TGS Insurance is Your Trusted Home Insurance Partner in Porter, TX
Comparison Shop Home Insurance in Porter from Multiple Carriers in Minutes!
Over 56% of homeowners don’t shop their home insurance policy around which can result in missing out on substantial savings. At TGS Insurance, we automatically shop more than 35 A-rated or higher home insurance carriers for homeowners in Porter, TX to always find the best policy at the best rate for our policyholders!
How Much is Home Insurance in Porter, TX?
The average cost for homeowners insurance in Porter, TX is about $1,173 per year. At TGS Insurance, we save our Texas customers an average of $870 per year on homeowners insurance, with some homeowners saving substantially more!
Comparing the Average Cost of Homeowners Insurance in Porter By Dwelling Coverage Limit
| Coverage Level | Average Annual Premium |
|---|---|
| $75k Dwelling | $1,294 |
| $150k Dwelling | $1,791 |
| $200k Dwelling | $2,132 |
| $350k Dwelling | $3,097 |
*Information used from Help Insure from the Texas Department of Insurance. We applied a methodology of a homeowner with average credit, a home between 10-34 years of age, made of brick in Porter, TX.
How Much is Flood Insurance in Porter?
The average cost of flood insurance in Texas is around $634 per year but may vary depending on where your home is located. Porter, TX is just outside of Houston where flood insurance policies average around $592 annually. The average Porter, TX homeowner pays $466 per year when they purchase their flood insurance policy through TGS Insurance, meaning they’re saving $126 per year!
There are a few factors that determine the price of flood insurance:
- The location of your home
- Your home’s value
- The risk of flooding
- The amount of your deductible
Are Floodplains Changing in Porter?
Porter, TX gets an average of about 53 inches of rain each year, well above the US average of 38 inches of rain per year. During Hurricane Harvey alone, Porter, TX recorded around 38 inches of rain! New precipitation maps released by the NOAA have increased the threshold for a 100-year flood in Porter by 4 inches! Based on this new data, there is potential that floodplain maps could require updates to the 100-year floodplain which would likely expand the number of homes with increased home insurance rates from being in a flood plain.
Regardless of what FEMA decides to do with this new data after further analysis, it’s important to remember that more than 20% of all flood insurance claims from Harvey were from those living outside of a flood zone. Porter, TX is vulnerable to natural weather disasters such as tropical storms and hurricanes, so regardless of whether you live outside of a flood zone, homeowners should always consider a flood insurance policy to protect their property.
Additional Home Coverages:
Windstorm Insurance: Intense windstorms come in many forms, and homeowners in Porter, TX know all too well the destruction they can bring. Windstorm insurance policies are typically purchased as a separate add-on coverage. It protects the physical harm to your home and personal property in the event of a tornado, hurricane, or tropical storm in your area.
The TGS Difference: We believe you should be covered for any event, and that includes windstorms. Our standard Porter, TX homeowners insurance policies automatically come with a 2% windstorm/hail deductible. TGS Insurance can customize your coverage by adding or subtracting windstorm protection based on your insurance needs.
Hailstorm Insurance: Texas is the #1 state for hail damage (2017-2019) and depending on your homeowners insurance policy, hail damage might not be covered due to Porter, TX’s proximity to the Texas coastline.
The TGS Difference: Keeping you prepared against hail damage, we will automatically write-in hail protection as part of your standard Porter, TX home insurance policy, with a 2% hail/windstorm deductible that can be customized as you desire.
Flood Insurance: Porter, TX is around 102 ft above sea level whereas the national average is over 2,440 ft. Homeowners should seriously consider purchasing a flood insurance policy. One of the biggest misconceptions is that home insurance will pay for damage caused by a flood; however, flood damage is not covered by your homeowners insurance. Flood insurance protects your home and personal belongings from rising waters during hurricanes, tropical storms, or any other heavy rainfall event.
The TGS Difference: To make sure that you get the best coverage for the lowest rate, we shop your flood insurance rates through FEMA and other private insurers so you always get the best rate available.
Bundle Your Policies for Added Savings!
An easy way to save money on your homeowners insurance policy is by bundling your homeowners insurance with an auto insurance policy. When you purchase two policies from the same insurance carrier, our customers can save up to 25% each year on their premiums!
Working closely with 35+ highly-rated insurance providers, TGS Insurance ensures that you are receiving the best bundling options for your home and auto with the best coverage at the lowest price!
Zip Codes in Porter, TX That We Insure:
- 77365
Don’t see your zip code listed? Don’t worry, as long as it’s in Texas, we’ve got you covered!
