With TGS Insurance, Finding The Right La Porte Home Insurance Policy is as Easy as 1-2-3
Comparison Shop Home Insurance in La Porte from Multiple Carriers in Minutes!
La Porte, TX homeowners pay on average $1,937 per year for homeowners insurance. TGS Insurance customers in La Porte pay $1,668 per year, which means we’re saving our customers $268 a year on homeowners insurance! Easily compare over 35+ A-rated (or better) carriers in 15 seconds or less, just with your address! Getting homeowners insurance has never been this easy.
When It Comes to La Porte Homeowners Insurance, Texas Property Owners Can Rely on TGS Insurance for Individualized Coverage.
The standard homeowners insurance policy will cover the following:
- Dwelling coverage (Your home)
- Other structures (Detached garage or fence)
- Personal property coverage (Appliances, electronics, etc.)
- Loss-of-use coverage (Ex: your home becomes unlivable due to a fire)
- Personal liability coverage (If a guest tried to sue you after getting injured on your property)
- Medical payments coverage (Would cover the medical bills if your injured guest was hospitalized)
The standard homeowner insurance policy covers common perils, but for homeowners looking for a bit more coverage, there are policy add-ons you can purchase. Here’s what most homeowners add-on to their policies:
- Flood insurance
- Water backup
- Animal liability (Ex: your dog’s breed isn’t covered by home insurance)
- Umbrella policies
- Valuable articles or a floater policy (Ex: jewelry insurance)
La Porte, TX is right on the Texas coastline and homeowners know all-too-well the powerful hurricanes, tropical storms, and even heavy rainfall that can come in through the gulf. Windstorm coverage is essential for La Porte, TX homeowners, which is why we automatically write a 2% wind/hail deductible into every single homeowners insurance policy we write! It’s the protection you need without the hassle of separate policies.
Comparing the Average Cost of Homeowners Insurance in La Porte By Dwelling Coverage Limit
| Coverage Level | Average Annual Premium (incl. wind coverage) |
|---|---|
| $75k Dwelling | $812 |
| $150k Dwelling | $2,953 |
| $200k Dwelling | $3,542 |
| $350k Dwelling | $5,259 |
*Information used from Help Insure from the Texas Department of Insurance. We applied a methodology of a homeowner with average credit, a home between 10-34 years of age, made of brick in La Porte, TX. Includes wind coverage.
Average Home Value in La Porte, TX
In 2010, the average home value in La Porte, TX was $125,622. The average home value in 2020, is $188,417, which is an impressive $62,795 difference! The market hit an all-time low of $118,531 in 2012, but home values have increased year after year since.
*This data is provided by Zillow.com. Zillow Home Value Index (ZHVI): A smoothed, seasonally adjusted measure of the typical home value and market changes across a given region and housing type. It reflects the typical value for homes in the 35th to 65th percentile range.
Bundle for More Savings!
Bundling your home and auto insurance is one of the easiest ways to save hundreds on your insurance premiums every year. On average, customers can save upwards of 16% a year, with some saving even more!
Shopping your home and auto insurance bundle can be a tedious and time-intensive process, but not with TGS Insurance. Our agents will shop your policies across 35+ A-rated carriers to find you the best-bundled deal that offers great coverage and savings. Saving money on home and auto has never been easier than with TGS Insurance!
Our Agents Are Ready to Help You With Your La Porte Homeowners Insurance:
At TGS Insurance, we want to make shopping for homeowners insurance as easy and stress-free as possible. Our team is dedicated to providing you with a homeowners insurance policy designed to fit all of your needs at a great rate. And we don’t just stop at a great quote, we’ll handle getting your policy set in place, cancel any existing policies and even work with your mortgage company to get payment setup. It’s truly the next-level way to shop for homeowners insurance. See why hundreds of La Porte, TX residents are choosing TGS Insurance today!
