Enjoy Granbury Home Insurance with Better Coverage & Lower Monthly Payments!
How Much Does Home Insurance in Granbury, Texas Cost?
In Granbury, Texas, the average cost for homeowners insurance is about $1,501 each year. That’s $2,228 less than the Texas average of $3,429 per year. At TGS Insurance, our average Texas customer saves over $870 per year with some saving substantially more!
Compare the Average Cost of Homeowner Insurance in Granbury, Texas by Dwelling Coverage Limit
| Coverage Amount | Average Annual Premium (incl. Wind Coverage) |
|---|---|
| $75,000 | $1,583 |
| $150,000 | $2,155 |
| $200,000 | $2,535 |
| $350,000 | $2,657 |
*We used the Texas Department of Insurance to calculate premiums. A methodology based on a homeowner with average credit, owns their home, no claims within the past 5 years, age of the house is 10 to 34 years made of brick and includes windstorm coverage.
Property Owners in Granbury, Texas Can Expect Personalized Homeowners Insurance Coverage with TGS Insurance
The standard HO-3 home insurance policy will cover the following:
- The physical structure of your home and any detached structures
- Replacement costs
- Personal possessions (Only up to a certain limit per category)
- Loss-of-use coverage (Living costs if your home becomes unlivable due to a covered loss)
- Liability (Personal and medical payments)
If you need more coverage outside the basic home insurance policy in Granbury, Texas, you can buy policy endorsements such as:
- Flood insurance
- Umbrella insurance
- Animal liability
- Water backup coverage
- Equipment breakdown coverage
- Extended replacement cost
- Scheduled personal property
These common endorsements can be added to your Granbury, Texas home insurance policy. Talk with your TGS Insurance agent about what other policy endorsements you can add on to help fill in coverage gaps.
These are some of the most common endorsements we see from our clients in Granbury, Texas. But be sure to talk to your TGS Insurance agent about what policy add-ons are best for you!
Common Perils in Granbury, Texas That Every Homeowner Needs Coverage For
Granbury, Texas homeowners know all-too-well the weather challenges that come with living in the Lone Star State. Each year, Texas homeowners face devastating weather events from flooding, hail, hurricanes, tropical storms, tornadoes, and sometimes even just severe thunderstorms. It’s important to know what perils your policy covers and what it doesn’t so you’re not left surprised should you need to ever file a claim.
Your homeowners insurance policy will cover these common perils:
- Fire and smoke
- Lightning
- Hail and windstorms
- Explosions
- Vandalism, theft, and malicious mischief
- Falling objects
- Aircrafts and vehicles
- Riot or civil disturbance
- Power surges
- Weight of ice, snow, sleet
- Water damage (Sudden & accidental)
It’s important to note that flood damage is not covered under your homeowners insurance policy. For full coverage against floods, you’ll need to purchase flood insurance. The average cost for a flood policy is about $634 every year, but at TGS Insurance our customers pay about $528 per year. Even if you don’t live in a flood zone or high-risk area, over 25% of flood damage claims come from homes that are located outside a flood zone. And if you also take into consideration that the average flood claim in 2018 was $42,580, you can see that a flood insurance policy is a worthy investment for all homeowners to protect their home and everything in it, should you ever be in the unfortunate situation that you experience flood damage.
In addition to floods, Texas homeowners face more hail and wind damage than most parts of the U.S., making it crucial for Texans to have the proper windstorm and hail coverage so you’re not left paying for damages out of your own pocket. At TGS Insurance, we want you to have peace of mind knowing you’re protected for anything, which is why we automatically write a 2% wind/hail deductible into every Grandbury, Texas homeowners insurance policy we write!
TGS Insurance is Your One-Stop Shop for Insurance in Granbury, Texas
We don’t believe getting home insurance should be complicated or expensive, which is why we’ve built a process that makes getting home insurance with TGS Insurance as easy as 1, 2, 3! We shop your home insurance policy through our bank of 35+ A-rated (or better) carriers to find you the best coverage and rate the market has to offer. And as if delivering an exceptional home insurance policy wasn’t enough, we’ll even handle the entire enrollment process from start to finish for a seamless, stress-free shopping experience!
Did you know you can save up to 25% on your premiums when you bundle? Ask us about bundling your various auto, motorcycle, boat, or any other policies for maximum savings!
Zip Codes in Granbury, Texas That We Insure:
- 76048
- 76049
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!
