Hutto Home Insurance Made Easy: We Shop. You Save.
How much is home insurance in Hutto, Texas?
The average Hutto, Texas homeowner pays about $1,625 per year for home insurance. At TGS Insurance, our average customer in Hutto, Texas pays $1,013 per year, which means they’re saving $612 annually!
A Look At Standard Home Insurance Policy Coverage
Your home insurance policy consists of six main parts that can be customized based on your coverage needs. It’s meant to protect your dwelling, personal belongings, and any liability claims that may arise against you. Let’s review a bit more about the core components that make up your basic HO-3 home insurance policy:
Dwelling Coverage
Dwelling coverage protects your home’s physical structure and anything attached to it. Your dwelling coverage should always equal the cost to completely rebuild your home in the event of a total loss, and not be based on your home’s worth. If you don’t carry enough dwelling coverage, you would be stuck with any outstanding costs to rebuild your home.
Other Structures Coverage
This will protect any structures not physically attached to your home, including a detached garage, shed, or fence.
Personal Property Coverage
Everything inside your home including clothing, electronics, furniture, jewelry, etc. will be covered under personal property coverage.
Loss-Of-Use Coverage
If your home suffers catastrophic damage and you’re unable to live there, loss-of-use coverage will provide financial assistance for any hotel or food expenses while repairs are being made until you can move back home.
Personal Liability Coverage
Personal liability coverage would provide financial assistance for any legal expenses incurred if you or a member of your home are responsible for someone getting injured on your property or damage to someone else’s property.
Medical Payments Coverage
This coverage will help pay for any hospital bills or small injuries for guests who are injured on your property.
Average Home Insurance Premiums by Coverage Amount in Hutto, Texas
It’s always a great idea to compare what you’re currently paying for home insurance against the averages because you can easily see if you’re paying too much or too little for home insurance. (Yes, you read that right!) If you’re paying far below the average, you may be underinsured, which means you’re not carrying enough coverage leaving you vulnerable to cover any repairs or fixes yourself. If you’re paying too much, you’re overinsured, meaning you’re carrying too much coverage and would never receive a full payout from insurance, or you’re simply just overpaying for your home insurance policy. Let’s check out the average home insurance premiums in Hutto, Texas based on coverage amount:
| Coverage Amount | Average Annual Premium (incl. Wind Coverage) |
|---|---|
| $75,000 | $1,034 |
| $150,000 | $1,383 |
| $200,000 | $1,621 |
| $350,000 | $2,304 |
Popular Home Insurance Policy Endorsements in Hutto, Texas
Your home insurance policy covers the basics, but if you’re looking for additional protection outside of that there are policy endorsements you can add to help fill any gaps in coverage. Let’s review some of the most common home insurance policy endorsements in Hutto, Texas:
- Water Backup Coverage: This coverage will protect your personal property and home from water damage due to a backed-up sewage system, broken sump pump, and backed-up drains. Coverage starts at $5,000 and this add-on can cost you $20-$50 per year. At TGS Insurance, our average customer pays just $25 per year for water backup coverage!
- Equipment Breakdown Coverage: This add-on provides coverage for everyday household appliances and systems if they become damaged because of a mechanical or electrical failure. An equipment breakdown policy endorsement provides up to $50,000 in coverage, with a deductible of $250-$500 and is about $20-$50 annually.
- Scheduled Personal Property Coverage: Your home insurance policy will cover your personal property up to a certain limit. If you’ve got valuables such as antiques, artwork, electronics, furs, firearms, or other expensive items, that exceed those coverage limits, you’ll want to look at scheduled personal property coverage for extra protection. The cost of scheduled personal property coverage varies depending on what you want to be insured, but usually, coverage is about 1%-2% of the item’s total value.
Why Buy Home Insurance in Hutto, Texas with TGS Insurance
At TGS Insurance, we’ve built our business on the idea that customers should never have to sacrifice the coverage they need for a more affordable rate. We believe your home insurance policy should be equally balanced with the coverage you need, at a fair price. This is why we shop your policy across our bank of 35+ A-rated (or better) carriers to find you your perfect home insurance policy. This ensures you’re getting the best deal the market has to offer!
We don’t just stop at finding you a great quote, we’re you’re one-stop-shop for everything! Our customer care team will then handle the entire enrollment process from start to finish for the easiest, stress-free home insurance shopping experience you’ve ever had.
The best way to save on home insurance (or any insurance policy) is to shop your policy around when it’s time for renewal. At TGS Insurance, we do that for you. When it’s time for your policy to renew, we’ll re-shop around to ensure you’re always paying the lowest the market has to offer with either the same or even better coverage!
Getting home insurance in Hutto, Texas has never been easier or more affordable than with TGS Insurance! Our average customer saves $870 a year, don’t wait to see how much you could be saving!
Zip Codes in Hutto, Texas That We Insure:
Don’t see your zip code listed? Don’t worry, as long as it’s in Texas, we’ve got you covered!
- 78634
