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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 ValueAverage 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:

 

75040750437504675049
75041750447504775082
75042750457504875089

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

Home Insurance Carriers in Garland, TX

Allstate Logo
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 Garland's Premier Home Insurance Provider

Garland neighborhood

Garland, TX, is a suburb of Dallas located northeast of the city. Closer to Lake Ray Hubbard and home to the Rowlett Creek Reserve, its residents enjoy nature while still remaining conveniently located close to some of the best city life in Texas! Offering a community feel with many modern amenities, Garland residents receive the best of both worlds with various parks, shops, eateries, and other forms of entertainment all around them.

Garland neighborhood

Homeowners of Garland love their community and are all looking for the same thing- the best homeowners insurance coverage at the lowest rate on the market. TGS Insurance finds the best policies for our customers by shopping through our bank of 35+ top-rated carriers. As a Texan owned agency, TGS Insurance wins business from homeowners of Garland, TX, every day with our great customer service and extensive industry knowledge.

Key Home Statistics in Garland

239,928

Total Population in Garland, TX

$146,200

Average Home Value in Garland, TX

$61,211

Median Household Income in Garland, TX

34

Median Age in Garland, TX

Trust TGS Insurance in Garland

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 Garland, TX

Image of Club Creek Neighborhood

Club Creek

A quiet community near Lake Ray Hubbard, Club Creek is a family community located near various shops and restaurants.

Image of Camelot Neighborhood

Camelot

Established in 1980, Camelot has grown into a flourishing community known for its hospitality and recreation.

Image of Greens Neighborhood

Greens

Greens is located appropriately near multiple golf courses and parks located in northern Garland.

Image of Oakridge Neighborhood

Oakridge

Oakridge is a small community with easy access to various restaurants, recreational activities, shops, and the Duck Creek Golf Club.

Image of Dalcastle and Linda Heights Neighborhood

Dalcastle and Linda Heights

Dalcastle and Linda Heights is one of the communities of Garland with the best access to Dallas but is home to many shops and places to eat and play.

Image of Windsor Park Neighborhood

Windsor Park

Windsor Park is close enough to enjoy the fast travel of Interstate 30 yet far away enough to enjoy a peaceful, small community.

Local Home Resources in Garland, TX

Fire Departments
Garland City - Fire Department- Administration217 N 5th St
Garland, TX 75040
(972) 205-2250
Police Departments
Garland Police Dept1891 Forest Ln
Garland, TX 75042
9722052010
Garland Police Patrol Div1891 Forest Ln
Garland, TX 75042
9722052020