Home Insurance in Garland, TX Just Got A Lot Easier!
How Much Does Garland Home Insurance Cost?
Home insurance in Garland costs an average of $1,380 per year among TGS Insurance Agency customers which is $1,333 less than the area’s average of $2.713. While home policies vary from home to home based on coverage needs, our agents are dedicated to finding our customers the right policy and the best price available. In just a few minutes, you could be saving too! To see how much you could be saving, enter your address above for your free instant quote!
Average Homeowners Insurance Quotes in Garland by Home Value
The amount of homeowners coverage that you need to cover the full value of your home influences the insurance premium you will pay. For example, in Garland, the average home insurance quote for a home valued at $200,000 is $1,228 per year while a home valued at $500,000 will cost an average of $1,910.
Below are average quotes provided by TGS Insurance Agency for different home value ranges in Garland, Texas.
| Home Value | Average Annual Premium (incl. Wind Coverage) |
|---|---|
| $175,000-$224,999 | $1,228 |
| $225,000-$274,999 | $1,270 |
| $275,000-$324,999 | $1,417 |
| $325,000-$374,999 | $1,540 |
| $375,000-$424,999 | $1,668 |
| $425,000-$474,999 | $1,762 |
| $475,000-$524,999 | $1,910 |
| $525,000-$574,999 | $2,158 |
| $575,000-$624,999 | $2,242 |
| $625,000-$674,999 | $2,469 |
Factors That Impact Your Garland Home Insurance Rate
Your insurance premium is reflective of an insurance carrier’s estimation of the amount of risk they would be taking on to insure your property. If the risk is higher, your premium will be higher. While the exact formula and factors considered vary from carrier to carrier, some of the most common factors that influence your home insurance premium are:
- The likelihood of weather events in your area (tornadoes, hail, tropical storms/hurricanes, etc.)
- The size and age of your home
- The materials used to construct your home (includes the structure of the home itself but also things like what type of plumbing you have)
- The location of your home in relation to the nearest firehouse
- The location of your home in relation to the nearest body of water
- The condition and age of your roof
- The crime rate in your area
- Your claims history
- The coverage options you enroll in
- The deductible amount you select
- Discounts available to you
- Your credit score (the lower your score, the higher your monthly premium)
As you can see, some of these are out of your control, however, others can be adjusted. Oftentimes, carriers will offer discounts for bundling multiple policies or utilizing a monitored security system. Additionally, by choosing a higher deductible, you will have a lower monthly premium- but this also means you will have to pay more upfront if you were to file a claim. It is important to discuss your needs with an agent who can help you find the right coverage tailored to your needs so that your home insurance has you covered if you ever need it!
How Do I Get The Best Garland Homeowners Insurance?
For homeowners in Garland, TX, finding the best homeowners insurance is easy thanks to our proprietary online quoting tool. Your free, no-obligation quote is created in 15 seconds or less by just entering your address! From here, you instantly receive a personalized home insurance quote from TGS Insurance. After your quote is delivered, your dedicated insurance agent will work with you to answer a few questions about your home to better customize your coverage and tailor it to your needs. We do the heavy lifting so you don’t have to. At TGS Insurance Agency, we shop and you save- it’s that simple!
Zip Codes in Garland, TX That TGS Insurance Agency Insures:
| 75040 | 75043 | 75046 | 75049 |
| 75041 | 75044 | 75047 | 75082 |
| 75042 | 75045 | 75048 | 75089 |
Don’t see your zip code listed? Don’t worry, as long as it’s in Texas, we’ve got you covered!
