Comparison Shop Your Home Insurance Policy in Midlothian, Texas from 35+ A-rated Carriers in Seconds!
We’re TGS Insurance, an independently owned Texas-born insurance agency who handles insurance differently than the rest of the industry. We’re carrier-agnostic, which means we work for YOU and not the insurance agency. Using just your address, we can shop your homeowners insurance policy across our bank of 35+ A-rated (or better) insurance providers to find you a home insurance policy that is perfectly balanced in the coverage you need at a great value! No gimmicks, no hassle, just great home insurance policies.
How Much is Home Insurance in Midlothian, Texas?
In Midlothian, Texas, the average price for home insurance is about $1,513 each year. With TGS Insurance our Midlothian, Texas customers pay about $1,329, which means they are saving about $184 every year on their home insurance policy! Our average Texas customer saves $870 per year.
How is Home Insurance in Midlothian, Texas Calculated?
Your home insurance rate is determined by how much risk an insurance provider will take on when insuring your home. The higher the risk, the higher your insurance premium is likely to be, and vice versa. Here are some of the specific factors that insurance providers generally look at:
Property-Specific Factors:
- Home size
- Age of your home (Homes older than 40+ have higher premiums))
- Construction type
- Roof condition/age
- Property add-ons (Swimming pools, trampolines, etc.)
Location-Specific Factors:
- Weather-related risks (Does your area experience a lot of hurricanes or tornadoes?)
- Crime risks (Is there a lot of crime in your area?)
- Proximity to fire stations and/or hydrants
Insurance providers also take into consideration how much coverage you need, your credit score, your claims history, and sometimes even the specific dog breed you have. Each insurance company has their own formula for calculating your premium, and some factors are more influential than others. This is why it’s important for Midlothian, Texas homeowners to shop and compare their home premiums against other carriers in the market. If not, you could be missing out on major savings or even better coverage with another provider!
What Does My Home Insurance Policy in Midlothian, Texas Cover?
A basic homeowners insurance policy will cover the following:
- The physical structure of your home
- Your personal property (Ex. appliances, clothing, jewelry, technology, etc.)
- Replacement costs
- Loss-of-use coverage
- Liability
The standard homeowners insurance policy will offer protection for each of these categories, within specific limits. If you are interested in adding more coverage, you can purchase additional endorsements to your home insurance policy to help fill in any coverage gaps. Let’s review some popular add-ons in Midlothian, Texas:
- Scheduled personal property
- Valuable Articles/Floater policies (Ex. jewelry insurance)
- Umbrella insurance (Additional liability coverage)
- Animal liability
- Flood insurance (Damage caused by a flood is not covered under home insurance)
- Water backup coverage
Advantages to Working with TGS Insurance
Your home insurance policy is there to financially protect you, your home, and everything in it. When you put your trust in TGS Insurance, you’re gaining an insurance company with a team of experts dedicated to providing you with the best home insurance policy the market has available through our partnerships with over 35+ carriers at an exceptional rate. We don’t believe homeowners should have to sacrifice the coverage they need, just to save money.
We don’t just stop at providing you with a great policy, at TGS Insurance we deliver a first-in-class buying experience that is second to none. From enrollment, to canceling existing policies, and even working with your mortgage lender to setting payment up- we handle everything from start to finish for a stress-free way to get insurance.
Insurance isn’t a “buy once and done” type of purchase which is why you should always shop your home insurance policy every year at renewal. But who has the time for that? We do! When it’s time to renew your policy, we’ll go back to work to re-shop and compare your insurance to ensure you’re still getting the best rate and coverage the market has to offer. It’s our way of making sure you never overpay for great home insurance ever again!
Interested in seeing what others are saying about us? Check out our reviews from Texans just like you! We’re rated 4.8 out of 5 stars on TrustPilot and 4.5 out of 5 on Google.
Zip Codes in Midlothian, Texas That We Insure:
Don’t see your zip listed? As long as it’s in Texas, we’ve got you covered with great home insurance!
- 76065
- 76084
