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Murphy, TX

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Comparison Shop Your Murphy Home Insurance Policy from 35+ A-rated Carriers in Seconds! 

As an independent, Texas-owned agency, TGS Insurance delivers a different take on home insurance. We’re carrier-agnostic, which means work for YOU, not your insurance company. Using only your address, TGS Insurance can shop across 35+ A-rated (or better) home insurance carriers to instantly provide a quote from one of the many carriers we’re partnered with. We find the right coverage with a policy that protects and fits your budget best. No gimmicks, no BS, just the best home insurance for your home at the best rate on the market!

 

How Much is Home Insurance in Murphy, Texas? 

Homeowners in Murphy, Texas pay an average of $3,515 per year on their homeowners insurance. At TGS Insurance, our average customer in Murphy, Texas only pays $1,679 per year for an annual savings of $1,836!

 

How is Home Insurance in Murphy, Texas Calculated? 

Your home insurance premium is based on how much risk an insurance company will undertake while insuring your home. If your home poses more risks, you’ll be stuck with a higher premium. Here’s a closer look at some of the main factors insurance carriers will consider while insuring your home: 

 

Property-Specific Factors: 

  • Your home’s size
  • When your home was built (Homes with higher age will result in higher premiums) 
  • Construction type (The building materials used)
  • Your roof’s age and condition
  • Property add-ons (Ex: swimming pools, trampolines, etc.) 

 

Location-Specific Factors: 

  • Weather-related risks (The frequency of natural disasters near your home such as hurricanes) 
  • The crime rate around your home (More crime = higher rates) 
  • The proximity of your home to fire stations and/or hydrants 

 

Because of the many factors that go into crafting your coverage and the many different ways each brand weighs these risks, your home insurance rate will differ. Some additional factors that will affect how much your home insurance premium includes the amount of coverage you enroll in, your credit score (higher scores equate to lower premiums), the breed of your dog, your claims history, and many more. Because of these different factors, homeowners must shop their home insurance policy or they risk missing out on opportunities to save and find the best coverage available from another carrier! 

 

What Does My Home Insurance Policy in Murphy, Texas Cover? 

A basic homeowners insurance policy will cover: 

  • Your home’s physical structure
  • Personal property such as appliances, clothing, electronics, jewelry, etc.
  • Replacement costs 
  • Loss-of-use coverage should your home become unlivable
  • Legal and medical protection (Liability coverage)

 

Home insurance policies protect you from many perils, but policy limits do exist, and depending on your coverage needs, supplemental and add-on policies may be right for your protection. These options are available for homeowners and can be added to your home insurance policy to protect by filling any gaps. Learn more about some of the most popular policy add-ons protecting homeowners in Murphy, Texas: 

  • Scheduled personal property 
  • Valuable Articles/Floater policies 
  • Umbrella insurance (additional liability coverage) 
  • Animal liability 
  • Flood insurance (Flood damage requires a separate policy) 
  • Coverage that protects against water backup damages (Ex. sewer backup) 

 

Benefits of Working with TGS Insurance Agency 

Your homeowners insurance is there to protect you, your home, and your possessions. When you trust the experts at TGS Insurance to protect what matters most to you, you’ll gain a team of experts crafting the coverage you need for a low rate because we believe great insurance shouldn’t have to break the bank.

 

TGS Insurance will shop your home insurance rate among our 35+ A-rated carriers (Travelers, Encompass, Kemper, etc.) to make sure you’re receiving the best coverage for your home at the lowest rate on the market. Our agents handle the entire process from start to finish so you can sit back and relax. From the enrollment process, to setting up your payment, to canceling your existing home insurance policies…we’ll even work with your mortgage company. TGS Insurance is your one-stop-shop for all things insurance- we’ll do it all!

 

Home insurance isn’t a “buy once and done” transaction. Homeowners who are facing rate increases at renewal will be elated to know that TGS Insurance continues to work for you by re-evaluating your policy coverage and your rate yearly while re-shopping your coverage all over again. Protecting your home with the right coverage, and staying insured for less, has never been easier than with TGS Insurance.

 

Don’t take our word for it. Discover what other Texans are saying about TGS Insurance! We’re rated 4.8 out of 5 stars on TrustPilot and 4.5 out of 5 on Google.

 

Zip Codes in Murphy, Texas That We Insure: 

  • 75094

Don’t see your zip listed? As long as it’s in Texas, TGS Insurance has you covered with great home insurance! 

Home Insurance Carriers in Murphy, TX

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

TGS Insurance is Murphy's Premier Home Insurance Provider

Murphy neighborhood

Murphy, Texas is located in Collin County on the outskirts of the DFW Metroplex. This hometown values being safe, vibrant, family-oriented, and a city that fosters a strong sense of unity. Within this tight-knit community, it contains attractive parks and trails, community involvement, and engaging activities for all ages! TGS Insurance is proud to be one of the leading insurance providers for Murphy, Texas homeowners.

Murphy neighborhood

Murphy, Texas homeowners all want an exceptional homeowners policy for a great rate. At TGS Insurance, we shop your insurance with 35+ carriers to find you the best policy. As a locally owned agency with thousands of customers, great customer service, and extensive knowledge, we win business from Murphy, Texas residents every day.

Key Home Statistics in Murphy

20,500

Total Population in Murphy, TX

$416,768

Average Home Value in Murphy, TX

$132,589

Median Household Income in Murphy, TX

37

Median Age in Murphy, TX

Trust TGS Insurance in Murphy

Data as of August 01, 2021

15,000

Total
Customers

$4.27B

Total Assets Covered Projected

13,700

Total Homes Insured

5,200

Total Vehicles Insured

Major Neighborhoods in Murphy, TX

Image of Bluff Creek Estates Neighborhood

Bluff Creek Estates

Bluff Creek Estates is a beautiful place to live where residents can experience hike and bike trails, relaxing parks, and award-winning schools.

Image of The Gables at North Hill Neighborhood

The Gables at North Hill

The Gables at North Hill is a small-knit community located in Murphy, Texas. The neighborhood features sports fields, playgrounds, and walking trails.

Image of Maxwell Creek Neighborhood

Maxwell Creek

Maxwell Creek is a new neighborhood with an assortment of activities! Its natural beauty combined with its close proximity to shopping and dining is what makes it a wonderful place to live.

Local Home Resources in Murphy, TX

Fire Departments
Murphy Fire Department206 N Murphy Rd
Murphy, TX 75094-3512
972-468-4045
Murphy Fire Department Company206 N MURPHY RD
MURPHY, TX 75094
972-468-4250
Police Departments
Murphy Police Dept206 N Murphy Rd
Murphy, TX 75094
9724244797