Needville Home Insurance Made Simple with Instant, Precise Quotes!
How Much is Needville Homeowners Insurance?
The average cost for homeowners insurance in Needville, TX is about $1,188 annually. Texas homeowners who use TGS Insurance for their home insurance needs save an average of $870 per year!
Calculating Premiums for Home Insurance in Needville
Each insurance carrier has their own formula of how they calculate your insurance premium, but it all comes down to risk. How much of a risk is it for the carrier to insure your property? If it’s a higher risk, expect a higher premium. For example, if you’re in an area with a high rate of crime, you could expect a higher premium than someone who has the same home as you across town. If you’re in an area close to the gulf and your city sees a lot of hurricanes, your home will cost more to insure than someone living more inland.
Here are a few other things that will affect how much you pay on your homeowners insurance premium:
- Type of Construction– The materials your house is made up of will impact the price of your premium. For example, homes made out of wood frames tend to cost more to insure than brick homes.
- Age of the House- Insurers sometimes require older homes to have modernized plumbing, heating, wiring, and roofing before they consider insuring your home, or may just tack on a few extra dollars. If you’re in a newly constructed home, you may be eligible for some discounts.
- Amount of Coverage: Depending on how much coverage you’re seeking, it will affect the price you pay. The more coverage you want, the higher the premium.
- Deductible Amount: If you choose to pay a higher deductible, it will reduce the price of your homeowners insurance.
Some insurance companies will offer you a discount if you bundle your home and auto insurance with the same company. Other discounts are offered if you install security systems, motion-sensor lights, and even great credit can help. Be sure to talk to your insurance agent about what discounts are available to you!
At TGS Insurance, We’ll Find the Right Needville, TX Homeowners Insurance Coverage to Meet Your Needs
Understanding your homeowners insurance policy can seem a bit complicated, but it’s really not! Below is a short video breaking down a few of the most common terms you’ll see on your policy and what each means.
Most Popular Additional Home Coverages in Needville, TX:
Flood Insurance: It’s a common misconception that your homeowners insurance covers flood damage, when in fact it does not. Depending on where you live, flood insurance would give you an extra layer of financial protection should a disaster strike. 1 in 4 flood claims come from homes living outside of a flood zone, so regardless of where you live it could happen. The average cost of flood insurance is around $634 per year but can vary depending on your home’s location. While that may seem pricey, the average flood claim is around $43,000 and without a flood insurance policy, you’d be left with the bill. At TGS Insurance, we can shop your flood insurance policy across private and government providers to find you the best rate and coverage available.
Windstorm and Hail Coverage: Needville, TX isn’t too far from the coast and the city isn’t immune to the hurricanes, tropical storms, and even severe storms that can come in through the gulf. For Houston-area residents, the proper windstorm and hail coverage is a must. That’s why at TGS Insurance, we automatically include a 2% wind/hail deductible into every policy we write! This saves you from purchasing a separate policy and keeps money in your pocket.
Water Backup: The standard homeowners insurance provides coverage for water damage that is deemed sudden or accidental, but what about a backed-up drain or sewer backup? Nope, not usually covered by your standard homeowners insurance policy. However, you can purchase a water backup add-on to your homeowners insurance policy for $50-$250/year, with financial protection starting at $5,000 going up to $25,000. So if your sewer drain were to clog up and cause a pipe to burst, it would be covered under the water backup add-on. Water backup will also help in the event you get mold!
Common Needville, TX Home Insurance Questions from Our Customers in Your Area
What is an insurance quote?
An insurance quote is an estimate of how much your homeowners insurance policy would cost. It’s made up of property-specific and regional-specific factors, among other things. At TGS Insurance, you can simply type in your address and either get a quote instantly or have the quote texted or emailed to you along with more details on the policy.
Does homeowners insurance cover water damage from rain?
Typically your homeowners insurance policy will cover water damage from rain if the rain entered your home as the result of a named peril, such as a hurricane or tornado. For example, if a storm caused a window to shatter and rain got into your home and damaged your drywall, you’d be covered. Water damage as a result of flooding is not covered by homeowners insurance.
Does home insurance cover damage to a neighbor’s property?
Homeowners insurance typically comes with a liability coverage section and within it is a Damage to Property of Others coverage. This coverage is typically $1,000 on top of your policy’s liability limits. It’s important to remember that using your own insurance to pay for damage would be considered a claim, which could lead to a premium increase. This coverage is really meant to provide financial assistance if you cannot afford the out-of-pocket expense.
Our Featured Agents Are Ready to Help You With Your Needville, TX Homeowners Insurance:
TGS Insurance is built on a team of knowledgeable industry leaders who are ready to assist you and your insurance needs. We shop your policy with 35+ highly-rated insurance providers to find you the best insurance policy for the lowest price. Our customer service focused team and will be with you every step of the way. Have the confidence in knowing you are getting outstanding prices without compromising coverage!