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How Much Does Guy, TX Homeowners Insurance Cost?
Homeowners insurance in Guy, TX costs around $1,173 per year. With TGS Insurance, our average customer saves around $870 per year, with some customers saving even more!
What Homeowners Insurance Add-Ons Are Available for Homes in Guy?
Texas is not immune to crazy and unpredictable weather and depending on where you live, you may want to consider additional insurance add-ons outside of your standard homeowners insurance policy. Your basic homeowners insurance policy will cover you for common perils such as fire or theft, but flood damage is not. By customizing your insurance policy with add-ons, you’re ensuring no gaps in coverage so you’re protected in any event.
Guy, TX is within 50 miles of the Texas coastline and homeowners have seen their fair share of torrential tropical storms and devastating hurricanes. All of these events can bring heavy amounts of rainfall that could lead to flooding. As stated above, flood damage is not covered by homeowners insurance so to be fully covered, we highly recommend purchasing a flood insurance policy. 1 in 4 homes that file for flood damage, live outside a flood zone. Don’t risk it, the average flood insurance policy in Texas costs around $634 annually and can vary depending on your home’s location.
Your home will be protected from water damage due to flood with a flood insurance policy, but water damage due to a sewer or drainage backup may not be, costing you thousands of dollars. Luckily, we provide an additional add-on for water backup that can help you restore damages starting at $5,000. It can cost homeowners anywhere between $50-$250 per year, depending on your risk and coverage limits.
Hurricanes, tropical storms, and tornados can all produce severe wind and hail damage to homes in Guy, TX. At TGS Insurance, we believe you should be protected for anything, which is why we automatically include a 2% wind/hail deductible on every homeowners insurance policy we write.
At TGS Insurance, We’ll Find the Right Homeowners Insurance Coverage to Meet Your Needs
Understanding your homeowners insurance policy can be a bit daunting, which is why we’ve included a short video explaining all the basics of homeowners insurance below!
Common Guy, TX Home Insurance Questions from Our Clients
Will homeowners insurance cover tree removal?
Homeowners insurance will usually cover tree removal if the tree fell onto a covered structure, such as your home, garage, or fence and was caused due to a peril, such as a windstorm or weight of ice.
Will homeowners insurance cover water damage?
Your homeowners insurance policy will cover water damage if it’s deemed sudden or accidental. Water damage due to a sewer backup, flood, or negligence will not be covered.
Will homeowners insurance pay for a new roof?
Homeowners insurance will pay for a new roof if the damage occurred from a named peril, such as a hailstorm or windstorm. If the damage sustained to your roof was caused by a falling tree due to a storm, that also would be covered by homeowners insurance.
Our Featured Agents Are Ready to Help You With Your Guy, TX Homeowners Insurance:
At TGS Insurance, our team of talented agents is ready to help you find the right policy that fits your coverage needs at a premium that doesn’t break the bank. We deliver a seamless, stress-free approach to shopping for homeowners insurance with exceptional customer service from start to finish.
Zip Codes in Guy, 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!