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How Much Does Home Insurance in Red Oak, Texas Cost? 

 
The average homeowners insurance policy in Red Oak, Texas costs homeowners an average of $2,190 per year. That’s $1,239 less than the Texas average of $3,429 per year. At TGS Insurance, our average client living in Red Oak, Texas pays only $1,214 per year, delivering a total savings of $976 on average compared to other homes in the city!

 

Compare the Average Cost of Homeowner Insurance in Red Oak, Texas by Dwelling Coverage Limit

 

Coverage AmountAverage Annual Premium (incl. Wind Coverage)
$75,000$1,375
$150,000$1,823
$200,000$2,125
$350,000$3,025

*We used the Texas Department of Insurance to calculate premiums. Methodology based on a homeowner with average credit, owns their home, no claims within the past 5 years, age of house is 10 to 34 years made of brick and includes windstorm coverage.

 

Property Owners in Red Oak, Texas Can Expect Personalized Homeowners Insurance Coverage with TGS Insurance 

 

A basic home insurance policy will cover the following: 

  • The structure of your home other structures on the property 
  • Replacement costs 
  • Personal possessions (Up to a certain limit) 
  • Loss-of-use coverage to cover food and lodging if your home becomes unlivable
  • Liability (Personal and medical payments)

 

If you’re looking for a bit more coverage for your home insurance policy in Red Oak, Texas, you can purchase policy add-ons such as: 

  • Flood insurance
  • Umbrella insurance (Additional liability protection)
  • Animal liability
  • Water backup coverage (Sewer & sump pump coverage)
  • Equipment breakdown coverage 
  • Extended replacement cost
  • Scheduled personal property (Protection for valuables that exceed your policy limits such as jewelry or instruments)

 

These are some of the most common add-ons homeowners in Red Oak, Texas use to protect themselves and their homes. TGS Insurance is here to help you navigate these policies with our trained team of agents ready to provide the right add-ons for your coverage needs that prevent gaps in coverage without having you overpay.

 

Common Perils in Red Oak, Texas That Every Homeowner Needs Coverage For

 
Texans know that living in this beautiful state comes with unique weather challenges. Residents throughout the Lone Star State have seen their fair share of extreme weather ranging from floods to hail to hurricanes and even tornadoes. It is important for every homeowner to have the right home insurance policy that is built to protect against these many common weather perils.

 

Your homeowners insurance policy will cover these common perils: 

  • Fire & smoke damage
  • Windstorms/hail
  • Damage from lightning
  • Vandalism, theft, and malicious mischief 
  • Falling objects
  • Damage from aircraft and vehicles 
  • Explosions
  • Riots and civil disturbance
  • Power surges
  • The weight of ice, snow, sleet 
  • Water damage (It must be of a sudden and accidental nature, wear and tear is not covered)

 

You’ll notice that flood damage is not listed here, and this is because to be covered for floods, homeowners must purchase a separate flood insurance policy. The average flood insurance policy costs homeowners in Texas $634 per year, but TGS Insurance’s customers can save by only paying $528 per year on average. You and many other homeowners may think flood insurance is unnecessary, however, more than 25% of all flood claims come from homes outside of flood zones with the average flood claim reaching $42,580 in damages during 2018. We hope you never use your flood insurance policy, but it is a worthy investment that can protect your finances and keep you from paying out of pocket in the aftermath of a flood. 

 

In addition to floods, Texas is subjected to a variety of windy events that can cause damage to your home including tornadoes, hurricanes, and other tropical storms. Even severe thunderstorms can bring destructive winds and hail! Be sure to keep your home protected by making sure your home insurance policy comes with proper windstorm and hail coverage included. At TGS Insurance, we want our clients ready for anything that may come their way and automatically write in a 2% wind/hail deductible into all of our home insurance policies for homeowners in Red Oak, Texas!

 

TGS Insurance is Your One-Stop-Shop for Insurance in Red Oak, Texas 

 
At TGS Insurance, we make insuring your home as easy and simple as possible. Our agents comparison shop your policy through our bank of 35+ A-rated (or better) carriers so you don’t have to,  to make sure you receive the best coverage at the lowest rate on the market. We believe homeowners deserve great coverage and that your protection doesn’t have to break the bank. We’ll even handle your entire enrollment process from start to finish for a seamless experience!

 

We love helping our customers save money and provide plenty of ways for our clients to take advantage of the discounts available through bundling other policies together! Can an umbrella policy help you stay protected? Looking to save money on your auto insurance? Or are you in need of boaters insurance for your watercraft? Whatever protection you need, we can help you stay protected and save!

 

Zip Codes in Red Oak, Texas That We Insure:

 

  • 75125
  • 75152
  • 75154

 

If you don’t see your zip code listed, don’t worry! As long as you live in Texas TGS Insurance has you covered with great insurance!

Home Insurance Carriers in Red Oak, TX

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Allied Trust Logo
Maison Logo
Lighthouse Logo
Anchor Logo
 State Auto Logo
ASI Logo
The Hartford Logo
Foremost Logo
Empower Logo
TWIA Logo
National Lloyds's Logo
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TGS Insurance is Red Oak's Premier Home Insurance Provider

Red Oak neighborhood

Red Oak, Texas is iconically known for its abundance of red oak trees. This city is the perfect combination of city life and suburban charm, where residents can take advantage of urban conveniences such as shopping, dining, and entertainment but still escape to the tranquility of the suburbs. It's easy to see why so many Texans call Red Oak, Texas home!

Red Oak neighborhood

At TGS Insurance, we deliver the best home insurance policies on the market to Red Oak, Texas homeowners by shopping each policy through our bank of 35+ A-rated (or better) insurance carriers. This allows us to find a policy that's perfectly balanced in the coverage you need at the best rate available. We win business from Red Oak, Texas homeowners every day through our extensive industry knowledge, exceptional customer service, and of course- great home insurance policies!

Key Home Statistics in Red Oak

13,464

Total Population in Red Oak, TX

$246,039

Average Home Value in Red Oak, TX

$68,570

Median Household Income in Red Oak, TX

34

Median Age in Red Oak, TX

Trust TGS Insurance in Red Oak

Data as of August 01, 2021

15,000

Total
Customers

$4.27B

Total Assets Covered Projected

13,700

Total Homes Insured

5,200

Total Vehicles Insured

Major Neighborhoods in Red Oak, TX

Image of Hickory Creek Neighborhood

Hickory Creek

Hickory Creek is a beautiful suburban community in Red Oak, Texas, featuring large homes and well-maintained lawns. Residents are near shops, eateries, Watkins Park, and have easy access to I-35.

Image of Camden Park at Red Oak Neighborhood

Camden Park at Red Oak

Camden Park at Red Oak features newer single-family-style homes on the east side of Red Oak, TX. The community is near Red Oak Eastridge Elementary as well as many other local institutions.

Image of Estates of Cole Manor Neighborhood

Estates of Cole Manor

Estates of Cole Manor is a neighborhood featuring large homes, spacious lots, and the beautiful suburban lifestyle found on the east side of Red Oak, TX. Residents are near many local businesses including the Red Oak Fun Center.

Image of Harmony Neighborhood

Harmony

Harmony is an appealing community in Red Oak, TX. Featuring an eye-popping water feature and great proximity to downtown amenities, residents enjoy one of the most sought-after areas in the city.

Image of Oakmont Park Neighborhood

Oakmont Park

Oakmont Park is a newer development featuring charming, contemporary homes in Red Oak, Texas. Just east of downtown, residents can enjoy shops and restaurants nearby and Hargrove Park for recreation.

Image of The Woods of Red Oak Neighborhood

The Woods of Red Oak

The Woods of Red Oak can be found southeast of downtown Red Oak, Texas. Residents are near many learning institutions with great commutes to both Red Oak High School and Texas State Technical College.

Local Home Resources in Red Oak, TX

Fire Departments
Glenn Heights City - Administration- Fire Department- City Hall- Public Works- Water Depart1938 S Hampton Rd
Red Oak, TX 75154
(972) 223-1690
Police Departments
Glenn Heights Police Dept550 E Bear Creek Rd
Red Oak, TX 75154
9722233478
Red Oak Police Dept547 Methodist St
Red Oak, TX 75154
9726177632