Comparison Shop Home Insurance in Ingleside, TX from Multiple Carriers in Minutes and Save!
Over 56% of homeowners don’t shop their home insurance policy around and are missing out on substantial savings. At TGS Insurance Agency, we automatically shop over 35+ A-rated (or better) home insurance carriers in Ingleside, TX so homeowners always get the right policy at the best rate!
How Much is Home Insurance in Ingleside, Texas?
Homeowners insurance in Ingleside costs an average of $1,435 per year among TGS Insurance Agency customers. This average includes windstorm and hail coverage with a 2% deductible and is based on policies with an average home value of $230,502. While the cost of your home policy will depend on several factors, 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.
Get your hassle-free quote in 15 seconds or less using just your address now to see how much you could be saving!
Comparing Ingleside Home Insurance Quotes by Home Value
Home value is one of many factors that influences your home insurance rate. The below table compares the average home insurance quote provided by TGS Insurance Agency in Ingleside, Texas for several home value ranges. Please note that the home value is rounded to the nearest $25,000 so $200,000 includes home values from $175,000 to $225,000 and so on.
| Home Value | Average Annual Premium (incl. Wind Coverage) |
|---|---|
| $200,000 | $1,291 |
| $250,000 | $1,470 |
| $300,000 | $1,789 |
| $350,000 | $1,958 |
| $400,000 | $2,187 |
What Will The Standard Home Insurance Policy in Ingleside, Texas Cover?
Understanding what your home insurance policy does and does not cover is important because a standard policy is not a blanketed “cover-all” policy. For example, over 43% of homeowners believe their home insurance policy protects you against flood damage, which is false. Depending on the type of policy, your home policy will specifically list which perils it includes or excludes from coverage. Let’s take a closer look at what a standard HO-3 home insurance policy covers.
Coverage A: Dwelling
Dwelling coverage applies to your home and any structures attached to it, including your cooling/heating systems, plumbing, walls, wiring, etc. A general rule of thumb is to get enough dwelling coverage to completely rebuild your home to its current value including construction costs. Your insurance agent will help you determine what’s the best amount of dwelling coverage you should carry!
Coverage B: Other Structures
Other structures coverage pertains to any detached structures on your property, such as your fence, shed, garage, or even your mailbox. Some insurance providers will even cover swimming pools under this coverage too.
Coverage C: Personal Property
Personal property coverage will compensate you for your personal items, such as clothing, furniture, appliances, electronics, workout equipment, etc. This coverage only extends to a certain limit per category, so if you’ve got valuables that exceed your category limit you’ll want to talk to your insurance agent about policy add-ons, such as scheduled personal property, to help bridge any coverage gaps!
Coverage D: Loss Of Use
Loss-of-use coverage helps pay for temporary living expenses, such as hotel and restaurant bills if your home becomes uninhabitable due to damage from a covered peril.
Coverage E: Personal Liability
Personal liability provides financial assistance if a lawsuit were brought against you if you for causing injury or damages.
Coverage F: Medical Payments
Medical payments coverage pays the medical fees for someone injured on your property, regardless of who is at fault. It also covers the medical fees if you, a family member, or a pet injures someone else. This type of coverage does not apply to you or your household members.
Popular Home Insurance Policy Endorsements in Ingleside, Texas
Umbrella Insurance Policy: If you’re looking for more financial protection in the event you get sued and the claim exceeds your home, auto, or other policy personal liability limits, an umbrella policy would step in to help make up the difference. The standard homeowners insurance policy offers an average liability limit of $250,000 per policy, with some going up to $500,000. Umbrella insurance can cost roughly between $150 to $350 a year for the first $1 million of coverage and about $100 per million of coverage above that.
Windstorm Insurance: Ingleside, Texas homeowners know all too well how destructive windstorms can be. Hurricane Harvey is just one example that caused substantial damage to the city, which is why it’s so important for homeowners to have windstorm coverage. Windstorm insurance protects homeowners from gusty storms such as hurricanes, tropical storms, tornadoes, and even severe storms. The national average for a wind and hail claim is $8,692 and without the right protection, you could be stuck with the bill or paying more than you thought. At TGS Insurance, we want you to feel confident you’re covered, which is why we include a 2% wind/hail deductible into every policy we write!
Flood Insurance: It’s a common misconception that flood damage is covered by your homeowners when it’s actually not. Flood insurance will help cover homeowners for losses that occurred because of flooding, which is defined as an excess of water. We recommend that all homeowners in Ingleside, Texas consider a flood insurance policy because just one inch of water in your home can cause up to $25,000 in damages. The average cost for flood insurance in Texas is $634, but our clients pay an average of $528 for a flood insurance policy.
Zip Codes in Ingleside, Texas That We Insure
- 78362
- 78336
Don’t see your zip code listed? Don’t worry! As long as you live in Texas we’ve got you covered!
