Hitchcock Home Insurance Made Simple with Instant, Precise Quotes!
How Much Does Hitchcock, TX Homeowners Insurance Cost?
Homeowners insurance in Hitchcock, TX averages $1,638 per year. With TGS Insurance, our average customer saves around $870 per year on their homeowners insurance with some saving substantially more!
What Additional Coverages Are Available to Homeowners in Hitchcock,TX?
Owning a home can present its own set of challenges and surprises and depending on where you live, the weather can be a bit wild and unpredictable. To ensure you’re fully protected for anything, you may want to consider a few additional insurance add-ons to your homeowners insurance policy to round out any gaps in coverage.
Hitchcock, TX is nestled just along the Gulf of Mexico and receives an average of 50 inches of rain per year, a massive 22-inch difference from the Texas statewide average. This is largely because of the sheer number of hurricanes, tropical storms, and heavy rainstorms that hit the Texas coastline. We highly recommend all Hitchcock homeowners purchase a flood insurance policy to protect against any water damage as a result of a flood. Contrary to popular belief, flood damage is not covered by homeowners insurance, Therefore to stay protected against all the elements, you should consider a flood insurance policy. The average flood insurance policy can cost on average about $634 per year but can vary depending on your home’s location.
Your standard home insurance policy will cover for some water damage if deemed sudden or accidental. Your flood insurance policy will cover water damage as the result of a flood. But what about water damage incurred from a sewer or drainage backup? You’ll need a water backup add-on to your homeowners insurance policy for that type of coverage. This add-on can cost anywhere between $50-$250 annually depending on your risk and coverage limits. Coverage starts at $5,000 and can go upwards of $25,000.
Hitchcock, TX is right along the Texas coastline and homeowners are all too familiar with the damage wind and hail can wreak on their homes. To ensure our clients are protected for anything, we automatically include a 2% wind/hail deductible into every single homeowners insurance policy we write. This coverage can be easily customized based on your preferences!
At TGS Insurance, We’ll Find the Right Homeowners Insurance Coverage to Meet Your Needs
We know homeowners insurance can be a bit confusing and we want to help make it easier to understand. Check out the video below breaking down everything you need to know about homeowners insurance!
Common Home Insurance Questions from Our Customers in Your Area
Will homeowners insurance cover water damage?
Usually, homeowners insurance will cover water damage depending on what caused it. Water damage due to something accidental or sudden like a burst pipe is usually covered. However, if the water damage is the result of negligence or lack of maintenance, you’re on the hook. Water damage from a flood or sewer backup is also not covered by homeowners insurance.
Will homeowners insurance pay for a new roof?
Homeowners insurance will pay for a new roof if the damage occurred due to a named peril in your policy such as hail. Additionally, if your roof became damaged as the result of a fallen tree, that also would be covered by homeowners insurance.
Are homeowners insurance rates going up?
Yes, homeowners insurance rates are going up, as much as 59% since 2010. A few reasons being an increase in natural disasters such as hurricanes, wildfires as well as an increased cost of construction.
Our Local, Independent Agents Are Ready to Help You With Your Hitchcock, TX Homeowners Insurance:
TGS Insurance agents are ready to provide Hitchcock, TX homeowners with an easy and seamless home insurance shopping experience. We don’t believe you should ever sacrifice coverage for an affordable rate and vice versa. This is why we shop your policy with over 35+ A-Rated carriers to ensure you get a winning deal every single time.
Zip Codes in Hitchcock, TX That We Insure:
- 77510
- 77517
- 77563
Don’t see your zip code listed? Don’t worry, as long as it’s in Texas, we’ve got you covered!
