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Liberty, TX

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The Cost of Home Insurance in Liberty, TX 

 

Home insurance is no one-size-fits-all policy and each home (and homeowner) is unique. This is why your homeowners insurance premium will likely be different than that of your neighbors’. With all of that being said, let’s look at the average annual home insurance premiums to give you a better idea of how Liberty, TX stacks up against the rest of the country. 

 

  • National average1: $2,305
  • Texas average1: $3,429
  • Liberty, TX average: $1,804

 

While your home insurance rate can differ from what’s above, it doesn’t hurt to compare to see where it stacks up. If you determine that your rate is super low compared to the city average, then you may be underinsured. However, if your rate is higher, you may have more coverage than you actually need or you’re being charged too much. Every carrier looks at specific criteria when determining what your home insurance will cost. Some factors are within your control and you have some influence on whereas others you don’t have any control over. Some of the most common things carriers look at when determining your rates are: 

 

  • Your area’s weather (Ex: coastlines are more prone to hurricanes) 
  • Local crime rates
  • Your claims history (Fewer claims = lower premium) 
  • The coverages you select (More coverage = higher premium) 
  • Your credit score (Higher score = lower premium) 
  • The year, construction type, and square footage of your home
  • If you qualify for any discounts

 

One of the best ways to save the most on home insurance is to compare and shop your policy across several different carriers. However, this can be a time-consuming and tedious process. At TGS Insurance, an independent agent can help you narrow down the best policy for your needs and budget by shopping quotes with 35+ A-rated (or better) carriers at once. You can have peace-of-mind knowing you’re getting the best coverage at the best rate, without all the hassle! 

 

Common Additional Home Coverages in Liberty, TX 

 

Flood Insurance: 43% of homeowners think flood damage is covered under their home insurance policy and that is simply untrue. For homeowners in Liberty, TX to have full coverage against floods, a flood insurance policy is a must. Texans pay an average of $700 per year for flood insurance, but our TGS Insurance customers pay $528 per year! We understand that a few extra hundred dollars a year for flood coverage can be a bit of a stretch, but when you consider that the average flood claim can be upwards of $43,000 we think that a flood insurance policy is a worthy investment! 

 

Wind/Hail: Liberty, TX is located close to the Texas coastline and homeowners are all too familiar with the havoc that wind and hail can wreak on their homes due to the number of hurricanes, tropical storms, and heavy rainfall that come up through the Gulf of Mexico. This is why it’s imperative that homeowners in Liberty, TX have the right wind/hail coverage so you’re not left paying out of pocket for costly repairs. At TGS Insurance, we believe you should be protected for anything, which is why we automatically write in a 2% wind/hail deductible into every single home insurance policy we write! 

 

Equipment Breakdown Coverage: This popular policy add-on will reimburse you for any appliances in your home that breakdown due to mechanical or electrical failure. You won’t be reimbursed if your appliance breaks due to normal wear and tear, poor maintenance, or corrosion. This popular add-on can range anywhere between $25-$50 annually with some insurers offering it for even less! 

 

Common Home Insurance Questions from Our Customers in Liberty, TX 

 

What is a home insurance quote? 

A home insurance quote is an estimate of how much an insurance carrier will charge you for a home insurance policy. When shopping for home insurance, a good rule of thumb is to shop and compare your policy across several different carriers for the best quote. TGS Insurance can help you do this! (It’s what we do best!) 

 

Can you get homeowners insurance with bad credit?

Yes, you can get homeowners insurance with bad credit but you may have to pay a higher premium than someone with better credit. Poor credit does not disqualify anyone from home insurance coverage. 

 

Are fires covered by home insurance?

Yes, a house fire is covered by most home insurance policies unless specifically excluded. If your home is destroyed by a fire, your home insurance policy will also cover the cost of living expenses until your home can be restored. 

 

Zip Codes in Liberty, TX That We Insure:

  • 77575

 

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

 

Footnotes

1. https://www.bankrate.com/insurance/homeowners-insurance/homeowners-insurance-cost/

Home Insurance Carriers in Liberty, TX

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Safeco Logo
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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 Liberty's Premier Home Insurance Provider

Liberty neighborhood

Liberty, Texas, also known as "The First City on the Trinity" was established in 1831 and is nestled just between Houston and Beaumont. The town offers its residents a friendly, small-town community feel with suburban amenities within a quick drive. Liberty, TX has an abundance of outdoor and indoor recreational activities, cultural attractions, outdoor events, sports opportunities, and festivals for everyone to enjoy. TGS Insurance is proud to be one of the leading home insurance providers for Liberty, TX homeowners.

Liberty neighborhood

At TGS Insurance, we know that Liberty, TX homeowners all want the same thing- an exceptional home insurance policy at a great rate. This is why we shop every policy we write through our suite of 35+ A-rated (or better) carriers to find a policy that strikes the perfect balance between coverage and value! As a Houston-based insurance agency with thousands of customers across the Lone Star state, extensive industry knowledge, and exceptional customer service- we win business from Liberty, TX residents every day!

Key Home Statistics in Liberty

9,314

Total Population in Liberty, TX

$146,921

Average Home Value in Liberty, TX

$58,057

Median Household Income in Liberty, TX

32

Median Age in Liberty, TX

Trust TGS Insurance in Liberty

Data as of October 16, 2021

15,000

Total
Customers

$4.27B

Total Assets Covered Projected

13,700

Total Homes Insured

5,200

Total Vehicles Insured

Local Home Resources in Liberty, TX

Police Departments
Liberty Police Dept1914 LAKELAND DR
LIBERTY, TX 77575-3855
9363365666
Liberty Police Dept1914 Lakeland Dr
Liberty, TX 77575
9363365666
Sheriff's Office2400 Beaumont Ave
Liberty, TX 77575
9363364505