Lufkin Homeowners Insurance Made Easy with Quick, Accurate Quotes!
The Cost of Lufkin Home Insurance
The average cost of home insurance in Lufkin is $1,323 (including wind coverage) among TGS Insurance Agency customers. While policies differ from home to home depending on several factors such as home value and the coverages you select, we have proudly been able to save our Texas customers an average of $870 per year on their home insurance premiums when they switch to us. Seeing how much you could be saving is as easy as providing your address above!
Comparing Lufkin Home Insurance Quotes by Home Value
Home value is just one of the many factors that influence your home insurance premium. Below is a comparison of the average home insurance quote from TGS Insurance Agency for Lufkin, TX based on different home values. Home values are rounded to the nearest $25,000 so for example, $250,000 includes homes in the $225,000 to $275,000 range.
| Home Value | Average Annual Premium (incl. Wind Coverage) |
|---|---|
| $250,000 | $1,175 |
| $300,000 | $1,276 |
| $350,000 | $1,364 |
| $400,000 | $1,485 |
| $450,000 | $1,621 |
| $500,000 | $1,698 |
Common Homeowners Insurance Endorsements in Lufkin, TX
Flood Coverage
Home insurance will protect you from many different perils but flooding is not one of them. As many as 1 in 4 flood claims come from homes outside of a flood zone and the devastation floods can bring mean that flood insurance is important for every home. The average flood insurance policy in the state of Texas can cost around $634 per year but can vary depending on your home’s location. TGS Insurance helps homeowners find the right flood insurance policy to protect themselves by shopping through both private and government-issued policies.
Sewer/Water Back-Up Coverage
Homeowners suffering from sewer or water backup can find themselves facing a disgusting and costly problem that neither home nor flood insurance will cover. TGS Insurance provides a unique coverage option for such events that can help cover up to $5,000-$25,000+ in damages. The average cost of this policy add-on can range from $50-$250 per year depending on how much coverage you want.
Identity Theft Coverage
Protecting your identity becomes an increasingly important step for protecting your financial standing. While a homeowners insurance policy will help keep you protected against theft, protecting your identity will require additional coverage. As more and more of our sensitive information is available online, thieves have advanced their tactics and the way thefts happen continues to evolve. TGS Insurance clients have access to identity theft coverage options to keep them protected from harmful attacks online and elsewhere that would compromise their identity.
Common Home Insurance Questions from Our Customers in Lufkin
What is a homeowners insurance quote?
A homeowners insurance quote is a look at the amount you will pay every month to protect your home and personal possessions against named perils within your policy. TGS Insurance works hard to provide you with an accurate quote in moments not minutes by shopping through our 35+ top-rated insurance carriers to find the right coverage at the lowest rate for your needs.
Does homeowners cover lost jewelry?
Yes, your homeowners policy will cover lost jewelry, but only to the limit specified within your policy in most cases. This is typically a limit that is around $2,500 and for more expensive pieces and collections, you’ll need to have additional jewelry insurance to stay protected.
Is it a legal requirement to have home insurance in Lufkin, TX?
While it is not a legal requirement to have home insurance coverage for your home your lender may require it as a term and condition of your loan. Furthermore, we here at TGS Insurance always recommend that homeowners have a proper home insurance policy in place. Even if your home is paid off, replacing personal possessions, paying for costly repairs, and protecting yourself from various legal and medical bills are always important things to consider.
Zip Codes in Lufkin, TX That We Insure:
- 75901
- 75902
- 75903
- 75904
- 75915
Don’t see your zip code listed? Don’t worry, as long as it’s in Texas, we’ve got you covered!
