Protecting Grapevine Homeowners with Personalized Home Insurance Coverage
The Cost of Grapevine, TX Home Insurance
Home insurance premiums vary from home to home, even when they are in close proximity. This variation is due to several factors which we discuss below. But first, here is a look at the national, state, and city average home insurance premiums for Grapevine, TX:
The average TGS Insurance customer in Grapevine, TX pays $1,666 per year for home insurance. That’s an annual savings of $1,286 under the city average!
While the averages listed above will likely vary from your home insurance rate, they are a good point of reference for what others in the area are paying and seeing if you are in the same ballpark. Although different insurance carriers calculate premiums differently, at the end of the day, they are all assessing the risk they are taking on to insure you. Some of these factors are circumstantial while others give you the opportunity to customize portions that directly impact your premium rate. Here are some examples: :
Factors that You Can’t Change:
- The Age, Building Material, and Size of Your Home
- The Age and Condition of Your Roof
- The Weather (does your area typically have tornados? hurricanes?)
- Your Credit History (a lower credit score often leads to higher premiums)
- Your Claims History
- Crime Rates in Your Area
Factors that You Can Adjust:
- Your Deductible Amount (a lower deductible often means higher premiums and vice versa)
- The Coverage Limits You Choose
- The Availability of Homeowners Insurance Discounts (for example, bundling policies, adding security systems, etc)
At TGS Insurance, we shop your home insurance policy across 35+ top-rated carriers to narrow down the best coverage options for your home and your budget. By doing all the comparison shopping for you, our agents can find our clients a policy that is balanced in both value and coverage while also eliminating the hassle and stress of buying home insurance.
Who Needs Homeowners Insurance?
If you own a home, you need homeowners insurance. Many mortgage companies won’t even agree to a loan without at least minimal homeowners insurance coverage. TGS Insurance provides homeowners with the coverage they deserve by building personalized coverage that meets their coverage needs and saves them money.
Helping homeowners find the right home insurance is our highest priority here at TGS Insurance Agency. We find the home insurance coverage that works for you and your needs. With TGS Insurance, your coverage goes beyond the basic protections you may receive at other companies as we build a personalized coverage option for all of our clients. With just a few simple questions, our agents can create a smooth enrollment process by getting to know you and your home on a deeper level.
How to Get the Best Homeowners Insurance in Grapevine, TX
TGS Insurance serves homeowners in Grapevine, TX, and can provide a free, no-obligation quote in 15 seconds or fewer thanks to our easy-to-use proprietary online quoting tool. All you have to do is enter your address, and you’ll receive a quote for your home in seconds! Once you receive your personalized quote, your agent works with you to answer a few more questions about your home and the coverage needs you have allowing them to further personalize your coverage. TGS Insurance works for you and takes pride in getting our clients the best home insurance coverage for their needs all at the lowest price available.
Common Home Insurance Questions from Our Customers in Grapevine, TX
Can homeowners insurance be canceled at any time?
There may be fees attached, but yes, you can cancel your homeowners insurance at any time. Here at TGS Insurance, we never recommend canceling your home insurance policy because it can protect you from so much. We even work to find our clients new policies year after year if they were to experience an increase in their premium to avoid a lapse in coverage and to continue saving you money.
Are appliances considered personal property in homeowners insurance?
Yes, your appliances are considered personal property according to most homeowners insurance policies. With that said, if your appliance were to break due to normal wear and tear, you would need a home warranty to keep it protected as your home insurance policy will not consider breakdowns of this nature a covered peril.
Does homeowners cover lost jewelry?
Yes, your homeowners insurance policy covers lost jewelry, usually with a limit of around $2,000. If you possess more valuable pieces and/or collections, you’ll need to purchase additional insurance to keep these pieces protected.
Zip Codes in Grapevine, 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!