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La Marque, TX

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How Much is Home Insurance in La Marque,TX?

 

The average cost for homeowners insurance in La Marque, TX is about $1,164 per year. Experience great savings when you switch to TGS Insurance! Our Texas customers save an average of $870 each year on their homeowners insurance. 

 

Calculating Premiums for Home Insurance in La Marque, TX

 

Homeowners insurance premiums are calculated based on property-specific and regional-specific factors. But it mostly comes down to risk: how much risk is the insurer taking on to insure your home. Some factors are totally out of your control but there are ways you can reduce your premium. Take a closer look at just a few of the things insurers look at when calculating your home insurance premiums:

 

Location

Your zip code and address impact the price of your premium to an extent. Home insurance tends to be more expensive in areas that have high crime rates or are near the coastline because there is more of a risk of vandalism or destruction from floods or hurricanes. Similarly, if you live in a relatively low-risk area you can expect to pay a lower premium! 

 

Specific Details About Your Home 

Your home’s age, construction materials, piping, heating/cool system, square footage, age of roof, etc., all affect your home insurance premium. Typically, homes that are 40+ years old tend to be more expensive to insure than newer homes. In addition, homes that are well-maintained and kept up with can see significant discounts on their rates. 

 

Coverage Amount

If you are wanting to increase your homeowners insurance coverage limits for more protection, it will raise your premium rates. This would likely happen if you’ve got a very expensive home entertainment system or expensive artwork you want to be covered. 

 

Credit Score

Homeowners who have a bad credit score tend to be considered more of a risk to insure in the eyes of insurance companies. So while your credit score won’t keep you from getting insured, your credit score does factor into your rate. 

 

Discounts

Some insurance providers offer discounts for homeowners who are loyal customers or by bundling your home and auto policies together. Ask your insurance agent to see if you qualify for any discounts.
 

Understanding Your Insurance Coverage is Crucial! 

 

Understanding the lingo in your homeowners insurance policy is imperative to understand what coverage you do and don’t have. We’ve included a short video explaining how to read your policy and the basics of homeowners insurance! 
 

 

Popular Supplemental Home Coverages in Your Area:

 

Flood Insurance: La Marque, TX is near the Texas coastline and homeowners are not immune to the devastating floods that can occur as a result of a hurricane or tropical storm. Flood insurance is imperative for coastal homes to offer financial protection should you need it, since flood damage is not covered by homeowners insurance. The standard flood insurance policy averages around $637 per year but can vary depending on your home’s location.

 

Windstorm and Hail Coverage: When dealing with wind damage, there are two types of windstorm deductibles you need to know about. First, is a  hurricane deductible which solely covers loss from hurricanes and the second is a wind/hail deductible which protects your home and personal belongings from any type of wind damage. Windstorm and hail coverage is great for La Marque, TX homeowners because this area is prone to all sorts of wind and hail storms due to the proximity to the coast. Windstorm and hail coverage guarantees your home and items you value the most are fully protected. At TGS Insurance, we automatically write in a 2% wind/hail deductible into every policy we write for La Marque, TX homeowners! 

 

Water Backup: Water backup coverage is there to protect your home and personal belongings should you experience water damage due to an unexpected sewage backup or sump pump breaking. This type of coverage isn’t usually included in your standard homeowners insurance policy and is a great add-on to bridge any gaps in coverage. It can cost anywhere between $50-$250 per year and starts with $5,000 in financial protection up to $25,000.

 

Common Home Insurance Questions from Our Customers in La Marque

 

Do you need home insurance if your house is paid off?

Regardless if you paid off your home or not, you should always have homeowners insurance because it not only protects your home, but your personal belongings, other structures of your home, and if you’re liable for an accident. Homeowners insurance provides a financial safety net for the items you care about most.
 

How much will a security system lower my homeowners insurance?

Installing a security system in your home can lower your home insurance premium by up to 20%. Be sure to talk to your insurance agent to see what discounts are available to you. 
 

Are homeowners insurance rates going up?

It’s estimated that home insurance rates have gone up almost 59% within the past decade. This is due to rising construction costs and increased natural disasters such as wildfires and hurricanes.

 

Our Featured Agents Are Ready to Help You With Your La Marque Homeowners Insurance:

 

Our customer-focused team of agents are here to assist you with all your insurance needs. Whether you have questions about your homeowners insurance policy or want to add on more coverage options, we are here to help with all your insurance needs. We shop from 35+ highly-rated insurance providers, which allows us to find you a great policy for an affordable price. We guarantee to be with you every step of the way so you have the confidence knowing you are protected with TGS Insurance.

Home Insurance Carriers in La Marque, TX

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Progressive Logo
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Metlife Logo
Allied Trust Logo
Maison Logo
Lighthouse Logo
Anchor Logo
 State Auto Logo
ASI Logo
The Hartford Logo
Foremost Logo
Empower Logo
TWIA Logo
National Lloyds's Logo
Liberty Specialty Logo

TGS Insurance is La Marque's Premier Home Insurance Provider

La Marque neighborhood

La Marque is located in Galveston County and is the second-largest growing city in the county. Residents in this seaside community enjoy living close the salt life while also enjoying endless entertainment options and is a famous holiday destination for their Magical Winter Lights. La Marque is known as the bridge to The Gulf and the core to the mainland. TGS Insurance is proud to be the leading insurance agency in the La Marque area.

La Marque neighborhood

TGS Insurance provides home insurance in La Marque from dozens of different carriers. La Marque customers all want the same thing - the best home insurance policy at the lowest price. As an independent company with thousands of customers, 35+ carriers and amazing customer service, we win business from La Marque residents every single day.

Key Home Statistics in La Marque

16,766

Total Population in La Marque, TX

$145,452

Average Home Value in La Marque, TX

$45,113

Median Household Income in La Marque, TX

40

Median Age in La Marque, TX

Trust TGS Insurance in La Marque

Data as of January 24, 2021

14,000

Total
Customers

$3.10B

Total Assets Covered Projected

9,699

Total Homes Insured

5,360

Total Vehicles Insured

Major Neighborhoods in La Marque, TX

Image of Austin Place Neighborhood

Austin Place

Austin Place is nestled in between Ross Street and Cedar Drive. The neighborhood is close to Martin Luther King Jr. Park and Etheredge Stadium.

Image of Briar Meadow Neighborhood

Briar Meadow

Briar Meadow is located along the Gulf Freeway. The neighborhood is conveniently close to a variety of parks, restaurants, churches and stores.

Image of Cedar Terrace Neighborhood

Cedar Terrace

The Cedar Terrace neighborhood is on Layman Street. Homeowners are close to Bobby Beach Park, Westlawn Park as well as various churches, local businesses and restaurants.

Image of Delany Cove Neighborhood

Delany Cove

Delany Cove is located along the Gulf Freeway. The neighborhood is close to Delany Cove Park, Gulf Meadows Disc Golf Course and Live Oak Picnic Area.

Image of Chimney Corners Neighborhood

Chimney Corners

Chimney Corners is located on Cedar Drive. Residents of this neighborhood are close to a variety of different businesses and a quick drive to Lagana Park and Etheredge Stadium.

Image of Painted Meadows Neighborhood

Painted Meadows

Painted Meadows is right off of FM1764. Homeowners in Painted Meadows enjoy a few local attractions, including Gulf Greyhound Park, Gulf Meadows Disc Golf Course and Jacks Brooks Mountain Bike Trail.

Local Home Resources in La Marque, TX

Police Departments
LA Marque City Police Dept431 Bayou Rd
LA Marque, TX 77568
4099389269