Comparison Shop Your Home Insurance in Little Elm from 35+ A-rated Carriers in Seconds!
At TGS Insurance, we look at the world of insurance a bit differently than the rest. We work for YOU, not the insurance carrier, because we’re carrier-agnostic! Using just your address, we shop your homeowners insurance policy across our bank of 35+ A-rated (or better) carriers to find a policy that best fits your coverage needs at an exceptional value. No gimmicks, no BS, just a great home insurance policy at an even better rate!
How Much is Home Insurance in Little Elm, Texas?
The average policy in Little Elm, Texas is $3,500 per year. At TGS Insurance, our average customer in Little Elm, Texas pays $1,381 per year, which means our customers are currently seeing yearly savings of $2,199 compared to the area average!
How is Home Insurance in Little Elm, Texas Calculated?
Your home insurance premium is calculated based on how much risk the insurance carrier is taking on to insure your home. The lower the risk, the lower the premium, and vice versa. Let’s review some of the most common factors insurance carriers 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 (Higher crime = higher premium)
- Proximity to fire stations and/or hydrants
Each carrier weighs these factors differently, which is why your policy premium can vary carrier by carrier. Other things that affect your premium could be the breed of your family’s pet dog, the type of coverage you need, your credit score, your claims history, and much more. Some things you have control over whereas other things you don’t. This is why it’s important for homeowners to shop their home insurance policy with at least five different carriers because you could be missing out on big savings or better coverage with another carrier! But who has the time to do that? (We do!)
What Does My Home Insurance Policy in Little Elm, Texas Cover?
A basic HO-3 home insurance policy covers:
- The physical structure of your home
- Your personal property (Ex. appliances, clothing, jewelry, technology, etc.)
- Replacement costs
- Loss-of-use coverage
- Liability
Your home insurance policy will cover all of these areas to a set limit, so if you’re seeking additional coverage in some areas, you can purchase supplemental or policy add-ons to fill any potential gaps in coverage. Popular policy add-ons in Little Elm, Texas include:
- Scheduled personal property
- Valuable Articles/Floater policies
- Umbrella insurance (Additional liability coverage)
- Animal liability
- Flood insurance (Water damage from a flood is NOT covered by home insurance)
- Water backup coverage
Advantages to Working with TGS Insurance
Your home insurance policy is meant to protect what matters most to you: your home and your family. Trust the team of experts at TGS Insurance to help you insure your home and everything in it at a price that doesn’t break the bank because we don’t believe good home insurance should cost a fortune.
We have partnerships with over 35+ A-rated carriers (Kemper and Progressive to name a few) and this allows us to shop your insurance across a wide market of providers to find you the best coverage and rate available. But we don’t just stop at a great quote, our customer care team will handle the whole process from start to finish for a seamless and stress-free enrollment. It’s your one-stop-shop for all things insurance!
And because home insurance isn’t a “buy once and done” type of deal, every year at renewal we’ll re-evaluate your policy to ensure you’re still getting the best deal available. If your rates go up or if we find better coverage for the same price elsewhere, we’ll get you switched over with zero hassle. It’s our way of ensuring you never overpay for insurance ever again! Getting insurance (and staying insured) has never been easier or more affordable than with TGS Insurance.
We don’t like to brag, so we’ll let our reviews from real customers speak for themselves. We’re rated 4.8 out of 5 stars on TrustPilot and 4.5 out of 5 on Google.
Zip Codes in Little Elm, Texas That We Insure:
- 75036
- 75068
- 76227
Don’t see your zip listed? As long as it’s in Texas, we’ve got you covered with great home insurance!
