With TGS Insurance, Finding The Right Pinehurst Home Insurance Policy is as Easy as 1-2-3
How Much Does Pinehurst, TX Homeowners Insurance Cost?
The average homeowner in Pinehurst pays almost $1,940 every year for their homeowners insurance premiums. TGS Insurance customers living in Pinehurst pay an average of $1,429 which is a savings of $511 on average each year on their home insurance!
Calculating Premiums for Home Insurance in Pinehurst, TX
Calculating your home’s premium is done by assessing the amount of risk your insurance carrier will take on when insuring your property. There are a variety of risk factors as every home is unique and the higher your risk, the higher you can expect your premium to be.
This analysis goes beyond just your home and extends to the area that surrounds your home as well. Some of the specific factors that will be taken into consideration include your home’s size, how old your home is, and add-ons such as swimming pools, sheds, or guest homes. Surrounding area factors include your local crime rate, home prices in your neighborhood, and the likelihood of a natural disaster or severe weather. Homeowners in flood zones will also have their risk of flooding taken into consideration. Expect your home insurance rates to rise in areas with unfavorable crime rates regarding burglary and vandalism.
Insurance carriers examine these factors to determine the risk of insuring your home, but there are things homeowners can do to lower their monthly premiums. This includes the installation of security systems, motion-sensor lights, and cameras. Homeowners can also contribute to lowering their premiums by improving their credit score.
Most Popular Additional Home Coverages in Pinehurst, TX:
Flood Insurance: Did you know that up to 25% of flood claims come from homes outside of a flood zone? Even if you are outside of a flood zone, this is critical coverage that helps protect your home against flood events as home insurance will not. This is why we always highly recommend purchasing a flood insurance policy to all of our Pinehurst, TX customers.
Windstorm and Hail Coverage: Homes in Pinehurst, TX, are exposed to many conditions that can cause damage from wind and hail including severe thunderstorms, tropical storms, and hurricanes. To avoid paying out-of-pocket for costly repairs with windstorm and hail coverage, we recommend adding this coverage to your policy. In fact, TGS Insurance understands the importance of this coverage so deeply that we automatically include a 2% wind/hail deductible in every policy we write so you can stay prepared and have peace-of-mind!
Water Backup: Damage from backed-up drainage or sewer back-up can take thousands of dollars to repair. TGS Insurance can add protection to help you restore a minimum of $5,000 in damages to protect your homes from this peril.
Advantages of Securing Pinehurst, TX Home Insurance with TGS Insurance:
- We save homeowners in Pinehurst, TX, money by providing more coverage options. By comparison shopping between insurance carrier brands, we are capable of finding the best coverage option for your home at the lowest cost in the market.
- TGS Insurance does the heavy lifting for you. From start to finish we work diligently to get your homeowners insurance policy in place while providing excellent customer service and attention to detail. We can even work with your mortgage company to see to it that everything is in order and your home remains covered.
- Personalized care and maintaining your monthly premium. These are two of the many things you receive when you enroll with TGS Insurance. You are more than a number when you are our client and we work for you year after year to ensure that you remain covered for less by comparison shopping your coverage all over again should there be a rate increase when it is time to renew.
Zip Codes in Pinehurst, TX That We Insure:
Don’t see your zip code listed? Don’t worry, as long as it’s in Texas, we’ve got you covered!