Comparison Shop Your Home Insurance Policy in Lancaster, TX from 35+ A-rated Carriers in Seconds!
TGS Insurance is an independent, Texas-owned agency who looks at the world of insurance a bit differently than everyone else. We’re carrier-agnostic, which means we work for YOU and not the insurance company. Using just your address, we can instantly shop your home insurance policy across our bank of 35+ A-rated (or better) carriers to find a policy that best fits your coverage needs and of course, budget. No gimmicks, no BS, just great insurance at a great rate!
How Much is Home Insurance in Lancaster, Texas?
The average home insurance policy in Lancaster, Texas is $2,608 per year. At TGS Insurance, our average customer in Lancaster, TX pays $1,602 per year, which means they are seeing an annual savings of $1,006 compared to the area average!
Source: HelpInsurance.com from Texas Department of Insurance
How is Home Insurance in Lancaster, Texas Calculated?
Your home insurance premium is calculated based on the risk the insurance carrier is taking on to insure your home. The higher the risk, the higher the premium. Here’s a breakdown of what insurance carriers typically look at:
Property-Specific Factors:
- Home size
- Age of your home (older homes = higher premiums)
- Construction type
- Roof condition/age
- Property add-ons (swimming pools, trampolines, etc.)
Location-Specific Factors:
- Weather-related risks (Is your area prone to hurricanes?)
- Crime risks (Is there a lot of crime in your area?)
- Proximity to fire stations and/or hydrants
There are other factors that carriers consider and each weighs these factors differently so your policy rate will really vary depending on which carrier you’re shopping with. Other things that affect your premium are how much coverage you want and need, if you have a specific breed of dog, credit scores, claims history, etc. all can influence your premium. This is why it’s imperative for homeowners to shop their home insurance policy around because you could be missing out on big savings or better coverage with another carrier!
What Does My Home Insurance in Lancaster, TX Cover?
A basic homeowners insurance policy will cover the following:
- The physical structure of your home
- Your personal property (Ex. appliances, clothing, jewelry, technology, etc.)
- Replacement costs
- Living expenses (Loss-of-use coverage)
- Liability
Your home insurance policy will cover all of these things up to a set limit, so if you’re seeking additional coverage in some areas you’ll need to purchase supplemental, or add-on policies to your home insurance policy to bridge any gaps in coverage. Popular policy add-ons in Lancaster, Texas include:
- Scheduled personal property
- Valuable Articles/Floater policies (Ex. jewelry insurance)
- Umbrella insurance (additional liability coverage)
- Animal liability
- Flood insurance (Flood damage is NOT covered under home insurance)
- Water backup coverage
Advantages to Working with TGS Insurance Agency for Your Insurance Needs
Your home insurance policy is meant to protect you, your home, and everything in it. Trust the experts at TGS Insurance to help you insure what matters most, at a rate that doesn’t break the bank because we don’t believe great insurance should cost a ton.
Not only will we shop your rate across 35+ A-rated (or better) carriers to ensure you’re getting the best coverage and rate the market has to offer, we’ll handle the whole process from start to finish so you don’t have to. From enrollment to setting up payment, canceling existing policies, and even working with your mortgage company- we do it all! It’s your one-stop-shop for all things insurance.
And because insurance isn’t a “buy once and done” type of purchase, at renewal time we’ll evaluate your policy coverage and rate and re-shop all over again to ensure you’re still getting the best deal available year after year. Getting home insurance (and staying insured) has never been easier or more affordable than with TGS Insurance.
See what other Texans are saying about TGS Insurance! We’re rated 4.8 out of 5 stars on TrustPilot and 4.5 out of 5 on Google.
Zip Codes in Lancaster, Texas That We Insure:
- 75134
- 75416
Don’t see your zip listed? As long as it’s in Texas, we’ve got you covered with great home insurance!
