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How Much Does Port Arthur Homeowners Insurance Cost?
Homeowners insurance in Port Arthur, TX costs around $2,611 per year. At TGS Insurance, our average homeowner from Port Arthur pays $1,941 per year, which means they’re saving $670 per year!
What Port Arthur, TX Homeowners Insurance Add-Ons Are Available That Will Further Protect You?
Port Arthur, TX homeowners know how devastating hurricanes, tropical storms, and even severe thunderstorms can be. And depending on where you live, you may want to consider additional insurance add-ons outside of your homeowners insurance policy to fill in any gaps in coverage for unexpected events, such as flooding or water backup.
Port Arthur, TX is nestled just along the Gulf of Mexico and homeowners have seen their fair share of hurricanes and tropical storms. All of these weather events can bring catastrophic amounts of rain and storm surges that can lead to flooding. Flood damage is not covered by your standard homeowner insurance policy, so should your home flood, you’ll be stuck with the bill. At TGS Insurance, we always recommend clients, even those living outside a flood zone, purchase a flood insurance policy. 1 in 4 flood claims are filed by homeowners living outside a flood zone. The average policy costs around $634 per year and can vary depending on your home’s location.
Water backup issues due to sewer problems or backed up drains can leave you with an expensive, not to mention the disgusting problem to deal with. And without the right coverage add-on, you could be left with the bill. The water backup add-on is one of the most popular coverage add-ons available and at TGS Insurance, we offer our clients this add-on starting at coverage for $5,000 going up to $25,000. The average cost can range anywhere from $50-$250 per year depending on how much protection you want and your home’s risk.
Homeowners in Port Arthur know better than most the devastating damage that wind and hail can bring on your home. At TGS Insurance, we think you should be protected against all of the elements, which is why we offer a 2% wind/hail deductible for every policy we write!
At TGS Insurance, We’ll Find the Right Port Arthur, TX Homeowners Insurance Coverage to Meet Your Needs
Understanding your homeowners insurance policy can be a bit challenging and we want to make it simple. Take a look at the video below that explains the basics of homeowners insurance!
Common Home Insurance Questions from Our Customers in Port Arthur
Will homeowners insurance cover water damage?
Yes, your homeowners insurance policy will cover water damage if it’s sudden or accidental. For example, if you have a pipe burst resulting in a damaged wall, your homeowners insurance policy would help cover the costs to repair it. Homeowners insurance does not cover water damage relating to floods, sewer or drainage backup, or negligence.
Does it cost more to insure a rental property?
Yes, it costs more to insure a rental property. Depending on your carrier, landlord insurance can be as high as 20% more than your standard homeowners insurance policy.
How long does it take to get a home insurance quote?
It typically depends on which carrier you’re trying to obtain a quote from. Some companies can offer you a quote in as little as 15 minutes whereas others can take a few days. At TGS Insurance, we can offer you a home insurance quote in 15 seconds or less.
Our Featured Agents Are Ready to Help You With Your Port Arthur Homeowners Insurance:
Shopping for homeowners insurance with TGS Insurance is easy! We shop your policy among our bank of 35+ A-rated carriers to find you the best policy for you at a rate that doesn’t break the bank. Our customer care team delivers a seamless experience from start to finish, and will even handle working with your mortgage lender. See why hundreds of Port Arthur, TX homeowners are using TGS Insurance for all of their insurance needs today!
Zip Codes in Port Arthur, 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!