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How Much Does Laredo, TX Homeowners Insurance Cost?

The average cost for homeowners insurance in Laredo, TX is about $1,597 each year. At TGS Insurance our Laredo, TX customers pay an average of $732, which means they are saving an average of $865 every year on homeowners insurance!

What Will A Standard Laredo, TX Homeowners Insurance Policy Cover?

Understanding the ins and outs of your homeowners insurance policy is very important for any homeowner. Typically, home insurance policies are clear about the specific situations in which the insurance provider will compensate you for your loss. This means that your home insurance won’t cover any and everything unless it explicitly states in your policy that it’s covered. For example, if a hurricane caused the windows of your home to shatter, you will only get reimbursed if your policy specifically includes a hurricane as a named peril. Let’s take a closer look at the most common home coverages:

Coverage A – Dwelling

Dwelling coverage is the core of your homeowners insurance policy. This piece protects the physical structure of your home. So any floors, walls, ceilings, plumbing, wiring, or even permanent air-conditioning systems – if it’s attached it’s likely covered under dwelling.

Coverage B – Other Structures

This protects other structures that are not attached to your home such as, a detached garage, fence, or shed. Some insurance providers will include protection for your pool as well.

Coverage C – Personal Property

Personal property covers any loss for the value of damaged, lost, or stolen belongings such as furniture, electronics, clothes, and appliances. This type of coverage also extends protection to collectibles, jewelry, and artwork, but only to a certain limit.

Coverage D – Loss of Use

Loss of use covers any additional living expenses (hotel, food) in the event you are unable to live in your home because of damage from a listed peril.

Coverage E – Personal Liability

Personal liability coverage protects you and the members of your household from the financial repercussions of legal action that could be taken if someone is injured on your property or if you or your family cause damage to someone else’s property. 

Coverage F – Medical Payments to Others

This coverage is designed to cover medical expenses that result from an unintentional injury to someone else on your property. It’s important to note that this does not apply to you or members of your household. 

At TGS Insurance Agency, our independent agents are dedicated to working with you to tailor an insurance policy that is tailored to your specific needs- including helping you determine what level of each type of coverage you need to be fully protected.

Common Additional Home Coverages in Laredo, TX

Hail/Windstorm Insurance: Nationally, 1 in 42 insurance claims involve hail and wind damage, with the Texas average being much higher due to the number of hurricanes, tornadoes, tropical storms, and even just severe thunderstorms. These weather events are incredibly damaging to your home and without the right coverage, you could be left with the bill to pay for the costly repairs! At TGS Insurance, we believe in fully protecting our Laredo, TX customers which is why we automatically include a 2% hail/wind deductible into every policy we write.

Umbrella Insurance: Umbrella insurance is a type of personal liability coverage that can be used when you are liable for a claim that exceeds your homeowner’s insurance policy’s limit. It covers bodily injury, personal injury, and property damage. Umbrella insurance can also prevent you from having to pay out-of-pocket for another person’s medical or legal fees in the event you are deemed responsible. The average cost for umbrella insurance ranges anywhere from $150-$400 for a $1 million policy.

Flood Insurance: The typical homeowners insurance policy doesn’t cover water damage as the result of a flood and will only cover some losses from rain or an event that’s sudden or accidental, like a burst pipe. Flood insurance covers the cost to restore your home to its current value and protects your personal belongings. The average cost for flood insurance is $634 per year but can vary depending on your home’s location.

We’re Your “One-Stop-Shop” for Home Insurance in Laredo- Bundle Our Services and Save! 

You can benefit greatly when you bundle your policies like home and auto together and can qualify for major savings! Do you need water backup insurance? Are there any endorsements you would like to add to your policy? Talk to one of our insurance agents to get your new policy set up today!

Zip Codes in Laredo, TX That We Insure:

78040780437804988230
78041780458803088240
78042780468807088278

Don’t see your zip code listed? Don’t worry, as long as it’s in Texas, we’ve got you covered!

Home Insurance Carriers in Laredo, TX

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Progressive Logo
Safeco Logo
Travelers Logo
AIG Logo
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 Laredo's Premier Home Insurance Provider

Laredo neighborhood

Laredo is located right on the Mexican border in south Texas just along the Rio Grande. This historic city is thriving in Tex-Mex culture and home to numerous landmarks including San Agustin Plaza, Republic of the Rio Grande Museum, and San Agustin Cathedral. From shopping, local eateries, to beautiful landscapes, and more- Laredo, TX is a thriving city and a perfect place to call home.

Laredo neighborhood

TGS Insurance provides home insurance in Laredo, TX from dozens of different carriers. Laredo, TX 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 Laredo, TX homeowners every single day!

Key Home Statistics in Laredo

262,491

Total Population in Laredo, TX

$147,800

Average Home Value in Laredo, TX

$60,911

Median Household Income in Laredo, TX

29

Median Age in Laredo, TX

Trust TGS Insurance in Laredo

Data as of October 25, 2021

15,000

Total
Customers

$4.27B

Total Assets Covered Projected

13,700

Total Homes Insured

5,200

Total Vehicles Insured

Major Neighborhoods in Laredo, TX

Image of La Bota Ranch Neighborhood

La Bota Ranch

Settled in the northern portion of Laredo, La Bota Ranch offers its residents beautiful homes with a community spirit. Its location provides a great commute to one of the many industrial centers nearby.

Image of Lago Del Valle Neighborhood

Lago Del Valle

Lago Del Valle is a development found on the eastside of Laredo offering residents a suburban lifestyle in a family-style home environment. Restaurants and shops are a short ride away as are many industrial centers.

Image of J.S.J. Estates Neighborhood

J.S.J. Estates

One of the premiere neighborhoods in north Laredo, J.S.J Estates provides homeowners with a quality community near a wide variety of restaurants, shops, and venues for entertainment.

Local Home Resources in Laredo, TX

Fire Departments
Fire Department - Hazardous Material Information1 Guadalupe St
Laredo, TX 78040
(956) 791-3473
Police Departments
Highway Patrol1901 Bob Bullock Loop
Laredo, TX 78049
9567282200
Laredo Police Dept4712 Maher Ave
Laredo, TX 78049
9567952800
Laredo Police Dept4712 MAHER AVE
LAREDO, TX 78041-3856
9567953135
Laredo Police-Detective Div4712 Maher Ave
Laredo, TX 78049
9567952860
Laredo Police-Records4712 Maher Ave
Laredo, TX 78049
9567952960