Longview Homeowners Insurance Made Easy with Quick, Accurate Quotes!
When it comes to Longview homeowners insurance, Texas property owners can rely on TGS Insurance Agency for personalized coverage.
A basic homeowners insurance policy will cover the following:
- The structure of your home
- Replacement costs
- Personal possessions (up to a set limit)
- Living expenses in case of a disaster
- Liability
You can purchase supplemental policies to add to your home insurance suite such as:
- Valuable Articles/Floater policies (i.e. Jewelry Insurance)
- Windstorm/hail policies
- Flood insurance
- Umbrella policies (additional liability)
- Animal Liability (liability issues due to household pets)
Longview,TX Home Ownership Costs
In Longview, TX, home insurance premiums average $2,161 annually, which is just under the national average of $2,305 per year. Texas comes in with the 5th highest average insurance premiums in the country.
Median Home Value (owner-occupied)1: $137,000
Median Household Income1: $47,950
Are you a first-time homeowner? Or maybe you are simply looking to reevaluate your home insurance costs? Either way, TGS Insurance is here to help you find the right policy for your home. Our average customer saves around $870 per year!
Most Popular Additional Home Coverages in Longview, TX:
Windstorm and Hail Coverage: Protecting homes in Longview, TX means protecting against the damage severe thunderstorms, hail, tornadoes, tropical storms, and hurricanes can bring. Severe windstorms and hail can cause costly repairs to your property and without the right coverage, you’ll be stuck paying for them alone. TGS Insurance helps our clients stay prepared for anything and that includes wind and hail damage. We automatically include a 2% deductible for any windstorm/hail damage in every homeowners insurance policy we write.
Water Backup: Damage caused by sewer or drainage backup is expensive to repair and neither homeowners insurance nor flood insurance will cover such an event. At TGS Insurance, we are prepared to help our clients protect themselves from such an event by providing add-on protection against sewer and drainage backup up to $5,000-$25,000+ worth of damages.
Flood Insurance: One in four flood claims come from homes outside of flood zones. Flood events are devastating and expensive and without the right adding flood coverage to protect your home, rebuilding can be a financial nightmare. Make sure you stay protected against floods with a flood insurance policy from TGS Insurance.
Most Common Home Insurance Questions from Our Customers Near Longview, TX
Are homeowners insurance rates going up?
Yes, over the last several years, homeowners insurance rates have risen nearly 60%! This is due to an uptick in costly disasters (hurricanes and wildfires) and the rise in building costs. It is important to enroll today and establish a rate that fits your budget than waiting as costs continue upward.
Will homeowners insurance cover water damage?
If the water damage is from outside of your home your homeowners insurance will not cover it. To stay covered, we recommend homeowners in Longview, TX protect themselves by adding flood insurance. With 20-25% of all flood claims coming from homes outside of a flood zone, this protection is important rather you believe your home to be at risk or not.
Is it a legal requirement to have home insurance in Longview, TX?
While it may not be a legal requirement for homeowners to have a home insurance policy, it is always recommended. Some mortgage companies may require a policy as a term of your loan and home insurance helps protect you from many things including fires, legal liability, medical expenses, and much more. Without a home insurance policy, you may otherwise be held responsible for these expenses. Even if your home is paid for, it is always advised to carry a home insurance policy.
Our Local, Independent Agents Are Ready to Help You With Your Longview, TX Homeowners Insurance:
TGS Insurance has a knowledgeable team of expert agents that work for you, not an insurance brand. Our team is ready to find the right protection for your home by shopping for the lowest rates in Longview, TX without sacrificing coverage. Our agents provide savings and peace of mind all delivered through world-class customer service.
Footnotes
1. Census.gov
