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 policy for Katy is $1,654 which means our customers are saving an average of $546 per year. In just a few minutes, you could be saving too!
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 some policies won’t be written due to storms, so don’t delay and get your flood insurance policy in Katy, Texas today.
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 cover your home and any detached structures such as a detached garage, as well as any personal items such as furniture, technology items, jewelry, and other valuables you want to be covered. Homeowners insurance policies also include financial assistance should someone be injured on your property as well as coverage should your home become unlivable.
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. Most policies cover common perils such as explosions, fire, hailstorms, theft, vandalism, and windstorms unless it’s specifically excluded. Flood damage is not covered by your standard homeowners insurance policy 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 with 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 all of 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
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. Homeowners in Katy, TX can easily bundle their homeowners insurance with their flood insurance policy for the most protection at the best rate.