Plano Home Insurance Made Easy: We Shop. You Save.
When it comes to Plano homeowners insurance, Texas property owners can rely on TGS Insurance Agency for personalized coverage.
A basic homeowners insurance policy will cover the following:
- Your home’s structure
- Replacement costs
- A limited amount of personal items
- Living expenses in case of a disaster such as a flood, fire, or severe windstorm.
- Liability in the event of an injury occurring on your property
You can purchase supplemental policies to add to your home insurance suite such as:
- Valuable Articles/Floater policies (i.e. Jewelry Insurance)
- Flood policies
- Windstorm/hail coverage
- Umbrella policies (additional liability)
- Animal Liability (liability issues due to household pets)
Plano Home Ownership Costs
In Plano, TX, home insurance premiums average $3,021 annually, which is over the national average of $2,305 per year. Texas comes in with the 5th highest average insurance premiums in the country.
Median Home Value (owner-occupied)1: $291,300
Median Household Income1: $92,121
Are you a first-time homeowner? Or maybe you are simply looking to reevaluate your home insurance costs? Either way, TGS Insurance is here to help you find the right policy for your home. Our average customer in Plano, TX pays $1,675 for an annual savings of $1,346 compared to the area average!
Most Popular Additional Home Coverages in Plano, TX:
Windstorm and Hail Coverage: Living in Plano, TX, homeowners can be sure of one thing: storms. From severe thunderstorms which can bring hail and tornadoes to the remnants of tropical storms and hurricanes coming in from the Gulf Coast. These weather events can produce wind and hail damage that can require costly repairs to your property and without the right coverage, you’ll be stuck paying for them out of pocket. TGS Insurance believes you should be prepared for anything and that includes wind and hail damage. This is why we automatically include a 2% deductible for any windstorm/hail damage in every homeowners insurance policy we write.
Water Backup: Water damage from inside of your home due to sewer or drainage backup can cost you thousands of dollars and is not covered by homeowners insurance nor flood insurance. Luckily, TGS Insurance provides add-on protection that can help you restore $5,000-$25,000+ worth of damages due to these events.
Flood Insurance: 20-25% of flood claims come from homes outside of flood zones and considering the range of devastation and how expensive restoring your homes and possessions in the aftermath can be, adding flood coverage to protect your home is an important policy for every homeowner.
Most Common Plano, TX Home Insurance Questions from Our Clients
Does homeowners insurance cover water damage from rain?
If the damage is caused by rain that has entered your home from a roof that was damaged during a storm, you can be reimbursed for the damages you sustain. And contrary to popular belief, flood damage will not be covered by your home insurance. For better protection, we recommend all homes add a flood insurance policy to protect against these weather-related perils.
Does homeowners insurance cover tree damage?
While you may be held responsible for paying your deductible, tree damage is usually covered by your home insurance policy.
Are appliances considered personal property by homeowners insurance?
Your appliances are generally covered by your homeowners insurance as personal property; however, if an issue were to arise that is related to the natural wear and tear of said appliance, you would need a home warranty or some other type of protection as this is not an included peril in most home insurance policies.
Our Featured Agents Are Ready to Help You With Your Plano, TX Homeowners Insurance:
Ready to serve homeowners throughout Plano, TX, TGS Insurance is here to find you the right policy for the lowest price available. Our team of top-rated agents provides a stress-free experience thanks to our noted expertise and an unparalleled level of customer service.