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Mont Belvieu, TX

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Tired of Overpaying for Your Mont Belvieu Home Insurance?

 

The Cost of Mont Belvieu, TX Home Insurance

 

Homeowners insurance is no one-size-fits-all policy and is customized for each individual home and homeowner. This is why what your neighbor pays will be completely different than what you pay! With that being said, let’s look at the average home insurance premiums: 

 

  • National average1: $2,305
  • Texas average1: $3,429
  • Mont Belvieu, TX average: $1,893

 

Your home insurance rate likely differs from the averages, but it doesn’t hurt to compare to see where you stand. If your premium is a lot lower than your city’s average, it could be because you’re underinsured. If you’re paying more, you may be paying for too much coverage or you’re simply overpaying. 

 

Every insurance carrier has its own formula that they use to determine your home insurance policy premium. Each carrier weighs things differently, but there are some common factors that they all look at. Some factors are within your control and you have some influence on, whereas others you can’t really affect. Let’s review what the carrier rating factors include: 

 

  • Weather (Ex: is your area prone to hurricanes or tornadoes?) 
  • Local crime rates
  • Your claims history
  • The coverages you select 
  • Your credit score (Higher score = lower premium) 
  • The year, construction type, and square footage of your home
  • If you qualify for any discounts

 

To save the most on home insurance, it’s best to compare and shop your rates with 5-10 carriers to see who has the best policy and coverage. But, we know this can be a stressful and time-consuming process, so let TGS Insurance do all the heavy lifting for you! We’ll shop your home insurance policy across our suite of 35+ A-rated (or better) carriers to find you a policy that’s packed with coverage at a price that works for you. Shopping for home insurance in Mont Belvieu, TX has never been easier! 

 

Common Additional Home Coverages in Mont Belvieu, TX 

 

Wind/Hail: Mont Belvieu, TX is located just along the Texas coastline which means homeowners are not immune to the devastating wind and hail damage that can occur because of the number of hurricanes, tropical storms, or severe storms that can batter the Texas coastline. Because of the city’s proximity to the coast, some insurance providers will not include any wind/hail coverage in a standard home insurance policy, forcing homeowners to buy a separate, more expensive policy so they can maintain coverage. At TGS Insurance, we want to make getting insured easy and affordable, which is why we automatically write-in a 2% wind/hail deductible into every home insurance policy we issue! 

 

Flood Insurance: Many homeowners are surprised to learn that flood damage is not covered in a standard home insurance policy. To maintain protection against floods, we highly recommend all Mont Belvieu, TX homeowners carry a flood insurance policy to financially guard their homes and personal possessions should a disaster strike. The average flood insurance policy in Texas is $634 per year according to FEMA, but TGS Insurance customers pay an average of $528! We understand that some clients don’t want to pay for additional flood coverage, but the average flood claim is around $43,000- so we think a flood insurance policy is a worthy investment! 

 

Water Back-Up Coverage: Should your home and personal possessions take on damage caused by a clogged sewer line or backed-up drain, you’d be covered with a water back-up policy add-on. This type of policy add-on is incredibly popular in the Mont Belvieu, TX area, and will even cover mold damage caused by water or sewer backup! This policy endorsement can average anywhere between $50-$250 a year (depending on how much coverage you want) with protection starting at $5,000. 

 

Common Home Insurance Questions from Our Customers in Mont Belvieu, TX

 

Does homeowners insurance cover water damage from rain?

Yes, your homeowners insurance policy will cover water damage from rain if the water entered your home due to a covered peril. Your standard home insurance policy will not cover water damage from rain due to negligence or flooding. 

 

Are appliances considered personal property in homeowners insurance?

Yes, appliances are considered personal property in your standard homeowners insurance policy and will offer you financial protection should they take on damage from a named peril unless specifically excluded. 

 

Does it cost more to insure a rental property?

Yes, it is more expensive to insure a rental property because you need landlord insurance, which is about 20% more a year. Rental properties are deemed riskier to insure because they’re more likely to file a claim compared to a primary residence. It’s worth noting, that both the landlord and the tenant may be financially responsible for any damages. 

 

Zip Codes in Mont Belvieu, TX That We Insure:

  • 77521
  • 77523
  • 77580

 

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

 

Footnotes

1. https://www.bankrate.com/insurance/homeowners-insurance/homeowners-insurance-cost/

Home Insurance Carriers in Mont Belvieu, TX

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Anchor Logo
 State Auto Logo
ASI Logo
The Hartford Logo
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National Lloyds's Logo
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TGS Insurance is Mont Belvieu's Premier Home Insurance Provider

Mont Belvieu neighborhood

Mont Belvieu, TX is located about 40 miles east outside of Houston just off of I-10. The small-town is near the Trinity, Galveston, and East Bay and is just a few miles inland from the Gulf of Mexico. The beautiful community boasts a charming feel and is close enough to all the big-city amenities for residents to enjoy, while also still being far enough to bask in the great outdoors. TGS Insurance is proud to be one of the leading insurance providers for Mont Belvieu, TX residents!

Mont Belvieu neighborhood

TGS Insurance delivers home insurance policies in Mont Belvieu, TX that have the coverage you need at a great rate. We don't believe a good home insurance policy should cost a fortune in Mont Belvieu, TX, which is why shop every policy through our bank of 35+ A-rated (or better) carriers for an unbeatable deal every single time. As a Houston-based agency, we deliver extensive industry knowledge, exceptional customer service, and great home insurance policies to all of our Mont Belvieu, TX clients every day!

Key Home Statistics in Mont Belvieu

6,574

Total Population in Mont Belvieu, TX

$334,182

Average Home Value in Mont Belvieu, TX

$94,560

Median Household Income in Mont Belvieu, TX

34

Median Age in Mont Belvieu, TX

Trust TGS Insurance in Mont Belvieu

Data as of October 16, 2021

15,000

Total
Customers

$4.27B

Total Assets Covered Projected

13,700

Total Homes Insured

5,200

Total Vehicles Insured

Major Neighborhoods in Mont Belvieu, TX

Image of Reserve of Champion Estates Neighborhood

Reserve of Champion Estates

Reserve of Champions Estates is a gorgeous community of new homes located off of Lakes of Champions Blvd in Mont Belvieu. Nearby, the Eagle Point Recreation and Golf Club features an 18-hold course, swimming pools, a wave fool, gym, and more!

Image of St. August Meadows Neighborhood

St. August Meadows

St. Augustine Meadows is a stunning new home community in Mont Belvieu, TX. The community’s location provides easy access to I-10, restaurants, entertainment, and shopping. Residents also have plenty of parks and lakes nearby to enjoy!

Image of Lakes of Champion's Estates Neighborhood

Lakes of Champion's Estates

The charming community of Lakes of Champion’s Estates offers residents a peaceful oasis with sidewalks, miles of walking trails, landscaped lakes, and stunning homes. The relaxing atmosphere of this community is conveniently located near H-E-B and local restaurants!

Local Home Resources in Mont Belvieu, TX

Police Departments
Mont Belvieu Police DeptPO Box 1048
Mont Belvieu, TX 77580
2815762417