TGS Insurance is Your Trusted Home Insurance Partner in Irving, TX
When it Comes to Irving Homeowners Insurance, Texas Property Owners Can Rely on TGS Insurance Agency for Personalized Coverage.
A basic homeowners insurance policy will typically cover the following:
- Damage to your home- both the interior and exterior- by a named peril
- Additional living expenses for a hotel or house rental if your home becomes unlivable by a covered peril
- Coverage for your personal belongings
- Personal liability coverage for damages or injuries sustained by others at your fault
You can purchase supplemental policies to add to your home insurance suite such as:
- Valuable Articles/Floater policies (i.e. Jewelry Insurance)
- Flood policies
- Windstorm/hail coverage
- Umbrella policies (additional liability)
- Animal Liability (liability issues due to household pets)
Irving, TX Home Ownership Costs
In Irving, TX, home insurance premiums average $2,711 annually. At TGS Insurance, our average Irving, TX customer pays $1,759 per year for homeowners insurance. This means our customers in Irving, TX are saving $952 per year!
If you’re a new homeowner, or simply want to evaluate your current home insurance policy, an independent insurance agent expert at TGS Insurance Agency can help you find the right policy for your home.
Popular Additional Home Coverages in Irving, TX:
Windstorm and Hail Coverage: Residents of Irving understand the damage severe thunderstorms, tornadoes, and even the remnants of tropical storms and hurricanes can cause. Homeowners must protect their homes from these costly, destructive weather events because without the right coverage, you’ll be stuck paying for these repairs yourself. TGS Insurance helps homeowners prepare by automatically including a 2% deductible for any windstorm/hail damage in every homeowners insurance policy we write.
Water Backup: Sewer or drainage backup is an expensive and oftentimes, disgusting, event homeowners may face, one of which your homeowners insurance nor flood insurance won’t cover. Homeowners may be left spending thousands of dollars to repair these damages; however, TGS Insurance provides add-on protection that can help you restore $5,000-$25,000+ worth of damages due to these events.
Flood Insurance: One of the biggest misconceptions involving home insurance is that they cover flood events. Unfortunately, homeowners who are unaware that flood events require flood insurance may be caught in a costly situation. As many as 20-25% of flood claims come from homes outside of flood zones, so even homes not deemed to be at risk should remain covered with a flood insurance policy to avoid paying for expensive costs in the aftermath of a flood.
Common Home Insurance Questions from Our Customers Near Irving, TX
Does homeowners insurance cover damage to a neighbor’s property?
While different coverages will have different terms, many homeowners insurance carriers will provide a set limit of coverage should you cause damage to your neighbor’s property. It is important to note that this does not typically include trees, as your neighbor’s insurance would be responsible in most cases. Speak with your agent about your specific policy terms to learn more.
Does homeowners insurance cover water damage from rain?
Rain damage from a roof damaged in a storm can be covered by your homeowners insurance, but for flood events that occur outside of your home and then enter your home, you’ll need additional coverage. For better protection, we recommend all homeowners add a flood insurance policy to protect against these weather-related perils.
Is foundation repair covered under homeowners insurance?
Yes, your foundation can be covered by your homeowners insurance, but only if the damage is a result of a sudden, accidental event.
Our Local, Independent Agents Are Ready to Help You With Your Irving, TX Homeowners Insurance:
TGS Insurance has a knowledgeable team of expert agents that work for you, not an insurance brand. Our team is ready to find the right protection for your home by shopping for the lowest rates in Irving, TX without sacrificing coverage. Our agents provide savings and peace of mind all delivered through world-class customer service.