Harlingen Home Insurance Made Easy: We Shop. You Save.
How Much Does Harlingen, TX Homeowners Insurance Cost?
The average cost of homeowners insurance in Harlingen, TX is about $2,204 each year. At TGS Insurance, our Harlingen, TX customers pay an average of $1,371 per year for their home insurance, which means they are saving an average of $833 annually on homeowners insurance!
What Will A Standard Harlingen, TX Homeowners Insurance Policy Cover?
Homeowners insurance offers financial protection against accidents, theft, and disasters. Your policy will specifically state what is covered so it’s important as a homeowner, to understand what protection you do and don’t have so you’re not left surprised should a disaster strike and you find yourself with the bill and no assistance from your insurance company. Let’s review some of the most common types of coverage you’ll see listed in your policy:
Coverage A – Dwelling
This coverage protects the physical structure of your home including all plumbing, wiring, heating, and permanent air-conditioning systems. A good point of reference is to have enough coverage to rebuild your home to its current value.
Coverage B – Other Structures
Other structures coverage provides protection for structures other than your house such as a detached garage, a fence, or a free-standing shed.
Coverage C – Personal Property
Personal Property coverage will protect anything inside your home including appliances, clothing, electronics, and furniture, as well as more valuable items like art, collectibles, or jewelry (up to the limit designated in your policy).
Coverage D – Loss of Use
Loss of Use coverage will provide financial assistance while your home is being repaired should your home be deemed unlivable due to a named peril in your policy such as a fire or hurricane.
Coverage E – Personal Liability
Personal liability protects you against lawsuits for bodily injury or property damage that you or a member of your household caused to someone else.
Coverage F – Medical Payments to Others
This type of coverage covers the medical fees for anyone injured on your property. It’s important to note, this does not cover medical bills for you or members of your household.
At TGS Insurance Agency, our independent agents are dedicated to working with you to build an insurance policy that is tailored to your specific needs- including helping you determine what level of each type of coverage you need to be fully protected.
Common Additional Home Coverages in Harlingen, TX
Flood Insurance: Water damage caused by a flood is not covered by your standard homeowners insurance policy, therefore homeowners seeking this type of protection need to purchase a flood insurance policy. Flood insurance will cover any water damage to your home and personal belongings as a direct result of a flooding event, such as a hurricane. The average policy in Texas is $634 per year but will vary depending on where your home is located. At TGS Insurance, we shop your policy through both private and government insurers to secure our clients the best coverage at a rate that doesn’t break the bank.
Hail/Windstorm Insurance: Wind and hail damage make up 34% of claims filed by homeowners every year, which is mostly attributed to the sheer number of hurricanes, tornadoes, and thunderstorms Texas gets. It’s important for every homeowner to have the right wind and hail coverage because, without it, you could be stuck paying out-of-pocket for repairs, which average about $11,200 according to the Insurance Information Institute (III). At TGS Insurance, we want you to be prepared for anything, which is why we automatically write in a 2% wind/hail deductible into every single policy we write for Harlingen, TX homeowners!
Water Backup: Water backup is a popular add-on coverage that can help homeowners get financial protection from water damage caused by a sewer line backup, backed-up drain, or sump pump. It also provides coverage for mold damage caused by water back-up. Water backup coverage is not covered in your standard home insurance policy, therefore you’ll need to get it as a policy add-on. The average cost is $50-$250 per year with protection starting at $5,000!
We’re Your “One-Stop-Shop” for Insurance – Bundle Our Services and Save!
Bundling your home and auto insurance policies can qualify you for major savings. Do you have a boat or a motorcycle? Talk to your TGS Insurance agent about bundling your policies together so you can save more!
Zip Codes in Harlingen, TX That We Insure:
- 78550
- 78551
- 78552
- 78553
- 78586
Don’t see your zip code listed? Don’t worry, as long as it’s in Texas, we’ve got you covered!
