Finding Affordable McKinney Home Insurance Is Easier Than You Think.
Looking for home insurance can be tedious, boring, overwhelming… you name it, we’ve heard it. And we agree! That’s why TGS Insurance Agency is dedicated to doing the heavy lifting for you, starting with instantly comparing quotes from 35+ A-rated (or better) carriers to find you the best possible price in your area, without having to compromise on coverage. We can provide you with your initial quote within 15 seconds with just your address. From there, if you would like to customize your policy, any of our dedicated independent agents are ready to work for you to create a policy that covers everything you need.
We shop. You Save. Yes, it really is that easy.
McKinney Home Insurance Coverage: The Basics
You’ve made the investment in your house, now it’s time to protect it while you make it your home. Most standard policies will provide coverage for the structure of your home, any additional structures on the property, such as a shed or detached garage, and your personal belongings (with varying limits). Coverage will also include financial protection from legal action and medical care in the instance that someone is harmed on your property.
How Much is Home Insurance in McKinney, TX?
The average cost for home insurance in McKinney is $1,352 among TGS Insurance Agency customers. This average is based on policies with an average home value of $ 312,817. While every policy is different and dependent on multiple factors, including your home’s value and coverages you choose, 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. Finding out how much you can be saving is as easy as providing your address above for an instant quote– really!
Average Home Insurance Premiums in McKinney By Dwelling Coverage Levels
Several factors go into a carrier’s calculations for your McKinney home insurance quote. One of the biggest factors is the level of dwelling coverage that you select. Dwelling coverage is based on the value of your home’s structure if you were to rebuild it to its current condition today. For instance, in McKinney carrying $150,000 dwelling coverage costs an average of $1,039, while increasing that coverage level to $450,000 will costs you an average of $1,710 per year.
| Home Value | Average Annual Premium (incl. Wind Coverage) |
|---|---|
| $100,000-$200,000 | $1,039 |
| $200,000-$300,000 | $1,171 |
| $300,000-$400,000 | $1,418 |
| $400,000-$500,000 | $1,710 |
| $500,000-$600,000 | $2,161 |
| $600,000-$700,000 | $2,736 |
Average Home Insurance Premiums in McKinney By ZIP Code
Another factor that plays into your insurance rate is your location. The crime levels in your area, the number of claims filed, the proximity to a firehouse, and the proximity to a body of water are a few examples of location-based factors that carriers consider when calculating your quote.
3 Zip Codes in McKinney with The Cheapest Home Insurance Premiums
| Zip Code | Average Annual Premium |
|---|---|
| 75069 | $1,065 |
| 75071 | $1,067 |
| 75070 | $1,139 |
3 Zip Codes in McKinney with The Most Expensive Home Insurance Premiums
| Zip Code | Average Annual Premium |
|---|---|
| 75072 | $1,731 |
| 75070 | $1,139 |
| 75069 | $1,065 |
Zip Codes in McKinney We Insure
- 75069
- 75070
- 75071
- 75072
Don’t See your zip code? Not a problem! We’re able to help homeowners throughout Texas find the best home coverage for their needs. Get started with a free instant quote by providing your address above.
