Straightforward Galveston Home Insurance with Hassle-Free, Accurate Quotes in Seconds!
How Much Does Galveston Homeowners Insurance Cost?
Homeowners insurance in Galveston, TX can cost around $1,937 per year. With TGS Insurance, our customers in Galveston, TX are paying around $900, which means our customers are saving $1,037 annually!
What Galveston, TX Homeowners Insurance Add-Ons Are Available That Will Further Protect You?
Depending on where you live, there are some available insurance add-ons that you’ll want to consider to keep you financially protected from unforeseen disasters.
If you live in a coastal region, near a river, or a designated flood zone, it’s a great idea to look into buying flood insurance. Contrary to popular belief, home insurance does not cover damages sustained by a flood therefore if you want full protection against the elements, flood insurance is a must.
Many standard homeowners insurance policies don’t cover damage to property caused by sewer backup and drain problems. TGS Insurance agents always offer their clients this additional add-on starting at $5,000 in damages because it provides just a bit more peace-of-mind to our clients, knowing they’re covered for anything.
If your home is located in a region where hailstorms or windstorms are common due to tornados, hurricanes, or tropical storms, most homeowners will want to consider wind or hail storm coverage. At TGS Insurance, we believe your home insurance policy should offer coverage for all the elements, which is why we automatically write in a 2% wind/hail deductible into every policy!
Lastly, we recommend an umbrella policy for any homeowner looking to extend their coverage for even more financial protection. Owning a luxury car, swimming pool, trampoline, or boat can put you at risk of being sued for more than what a standard homeowners insurance policy will cover. And if you’re found liable and you’ve exceeded your coverage limits, you’re on the hook to cover the rest. An umbrella policy will help add extra financial padding and protect you from losing everything you own.
At TGS Insurance, We’ll Find the Right Homeowners Insurance Coverage to Meet Your Needs
Understanding your home insurance policy can be a bit tricky since it’s usually filled with a bunch of industry terms that can be a bit confusing. Check out the video below that breaks down everything you need to know about homeowners insurance and will help you better understand your policy!
Common Galveston, TX Home Insurance Questions from Our Clients
Are appliances covered under homeowners insurance?
Under your standard homeowners insurance policy, appliances are considered “personal property” therefore are protected from any peril such as fire, smoke, wind, or any other peril named in your policy. Home insurance will not cover the cost of repairing your appliances due to age, lack of maintenance, or general wear and tear.
Are fires covered by home insurance?
Your homeowners insurance policy will cover you should your home or personal belongings become damaged as a result of a fire. Your standard policy will usually help pay for any repair or replacement costs. Additionally, your policy may help cover landscaping should a fire destroy trees or shrubs on your property.
Can I buy homeowners insurance online?
Yes, you can usually buy homeowners insurance online. However, you may need to speak with an agent to verify coverage information to ensure your policy offers all the right protection you need. TGS Insurance offers its customers a way to buy insurance online in an easy, seamless way that takes the hassle out of buying home insurance.
Our Featured Agents Are Ready to Help You With Your Galveston, TX Homeowners Insurance:
TGS Insurance is here to help you get the homeowners insurance you want at the right price. We don’t believe our customers should overpay for insurance, which is why our team will shop your policy with over 35+ A-Rated carriers such as Progressive, Nationwide, Lighthouse, and others to ensure you always get the most coverage at a competitive rate in Galveston, TX. Homeowners in Galveston, TX can have peace-of-mind knowing they’re working with the best in Texas to protect what they love most.
Zip Codes in Galveston, TX That We Insure:
Don’t see your zip code listed? Don’t worry, as long as it’s in Texas, we’ve got you covered!