Protecting Mansfield Homeowners with Customized Home Insurance Coverage
When it Comes to Mansfield Homeowners Insurance, Texas Property Owners Can Rely on TGS Insurance Agency for Personalized Coverage.
A basic homeowners insurance policy will typically cover the following:
- Interior and exterior damage to the structure of your home by a peril named in your policy
- Additional living expenses for a hotel or house rental if your home becomes unlivable by a covered peril
- Limited coverage for your personal belongings (depending on the value of your belongings, supplemental coverage may be necessary)
- Liability coverage to protect you from legal repercussions should someone become injured on your property at your fault
You can purchase supplemental policies to add to your home insurance suite such as:
- Jewelry, Fine Arts & Collectibles Coverage
- Flood Coverage
- Windstorm/Hail Coverage
- Mold/Fungi Coverage
- Excess Liability Coverage
Mansfield, TX Home Ownership Costs
Median Home Value (owner-occupied)1: $257,100
Median Household Income1: $99,510
In Mansfield, TX, home insurance premiums average $2,824 annually. At TGS Insurance, our average Mansfield, TX customer pays $1,891 per year for homeowners insurance. This means TGS Insurance customers in Mansfield save $933 per year!
If you’re a new homeowner, or simply want to evaluate your current home insurance policy, an independent insurance agent expert at TGS Insurance Agency can help you find the right policy for your home.
Popular Additional Home Coverages in Mansfield, TX:
Windstorm and Hail Coverage: Homeowners in Mansfield, TX know the power and destruction of severe thunderstorms, tornadoes, the remnants of tropical storms and hurricanes. What they leave in their path can devastate your home making it important for homeowners to protect their homes from these costly, damaging weather events. Without the right coverage, you’ll be stuck paying for these repairs yourself, but TGS Insurance understands the importance of this coverage and helps homeowners prepare by automatically including a 2% deductible for any windstorm/hail damage in every homeowners insurance policy we write.
Water Backup: Sewer or drainage backup aren’t covered by homeowners insurance nor flood insurance. These events are quite devastating and disgusting to contend with. Homeowners can end up spending thousands of dollars on repairs without the right coverage options. TGS Insurance provides add-on protection that can help you restore $5,000-$25,000 worth of damages to protect homeowners from these events.
Flood Insurance: Though many homeowners believe home insurance will keep them covered, flood events require flood insurance. Unfortunately, for homeowners who are not covered with the right policy, flood events mean a costly situation in the aftermath when rebuilding. Up to 20-25% of flood claims come from homes located outside of flood zones, so even if your home is not deemed a risk you should still remain covered with a flood insurance policy. Avoid paying for expensive costs in the aftermath of a flood alone with a flood insurance policy from TGS Insurance.
Common Home Insurance Questions from Our Customers Near Mansfield, TX
Are fires covered by home insurance?
Yes, one of the most expensive and destructive events a homeowner can face are fires and home insurance is there to help you recover.
Can you do your own repairs in a homeowners claim?
Though your lender may require you to hire a professional, each situation is different and if you own your home you’re likely allowed to do the repairs yourself.
Is it a legal requirement to have home insurance in Mansfield, TX?
Your mortgage company may have home insurance as a term and condition of your loan, but it isn’t illegal to not have home insurance in Mansfield, TX. With that being said, it is always advised. Even if your home is paid for, the destruction your home could face, the liability you could expose yourself to, and the possessions you leave unprotected aren’t worth the risk. We always recommend under any circumstance that homeowners stay insured with the right coverage for their home.
Our Local, Independent Agents Are Ready to Help You With Your Mansfield, TX Homeowners Insurance:
TGS Insurance serves homeowners of Mansfield, TX every day with an unmatched level of customer service and our expertise in finding great home insurance policies at the lowest possible rate on the market. Our team delivers a stress-free, comprehensive experience for our clients to ensure a smooth enrollment process and full coverage that keeps your home protected.
Footnotes
1. Census.gov
