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Hempstead, TX

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Home Insurance in Hempstead, TX Just Got A Lot Easier!

 

The Cost of Hempstead, TX Home Insurance

 

Your home insurance policy is tailored to your specific needs as a homeowner and of course, to protect your home. It’s likely to be different than anyone else’s, even your next-door neighbor because it’s built to protect your home and everything in it. Let’s compare how your city’s rate stacks up against the averages. 

 

  • National average1: $2,305
  • Texas average1: $3,429
  • Hempstead, TX average: $1,893

Your home insurance premium can differ from the national, state, and city averages, but it’s always good to compare. If your current home insurance policy is a lot cheaper than the city average, then you may be underinsured. If you’re paying more, you could be paying for too much coverage or just simply overpaying. 

 

Insurance carriers look at several things when determining how much your home insurance policy will be. Some factors are within your control and you have some influence on, but others you don’t. Let’s review what common things carriers look at when calculating your rate: 

 

  • Weather (Is your area prone to hurricanes or tropical storms?) 
  • Local crime rates
  • Your claims history (More claims = higher premium) 
  • The coverages you select 
  • Your credit score (Good credit = lower premium) 
  • The year, construction type, and square footage of your home
  • If you qualify for any discounts

One of the best ways to save on homeowners insurance is to shop and compare your policy across at least 5-10 different carriers. But we know that it can be time-intensive and downright tedious, which is why we do all that for you. At TGS Insurance, we’ll shop your home insurance across 35+ A-rated (or better) carriers to find you a home insurance policy that’s perfectly balanced in the coverage you need, at a rate that doesn’t break the bank. Our process ensures every customer is getting the best pricing and insurance without all the hassle! 

 

Common Home Insurance Endorsements in Hempstead, TX

 

Flood Insurance:

One of the most common questions we get is, “is flood damage covered in my home insurance policy?” and unfortunately no it is not. For Hemstead, TX homeowners to have full protection against the devastating damage a flood can bring, you need a flood insurance policy. According to FEMA, the average flood insurance policy in Texas is about $634 per year. At TGS Insurance, our customers pay just $528 per year! 

 

Wind and Hail Coverage:

Hempstead, TX homeowners are not immune to the devastating damage from wind and hail from the hurricanes, tropical storms, tornadoes, or even severe thunderstorms that can hit the area. In 2020 alone, Hempstead, TX had 11 severe thunderstorms with 5 of those producing hail. Hail and wind damage can be very costly for any homeowner, which is why it’s important to have the right coverage so you’re not left paying out of pocket for any repairs. At TGS Insurance, we want to make it easy to stay protected for any event, which is why we automatically write-in a 2% wind/hail deductible into every home insurance policy we issue in Hempstead, TX! 

 

Equipment Breakdown Coverage:

Similar to a home warranty (but still different) equipment breakdown coverage is a home insurance policy endorsement that will reimburse you for any appliances in your home that break due to electrical or mechanical failure. This add-on will not cover general wear and tear, corrosion, or improper maintenance. Homeowners can add this to their home insurance policy for $25-$50 a year depending on how much coverage is wanted. 

 

Common Home Insurance Questions from Our Customers Near Hempstead, TX

 

Is it a legal requirement to have home insurance in Hempstead, TX?

No, it is not legally required to have a home insurance policy in Hempstead, TX but it is strongly encouraged. However, if you have a home loan, your mortgage company may require you to have a basic home insurance policy as part of the terms of your loan. 

 

Do you need home insurance if your house is paid off?

If your home is paid off, you’re not required to have a home insurance policy. However, we strongly recommend all homeowners carry a policy to protect their home and other assets should a loss occur. Without a home insurance policy, you as the homeowner are financially liable for any repairs, replacements, accidents, or other events. At TGS Insurance, we can help you find a home insurance policy that covers the basics at the cheapest rate possible. 

 

Do you pay home insurance monthly or yearly?

You can pay for your home insurance either every month or annually, but insurance carriers will sometimes provide you a discount when you pay your premium outright on an annual basis

 

Zip Codes in Hempstead, TX That We Insure:

  • 77445

 

Don’t see your zip code listed? Don’t worry, as long as it’s in Texas, we’ve got you covered!

 

Footnotes

1. https://www.bankrate.com/insurance/homeowners-insurance/homeowners-insurance-cost/

Home Insurance Carriers in Hempstead, TX

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Progressive Logo
Safeco Logo
Travelers Logo
AIG Logo
Metlife Logo
Allied Trust Logo
Maison Logo
Lighthouse Logo
Anchor Logo
 State Auto Logo
ASI Logo
The Hartford Logo
Foremost Logo
Empower Logo
TWIA Logo
National Lloyds's Logo
Liberty Specialty Logo

TGS Insurance is Hempstead's Premier Home Insurance Provider

Hempstead neighborhood

Hempstead, TX is located 50 miles northwest of Houston just along Highway 290. The town is famous for its watermelon crop and was the leading supplier of watermelons in the United States until the 1940s. To commemorate its fruitful history, Hempstead, TX hosts an annual Watermelon Festival every July. TGS Insurance is proud to be one of the leading home insurance providers for Hempstead, TX residents!

Hempstead neighborhood

TGS Insurance delivers home insurance policies in Hempstead, TX that are packed with the coverage you need at a rate that doesn't break the bank. We don't believe a good home insurance policy should cost a fortune in Hempstead, TX, which is why shop every policy through our bank of 35+ A-rated (or better) carriers for an unbeatable deal every single time. As a Texas-owned agency, we deliver extensive industry knowledge, exceptional customer service, and great home insurance policies to all of our Hempstead, TX clients every day!

Key Home Statistics in Hempstead

8,355

Total Population in Hempstead, TX

$119,700

Average Home Value in Hempstead, TX

$35,688

Median Household Income in Hempstead, TX

26

Median Age in Hempstead, TX

Trust TGS Insurance in Hempstead

Data as of July 23, 2021

15,000

Total
Customers

$4.27B

Total Assets Covered Projected

13,700

Total Homes Insured

5,200

Total Vehicles Insured

Local Home Resources in Hempstead, TX

Fire Departments
Hempstead Fire Dept701 Calvit St
Hempstead, TX 77445

Police Departments
Hempstead Police Dept1015 11th St
Hempstead, TX 77445
9798263332
Texas Public Safety/Hwy PatrolPO Box 1016
Hempstead, TX 77445
9798264066
Waller County Highway Patrol235 Highway 290 E
Hempstead, TX 77445
9798267647
Waller County Sheriff's Dept701 Calvit St
Hempstead, TX 77445
2813918755