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The Cost of Midland, TX Home Insurance

Homeowners insurance is tailored to you and your home’s specifications so it will likely be different from anyone else’s. Keeping that in mind, take a look at average annual home insurance premiums:

  • National average1: $2,305
  • Texas average1: $3,429
  • Midland, TX average: $2,512

At TGS Insurance, our customers in Midland, TX pay $1,457 per year for homeowners insurance. This means we’re saving our customers $1,055 compared to the city average!

While your home insurance rates typically differ from the averages because each home is unique, taking a look at these benchmarks, we can gain a greater understanding of what others in your area are paying. Every carrier looks at specific criteria when determining the cost of your insurance. While some elements are outside of your control, there are many factors that you can. Here are some of the common rating factors used by various carriers:

  • Weather (is your area prone to severe weather such as tornadoes, hail, or flooding?) 
  • The crime rate in your area
  • How frequently you make claims
  • The coverages you select 
  • Your credit score (the worst your score, the higher your rate)
  • Your home’s age, construction type, and square footage
  • Discounts that are available to your home

A TGS Insurance agent can help narrow down your home coverage search by running quotes with 35+ A-rated carriers at once (in 15 seconds!). This will ensure you’re getting the best price for the individualized coverage you need without all the hassle.

Protecting Your Home in a Natural Disaster and Extreme Weather

Unfortunately, weather-related claims and natural disasters are a part of life. If a catastrophic event occurs, your home policy needs to have sufficient coverage to help restore and rebuild in the aftermath. The right insurance could mean the difference between whether or not your claim is even paid at all. Some of Midland, TX’s natural disasters are unavoidable, but having the right home insurance to cover the unavoidable is simple with the help of an insurance agent from TGS Insurance.

Natural Disasters and Extreme Weather in Midland, TX: 

  • Number of extreme weather events (1950-2010)2: 2,356
  • Most common event (1950-2010)2: Hail (1,307)
  • Number of tornadoes stronger than or equal to F2 (1950-2010)2: 20

 

Common Home Insurance Questions from Our Customers In Midland, TX

 

Are appliances covered under homeowners insurance?

 

Your appliances are covered by your homeowners insurance policy because they are considered personal property. If you are facing a covered peril such as accidental overflow from steam or water or a fire, your appliance should be covered. With that said, it is important to understand that regular wear and tear will not be covered and to stay protected you may need a home warranty for these events.

 

How much will a security system lower my homeowners insurance?

 

Adding a security system can lower your homeowners insurance cost from 5%-20%. Different risk factors mean different things to insurance companies and these companies craft your homeowners insurance premiums based on the different risk factors they assess to be a threat to your home. Speak to your insurance agent to better understand how much you can save by installing a security system in your home.

 

Do you need home insurance if your house is paid off?

 

Yes, all homes are advised to have an active home insurance policy even if it is paid off. Your home and personal possessions can still be exposed to events such as theft or burglaries and without a home insurance policy, you will be left to pay for the aftermath alone.

 

Working with TGS Insurance Agency Means Service and Support You Can Count On!

TGS Insurance takes pride in our commitment to excellent customer service and finding the right insurance solution for our clients’ needs. We provide more value than just the best coverage for the lowest rate on the market, TGS Insurance works diligently to add value to your enrollment including regular policy reviews to make sure that you continue to receive the best rate on the market year after year.

Zip Codes in Midland, TX That We Insure:

79701797027970379704
79705797077970879711

Don’t see your zip code listed? Don’t worry, as long as it’s in Texas, we’ve got you covered!

Footnotes

1. Bankrate.com
2. USA.com

Home Insurance Carriers in Midland, TX

Allstate Logo
Progressive Logo
Safeco Logo
Travelers Logo
AIG Logo
Metlife Logo
Allied Trust Logo
Maison Logo
Lighthouse Logo
Anchor Logo
 State Auto Logo
ASI Logo
The Hartford Logo
Foremost Logo
Empower Logo
TWIA Logo
National Lloyds's Logo
Liberty Specialty Logo

TGS Insurance is Midland's Premier Home Insurance Provider

Midland neighborhood

Midland, TX aka “The Tall City” is located on the horizon of West Texas. The city has been voted as one of the best places to live as well as the second-fasted growing city in the country! Midland, TX is known for its success in the oil industry, but also has a variety of attractions such as the Wagner Noel Performing Arts Center and Permian Basin Petroleum Museum.

Midland neighborhood

TGS Insurance offers home insurance in Midland, TX from a variety of highly-rated providers. Midland, TX customers all want the same thing - the best home insurance policy at the lowest price. As an independent company with thousands of customers, 35+ carriers, and excellent customer service, shopping for insurance has never been easier for Midland, TX homeowners!

Key Home Statistics in Midland

146,038

Total Population in Midland, TX

$260,507

Average Home Value in Midland, TX

$79,744

Median Household Income in Midland, TX

31

Median Age in Midland, TX

Trust TGS Insurance in Midland

Data as of October 25, 2021

15,000

Total
Customers

$4.27B

Total Assets Covered Projected

13,700

Total Homes Insured

5,200

Total Vehicles Insured

Major Neighborhoods in Midland, TX

Image of Legacy West Neighborhood

Legacy West

Legacy West is a new community perfect for families. Near the largest H-E-B in Midland, Texas, residents can enjoy nearby recreational activities at the community pool, multiple playgrounds, and a community area.

Image of Green Hill Terrace Neighborhood

Green Hill Terrace

Green Hill Terrace is a community in northwest Midland, TX. This family-friendly neighborhood is quiet with nearby schools and recreational activities including Green Hill Park.

Image of Pavilion Park Neighborhood

Pavilion Park

Pavilion Park offers homeowners nice, modern homes as one of the newer communities in Midland, Texas. Nearby, residents can enjoy shops, eateries, and entertainment only a short drive away.

Image of Saddle Club Neighborhood

Saddle Club

Saddle Club features lovely homes in a beautiful West Texas setting. Residents can enjoy the nearby restaurants or the best in equestrian offerings from the Midland Polo Club and Starlight Therapeutic Riding.

Image of Chestnut Place Neighborhood

Chestnut Place

Chestnut Place is a family-friendly development offering a quiet neighborhood for its residents. Located on the northeast side of Midland, Texas, the community is near many parks including Sparks Park and soccer fields.

Image of South Park Neighborhood

South Park

South Park provides the perfect quiet oasis for residents looking to escape the busier parts of Midland, TX, but remain within an arm’s reach of modern amenities. Nearby are multiple parks, eateries, shops, and plenty of entertainment.

Local Home Resources in Midland, TX

Fire Departments
Midland Fire Dept1500 W Wall St
Midland, TX 79701
(432) 685-7332
Police Departments
Midland County Sheriff Dept400 S Main St
Midland, TX 79712
4326884600