Fort Worth Home Insurance Made Easy with Quick, Accurate Quotes!
How Much Does Fort Worth Home Insurance Cost?
On average, TGS Insurance customers in Fort Worth pay about $2,205 per year for their homeowners insurance policy. Your actual premium may vary depending on factors such as your home’s size, age, construction type, and coverage limits. Fort Worth homeowners also face risks like hailstorms, tornadoes, and severe thunderstorms, all of which can impact insurance rates. At TGS Insurance, we shop multiple top-rated carriers to ensure you get the right coverage for your Fort Worth home at a price that fits your budget.
How Dwelling Coverage Limits Impact Your Premium
Dwelling coverage, or Coverage A, is the portion of your homeowners insurance that protects the structure of your home. The limit you choose represents the maximum amount your insurer will pay to rebuild your home if it’s damaged or destroyed by a covered event. In Fort Worth, this limit directly affects your premium—higher limits mean more protection but also higher costs, since the insurer takes on greater financial risk. With construction costs and storm-related damages on the rise, setting the right dwelling coverage limit is essential. At TGS Insurance, we help Fort Worth homeowners find the right balance between affordability and peace of mind so their homes are fully protected without overpaying.
Dwelling Coverage Limits Average Annual Premium (incl. Windstorm & Hail Coverage)
$100,000 - $200,000 $1,662
$200,000 - $300,000 $1,995
$300,000 - $400,000 $2,430
$400,000 - $500,000 $2,779
$500,000 - $600,000 $2,972
What Does Fort Worth Home Insurance Cover?
Home insurance in Fort Worth provides financial protection for more than just your house—it helps safeguard your belongings and your peace of mind. A standard policy usually includes:
- Dwelling Coverage – Pays to repair or rebuild your home if it’s damaged by covered perils like fire, wind, hail, or vandalism.
- Personal Property Coverage – Protects the items inside your home, such as furniture, electronics, and clothing, if they’re stolen or damaged.
- Liability Coverage – Offers protection if someone is injured on your property or if you’re held responsible for accidental damage to someone else’s property.
- Additional Living Expenses (Loss of Use) – Covers costs like hotel stays and meals if a covered event makes your home temporarily unlivable.
Since every Fort Worth home is different, policies can be customized with extra endorsements to address specific risks, ensuring you get coverage that fits both your property and your lifestyle.
Common Risks for Fort Worth Homeowners
Fort Worth homeowners are no strangers to unpredictable Texas weather. From spring hailstorms and severe thunderstorms to the occasional tornado, these events can cause extensive damage to roofs, siding, and personal property. While a standard homeowners policy covers many common perils—like fire, wind, theft, and vandalism—there are additional risks that may require extra protection.
Popular Endorsements for Fort Worth Homeowners:
- Hail & Windstorm Coverage – Roof damage from hail and high winds is one of the most common claims in North Texas. Some policies exclude or limit this coverage, making it important to verify your protection.
- Flood Insurance – Heavy rains can overwhelm drainage systems, leading to costly flood damage that isn’t covered by a standard policy.
- Water Backup Coverage – Helps pay for repairs if a backed-up drain, sewer, or sump pump causes water damage inside your home.
- Extended Replacement Cost – Adds a cushion above your dwelling coverage limit to account for rising construction costs after a major storm.
- Scheduled Personal Property – Ensures valuable items like jewelry, firearms, or collectibles are fully covered.
At TGS Insurance, we help Fort Worth homeowners identify the coverages and endorsements that make sense for their property, so you’re protected against both everyday risks and those big Texas storms.
How Home Size Impacts Your Premium
In Fort Worth, the size of your home has a clear impact on your homeowners insurance costs. Homes larger than 2,500 square feet average around $2,666 per year, while homes under 2,500 square feet average closer to $2,022. Larger homes are typically more expensive to insure because they require more materials and labor to rebuild, and they often contain more personal belongings to protect. Even design details—like custom finishes, extra rooms, or complex layouts—can drive up rebuilding costs, which is reflected in your premium. At TGS Insurance, we help Fort Worth homeowners find coverage that matches their property size and features without overpaying.
Bundle and Save on Insurance in Fort Worth
Bundling your homeowners insurance with other policies—like auto or umbrella coverage—is one of the easiest ways to lower your overall insurance costs. Many Fort Worth homeowners save between 5% and 25% per year by combining their policies under one carrier.
At TGS Insurance, we make bundling simple. With access to 55+ top-rated carriers, we shop the market to find you the best mix of coverage and price. Adding umbrella coverage is also a smart way to boost your liability protection, giving you an extra layer of security beyond the limits of your standard home and auto policies. Whether you’re insuring a single-family home, a condo, or something larger, our team helps Fort Worth homeowners maximize savings without sacrificing protection.
TGS Insurance Agency Protects Fort Worth Homeowners
Having the right homeowners insurance in Fort Worth is essential—it protects you from the most common risks in North Texas and ensures you’re not left with costly gaps in coverage. Understanding these risks is the first step, but having a policy tailored to them is what truly keeps your home and family secure.
At TGS Insurance, we make the process simple and stress-free. We shop and compare rates from over 55 top-rated carriers to find a policy that fits your needs and budget, without sacrificing protection. Our team builds your coverage around the perils most likely to affect Fort Worth homeowners, so you can feel confident your policy is designed for you. And our service doesn’t stop at enrollment—we re-shop your policy every year to make sure you’re always getting the best value.
