Comparison Shop Home Insurance in Grapevine from Multiple Carriers in Minutes!
Less than 50% of homeowners comparison shop when their policy is up for renewal and leave potential savings on the table. It’s time to recoup the savings! At TGS Insurance, our team of agents will take away the hassle of comparing insurance providers by doing the hard work for you! As an independent insurance agency we’re carrier-agnostic, which means we don’t work for one insurance provider, we work for you! When you input your address, we’ll shop our bank of 35+ top carriers to find you the best policy at an exceptional rate in just 15 seconds!
What Does Homeowners Insurance in Grapevine cover?
The majority of home insurance policies include some level of the following types of coverages:
| Coverage A | covers damages to your home |
| Coverage B | covers damages to additional structures on your property such as detached garages, sheds, or fences |
| Coverage C | covers damage to personal property such as furniture, electronics, and clothes |
| Coverage D | covers additional living expenses if your home becomes uninhabitable due to a covered loss |
| Coverage E | covers personal liability including coverage for claims arising from accidents on your property |
| Coverage F | covers medical expenses for injuries occurring on your property for those outside of your household |
How Much is Home Insurance in Grapevine, Texas?
The average cost of homeowners insurance in Grapevine is $1,643 among TGS Insurance Agency customers. This average includes windstorm and hail coverage and is based on policies with an average home value of $386,758. Every policy is unique based on the characteristics of the home and coverage needs so rates will vary from home to home and even carrier to carrier. By comparison shopping policies, we are able to find the right policy at the best price without compromising on coverage. On average, we’ve been able to save our customers more than $800/year when they switch to TGS Insurance. Finding out how much you can be saving is as easy as providing your address above for an instant quote– really!
Comparing Average Home Insurance Premiums in Grapevine By Dwelling Coverage Levels
Dwelling coverage helps to rebuild or repair your home in the event of a covered loss. It is important that your dwelling coverage limit covers the cost to rebuild your home as it is today. Since dwelling coverage is such a large component of your home insurance policy, your limit on the coverage affects your overall premium. In Grapevine, carrying $100,000-$200,000 in dwelling coverage would result in a premium around $899 per year whereas carrying dwelling coverage worth $400,000-$500,000 would cost around $1,834 per year.
Home Value Average Annual Premium (incl. Wind Coverage)
$100,000-$200,000 $899
$200,000-$300,000 $1,235
$300,000-$400,000 $1,556
$400,000-$500,000 $1,834
$500,000-$600,000 $2,218
How Does Home Age Impact Home Insurance Rates in Grapevine, Texas
Many factors impact your home insurance premium, and one of those factors is the age of your home. As your home ages, the need for improvements and repairs increases, increasing the likelihood of filing a claim. For this reason, insurers view older homes as a more significant risk and will often come with a higher home insurance premium to reflect that more substantial risk.
Keep in mind that age is not the only factor influencing your premium! Other factors insurers often consider include:
- Location
- Replacement cost
- Credit history
- Claims history
- Marital Status
- Breeds of pets
- Attractive nuisances (swimming pools, trampolines, swing sets, etc.)
- And more!
Zip Codes in Grapevine We Insure
- 75019
- 75261
- 76051
- 76092
- 76099
Don’t see your zip code? Not a problem! We’re able to help homeowners throughout Texas find the best home coverage for their needs. Get started with a free instant quote by providing your address above.
