Manvel Homeowners Insurance Made Easy with Fast, Reliable Quotes!
Comparison Shop Home Insurance in Manvel, TX from Multiple Carriers in Minutes!
Did you know that only 44% of homeowners comparison shop their home insurance policy when it is time for their renewal? This is mostly attributed to homeowners not wanting to go through the painstaking process of comparing and shopping their policy across multiple carriers. But with TGS Insurance, we do all the work for you! We’ll shop your policy across 35+ highly-rated insurance providers, to find you a policy that fits your insurance needs and budget, year after year. With TGS Insurance, you’ll never overpay for insurance again.
How Much Does Manvel Homeowners Insurance Cost?
The average cost for homeowners insurance in Manvel, TX is about $1,226 per year. Our customers save an average of $870 each year on homeowners insurance when they switch to TGS Insurance!
Calculating Premiums for Home Insurance in Manvel, TX
How your home premium is calculated differently by carrier but it all essentially comes down to risk. What’s the risk to insure your home? Insurance carriers will look at a number of factors when determining your rate, here are just a few of the things that your insurance carrier will need to know:
The Amount of Coverage
The easiest way to figure out how much coverage you need is to determine how much it would cost to totally replace your home. Typically, if you are looking for more coverage, then your premium rates will be higher.
Size, Condition, Materials, and Age of Your Home
Usually, if your home is built from wood, is older (25+ years), or is poorly maintained your premium rates could be higher than houses that are newer or made from brick. If your house is less than 10 years old, you might qualify for discounts!
Homes located in areas with high crime rates or are prone to natural disasters (ex: hurricanes) tend to have higher premium rates because these areas are more likely to file a claim.
How To Lower Your Premiums
- Deductible Amount- Having a higher deductible can lower your premium by 25%.
- Protective Devices- Installing a security system, surveillance camera, motion sensor lights, or even having a fire extinguisher on your property can lower your rate.
- Having A High Credit Score- Homeowners with a poor credit score usually pay double in premiums than a homeowner with a high credit score.
Be sure to ask your insurance agent what discounts are available to you!
How Much is Flood Insurance in Manvel?
In Texas, homeowners pay an average of $634 for flood insurance each year. Manvel, TX is located right outside of Houston, where our TGS Insurance customers pay about $518 a year. This means our customers are saving $116 per year on flood insurance!
Even though there are no bodies of water surrounding Manvel, TX, this area is still in a high-risk flood zone. Each year Manvel homeowners experience about 54 inches of rain and a flood can happen any time outside of a hurricane or tropical storm, the Texas Tax Day Flood being just one example. Even just one inch of water in your home costs an average of $25,000 to fix. Flood insurance is something every homeowner should consider because it protects your home and personal items from flood damage, whereas your standard homeowners insurance policy does not.
Most Popular Additional Home Coverages in Manvel, TX:
Flood Insurance: Did you know that 43% of homeowners think that flood damage is covered by their homeowners insurance policy? This common misconception is untrue. Manvel, TX homeowners need to purchase a separate flood insurance policy if they want their home and personal belongings to be protected from flood damage.
Windstorm and Hail Coverage: Wind and hail damage are two of the most common insurance claims in Texas. Since Texas is on the Gulf of Mexico coastline, some insurance providers might not protect Manvel, TX homeowners from wind/hail damage, because of how frequently it happens. Manvel, TX homeowners should purchase windstorm and hail insurance to guarantee their home and personal items are protected should your home take on damage. At TGS Insurance, we want each of our customers to be fully covered, so that is why we include a 2% hail/windstorm deductible into all of our policies.
Water Backup: Water backup damage is the second-largest type of claim homeowners make each year. Water backup coverage protects your home and personal items from sewage, drain, or sump pump overflows. Water backups can be unexpected, disgusting, and costly to clean up so it’s important for Manvel, TX homeowners to add this type of coverage to their policy. This policy add-on can range from $50-$250 per year with coverage starting at $5,000.
Our Agents Are Ready to Help You With Your Manvel Homeowners Insurance:
Our team of insurance agents are ready to help you with all of your insurance needs. We’ll handle everything from start to finish to make this the easiest insurance buying experience you’ve ever had!