Katy Homeowners Insurance Made Easy with Fast, Reliable Quotes!
Comparison Shop Home Insurance in Katy, TX from Multiple Carriers in Minutes
As an independent insurance agency, we don’t work for one insurance company; we work for you! When you input your address, we will search our bank of trusted carriers and find you the best policy possible.
How Much is Home Insurance in Katy, TX?
The average cost of homeowners insurance in Katy is about $2,200/year. The average TGS Insurance customer in Katy pays an average of $1,654, which means our customers are saving an average of $546 per year. In just a few minutes, you could be saving too! Enter your address above to get started with a free instant home insurance quote!
How Much is Flood Insurance in Katy, TX?
The average cost of flood insurance in Texas is $634 per year through the National Flood Insurance Program (NFIP). On average, TGS Insurance customers in Katy pay $435 per year- that’s a total average savings of $199 per year! The average flood insurance policy takes 30 days to go into effect, and many carriers will put a hold on writing new policies when there is a named storm in the gulf, so don’t delay getting your coverage!
What does Katy Home Insurance Cover?
Katy homeowners insurance provides you with financial protection and peace of mind for your home and personal belongings due to any catastrophic or weather-related events. Your standard Katy homeowners insurance policy will include coverage for your home, additional structures on your property, and your personal belongings. Liability coverage and loss of use coverage are also commonly included in standard home insurance policies.
Additional Coverages for Your Katy Home Insurance Policy
Living in Katy, TX, comes with its own set of weather-related challenges that need to be covered in your homeowners insurance policy. Unless it’s expressly excluded, most policies cover common perils such as explosions, fire, hailstorms, theft, vandalism, and windstorms. Your standard homeowners insurance policy does not cover flood damage, and you’ll need to purchase a separate flood policy to ensure no gaps in coverage.
Insurance Coverage for Hail Damage in Katy
Katy, TX has recorded 13 severe weather warnings, 11 of those producing significant hail damage within the past 12 months. Hail damage can be a costly expense to your home, and damage to your roof could cost you thousands of dollars to repair- and sometimes, hail damage isn’t even included as a standard peril in your homeowners insurance policy.
THE TGS DIFFERENCE: To ensure you stay fully protected, we automatically write-in hail protection as part of your standard Katy home insurance policy, with a 2% hail/windstorm deductible that can be customized for your preference.
Insurance Coverage for Windstorm Damage in Katy
Homeowners in Katy are not immune to windy days, and most homeowners should consider getting windstorm insurance as part of their homeowners insurance policy. Windstorm coverage will provide you with financial protection should your home take on damage due to a tornado, hurricane, tropical storm, or other peril named in your policy.
THE TGS DIFFERENCE: We believe you should be protected for any event, and that includes windstorms. We automatically add windstorm coverage to our standard Katy homeowners insurance policies with a 2% windstorm/hail deductible. We can easily add or remove windstorm coverage based on your preference! Getting windstorm coverage has never been easier!
Insurance Coverage for Flood Damage in Katy
Homeowners in Katy, TX, can easily bundle their homeowners insurance with their flood insurance policy for the most protection at the best rate. Hurricane Harvey was a catastrophic event that proved that every homeowner in Katy is vulnerable to flood damage no matter where you live. In Katy, flood insurance can cost anywhere between $400-2,000 a year, depending on where you live. The average TGS Insurance flood insurance policy is Katy can cost around $435 per year.
