Highlands Homeowners Insurance Made Effortless with Quick, Accurate Quotes!
Comparison Shop Home Insurance in Highlands, TX from Multiple Carriers in Minutes!
Did you know that only 44% of homeowners comparison shop their policy when it is up for renewal? Shopping and comparing different insurance policies allows you to see the different types of coverage and price options you have available to you. With TGS Insurance, we shop your policy when you first enroll and every year after during your renewal period from over 35+ highly-rated insurance providers to make sure you are getting the best price and the coverage you need, year after year.
How Much is Home Insurance in Highlands, TX?
The average cost for home insurance in Highlands, TX is about $1,169 each year. The average savings for our Texas customers is about $870 each year on homeowners insurance when they shop for insurance through TGS Insurance!
Comparing the Average Cost of Homeowners Insurance in Highlands By Dwelling Coverage Limit
| Coverage Level | Average Annual Premium (incl. Wind Coverage) |
|---|---|
| $75k Dwelling | $1,784 |
| $150k Dwelling | $2,515 |
| $200k Dwelling | $3,009 |
| $350k Dwelling | $4,423 |
*Information used from Help Insure from the Texas Department of Insurance. Averages are based on quotes for a homeowner with average credit, no claims within the past 5 years, and a brick home between 10-34 years of age in Highlands, TX. Includes Wind Coverage.
How Much is Flood Insurance in Highlands, TX?
In Texas, the average cost for flood insurance is about $634 each year, but the price will vary depending on where you live. Highlands, TX is right outside of Houston, where our TGS Insurance customers pay about $518 each year for flood insurance. That means our customers are saving $116 annually under the average!
Highlands, TX is nestled between Bear Lake and Burnet Bay and also pretty close to the Texas coastline, which means homeowners are more likely to be at risk for flooding. Highlands, TX gets about 56 inches of rainfall each year from the number of tropical storms, hurricanes, and severe storms that can come in through the gulf. It’s important to remember that enough heavy rainfall can lead to flooding, and even just one inch of water can cause $25,000 in damages to your home. If you live in Highlands, TX it’s highly encouraged to have flood insurance to fill any gaps in coverage left out of your homeowners insurance policy.
Additional Home Coverages Popular in Your Area:
Hailstorm Insurance: If you live on the Texas coast or in Harris County on Galveston Bay, your standard homeowners insurance policy will not cover hail damage. Highlands, TX homeowners can add this to their policy to ensure their home and personal belongings are protected from damages caused by hail.
The TGS Difference: To make sure your Highlands, TX home is fully protected, we automatically write-in hail protection as a part of your standard home insurance policy with a 2% hail/windstorm deductible that can be tailored to your insurance preference.
Windstorm Insurance: Homeowners who live along the Texas coastline, may be excluded from having windstorm protection from their homeowners insurance policy, requiring them to purchase separate windstorm coverage. Windstorm insurance usually offers protection for your home and personal items from gusty storms like tornadoes, tropical storms, and hurricanes. In Texas, the average cost for windstorm insurance is about $1,600 each year, but the price can change depending on where you live.
The TGS Difference: We want our Highlands, TX customers to have the most protection without having to pay a higher price, so that is why we include a 2% wind/hail deductible into all of our homeowners insurance policies.
Bundle Your Home and Auto Policies for Added Savings!
By combining your home and auto insurance policies under one insurance provider, Highlands, TX homeowners save up to an additional 15-20% on their premiums.
At TGS Insurance, we take away the stress of shopping and comparing premium prices. Our agents will search through our bank of 35+ A-rated (or higher) insurance providers to find you the best bundling options for your home and auto policies!
Zip Codes in Highlands, TX That We Insure:
- 77530
- 77562
Don’t see your zip code listed? Don’t worry, as long as it’s in Texas, we’ve got you covered!
