League City Home Insurance Made Simple with Instant, Precise Quotes!
How Much Does League City Homeowners Insurance Cost?
Homeowners insurance in League City, TX costs an average of $1,937 per year. At TGS Insurance, our average customer saves $870 per year on homeowners insurance, with some saving substantially more
What League City, TX Homeowners Insurance Add-Ons Are Available That Will Further Protect You?
Texans know our state’s weather can be wild and unpredictable and depending on where you live, you may want to consider additional insurance add-ons to your homeowners insurance policy. Things like flood insurance or water backup coverage can help round out any gaps in insurance coverage and provide you with peace-of-mind knowing you’re protected from the unexpected.
League City, TX is located just along the Gulf of Mexico and the city is no stranger to torrential weather. From hurricanes, tornados, tropical storms, and even the typical severe spring thunderstorm, homeowners know all-too-well how devastating each of these weather events can bring. All of these events can lead to flooding and contrary to popular belief, flood damage is not covered by your standard homeowners insurance policy, therefore you’ll need to purchase flood insurance for financial protection. The average flood claim is around $43,000 and the average flood insurance policy is $634 per year but can vary depending on your home’s location. That’s a small price to pay for the comfort of knowing you’re protected for any rainy day!
Water damage due to backed-up drains or sewers can leave you with an expensive bill, not to mention a disgusting mess to clean up. At TGS Insurance, we can provide a water backup add-on to your homeowners insurance policy starting at $5,000 in coverage and can go as high as $25,000. This add-on averages about $50-$250 per year depending on your home’s risk and how much coverage you want.
With League City being located along the Texas coastline, homeowners know just how destructive wind and hail can be on their home. TGS Insurance automatically writes in a 2% wind/hail deductible to every single policy we write so you don’t have to worry about purchasing a separate windstorm policy- we’ve got you covered!
The Right Homeowners Insurance Coverage to Meet Your Needs
Reading your homeowners insurance policy can be a bit confusing and we want to help. Check out the video below breaking down all the basics of homeowners insurance and all the common terminology you need to know!
Common Home Insurance Questions from Our Customers in League City
Will homeowners insurance pay for a new roof?
Your homeowners insurance policy will pay for a new roof if the damage occurred from a named peril in your policy, such as a hailstorm. If your roof becomes damaged from a fallen tree due to a storm, that would also be covered by homeowners insurance.
Does homeowners insurance cover water damage from rain?
Homeowners insurance will usually cover water damage from rain, but will not cover water damage due to a flood. So if rain enters your home from an opening on your roof due to a windstorm, you’re covered!
Do I need homeowners insurance during construction?
Yes, you should always carry insurance even while your home is under construction, but you won’t need to purchase a full homeowners insurance policy. While your home is being built, you’ll just need dwelling and peril coverage. If you’re building the home yourself, you’ll want to purchase a full homeowners insurance policy. Just talk to your insurance agent, they’ll be able to help!
Our Local, Independent Agents Are Ready to Help You With Your League City, TX Homeowners Insurance:
TGS Insurance agents deliver an exceptional customer service experience from start to finish. We want to make shopping for homeowners insurance as easy and stress-free as possible.
Zip Codes in League City, TX That We Insure:
Don’t see your zip code listed? Don’t worry, as long as it’s in Texas, we’ve got you covered!