Finding Affordable Huntsville Home Insurance Is Easier Than You Think.
Looking for home insurance can be tedious, boring, overwhelming… you name it, we’ve heard it. And we agree! That’s why TGS Insurance Agency is dedicated to doing the heavy lifting for you, starting with instantly comparing quotes from 35+ A-rated (or better) carriers to find you the best possible price in your area without having to compromise on coverage. We can provide you with your initial quote within 15 seconds with just your address. From there, if you would like to customize your policy, any of our dedicated independent agents are ready to work for you to create a policy that covers everything you need.
We shop. You Save. Yes, it really is that easy.
What Does Huntsville Home Insurance Cover?
- Coverage for your home and additional structures on your property such as detached garages, sheds, and fences
- Coverage for your personal belongings such as clothes, furniture, and electronics
- Coverage for personal liability exposures that comes with being a homeowner such as a guest being hurt on your property
- Coverage for living expenses should your home become uninhabitable, and you require temporary lodging while it is repaired or replaced
How Much is Home Insurance in Huntsville, Texas?
The average cost for home insurance in Huntsville is $ 1,087 among TGS Insurance Agency customers. This average is based on policies with an average home value of $ 217,935. While every policy is different and dependent on multiple factors, including your home’s value and coverages your choose, we have proudly been able to save our Texas customers an average of $870 per year on their home insurance premiums when they switch to us. Finding out how much you can be saving is as easy as providing your address above for an instant quote– really!
Average Home Insurance Premiums in Huntsville By Dwelling Coverage Levels
Several factors go into a carrier’s calculations for your Huntsville home insurance quote. One of the most significant factors is the level of dwelling coverage that you select. Dwelling coverage is based on the value of your home’s structure if you were to rebuild it to its current condition today. For instance, in Huntsville, carrying $150,000 dwelling coverage costs an average of $991, while increasing that coverage level to $350,000 will cost you an average of $1,432 per year. Below is a comparison of the average home insurance quote from TGS Insurance Agency in Huntsville, Texas by home value.
| Home Value | Average Annual Premium (incl. Wind Coverage) |
|---|---|
| $100,000-$200,000 | $991 |
| $200,000-$300,000 | $1,153 |
| $300,000-$400,000 | $1,432 |
| $400,000-$500,000 | $1,192 |
| $500,000-$600,000 | $1,448 |
Average Home Insurance Premiums in Huntsville By ZIP Code
Another factor that plays into your insurance rate is your location. The crime levels in your area, the number of claims filed, the proximity to a firehouse, and the proximity to a body of water are a few examples of location-based factors that carriers consider when calculating your quote.
The zip code with the cheapest home insurance quotes from TGS Insurance is 77320. The average home insurance quote in this zip code is $1,073.
The zip code with the most expensive home insurance quotes from TGS Insurance is 77340. The average home insurance quote in this zip code is $1,095.
Average Home Insurance Quotes in Huntsville By Carrier
Each home insurance carrier sets its rates based on its own formulas, so rates will naturally vary between carriers, even for the same property.
The 3 Cheapest Home Insurance Carriers in Huntsville, Texas
Based on quotes provided by TGS Insurance, the three cheapest home insurance carriers in Huntsville, Texas are:
- ASI ($701 average premium)
- Anchor ($1,085 average premium)
- State Auto ($1,624 average premium)
Huntsville Zip Codes We Insure
| 77320 | 77341 | 77343 | 77348 |
| 77340 | 77342 | 77344 | 77349 |
Zip code not listed? Don’t worry! We’re able to help homeowners throughout Texas save money on their home insurance. Get started with a free instant quote by providing your address above.
