate, TX

Trust TGS Insurance in Fate

Data as of October 25, 2021

15,000

Total
Customers

$4.27B

Total Assets Covered Projected

13,700

Total Homes Insured

5,200

Total Vehicles Insured

Major Neighborhoods in Fate, TX

Image of Chamberlain Crossing Neighborhood

Chamberlain Crossing

Located just off of Interstate 30, Chamberlain Crossing is a peaceful and family-friendly community. Williamsburg Park is just a quick drive up the road and residents are close to all of their favorite shops and eateries.

Image of Williamsburg Neighborhood

Williamsburg

Williamsburg is an amenity-filled community located just east of Lake Ray Hubbard. Residents of Williamsburg enjoy a resort style pool, a splash playground, an Olympic-style lap pool, and a decked-out amenity center. There are also playgrounds, an exercise area, bike trails, and a catch and release pond!

Image of Woodcreek Neighborhood

Woodcreek

Woodcreek is a unique community located just a quick drive from Lake Ray Hubbard and the Harob Rockwall town center. This friendly neighborhood boasts many amenities including a pool, cabana, kiddie water park, dog park, fitness center, and clubhouse.

Image of Spring Meadow Neighborhood

Spring Meadow

Spring Meadow is located just off of N. William E. Crawford Avenue near the Cedars Disc Golf Course and Robert Smith Family Park. Homeowners in this community enjoy a quiet place to call home while still being close to local shopping and restaurants.

Image of Melody Ranch  Neighborhood

Melody Ranch

Melody Ranch is a beautiful, quiet community minutes from I-30. Homeowners in this neighborhood enjoy wide-open spaces, peaceful walking and jogging trails, and beautiful scenery.

Image of Ridgecrest  Neighborhood

Ridgecrest

Ridgecrest is a quaint neighborhood nestled between Ben Payne Road and Highway 66. Homeowners in this established community enjoy a peaceful atmosphere and are a quick drive from Fate's shopping centers, restaurants, and other recreational activities.

Local Home Resources in Fate, TX

Fire Departments
Fate City - Fire Dept-Chief'S OFC108 E Fate Main Pl
Fate, TX 75189
(972) 772-7994