Stop Overpaying for Your Richardson Home Insurance
How Much Does Home Insurance in Richardson, Texas Cost?
On average, homeowners insurance in Richardson costs $1,642 per year among TGS Insurance Agency customers. This average includes a windstorm and hail deductible of 2% and is based on policies with an average home value of $374,104. While every policy is different and contingent on multiple factors, we have been able to save our Texas customers an average of $870 per year on their home insurance premiums when they switch to us. To see how much you could be saving, enter your address above for a free, instant quote.
Comparing the Average Home Insurance Quote in Richardson, TX by Home Value
Below is a comparison of the average home insurance quote from TGS Insurance Agency in Richardson by home value for several price point ranges common in the area. Home value is one of many factors that influences your home insurance rate. Below, home values are rounded to the nearest $25,000 so $150,000 includes homes in the $125,000 to $175,000 range and so on.
|Home Value||Average Annual Premium (incl. Wind Coverage)|
How to Get the Best Homeowners Insurance in Richardson, TX
Home insurance rates vary from carrier to carrier because they all use their own formulas to calculate the risk of insuring a property so the best way to save is to shop around and compare quotes. Sound time-consuming (and boring) to do this on your own? It is. Luckily, residents of Richardson, TX can find the best homeowners insurance for their homes with ease thanks to TGS Insurance. Our free online quoting tool provides you with an accurate, hassle-free quote by just entering your address and you can get your quote in 15 seconds or less! From there, one of our independent agents can help you customize your policy to make sure all your coverage needs are met. In short: we shop, you save.
Common Richardson, TX Home Insurance Questions from Our Clients
Is foundation repair covered under homeowners insurance?
If your home’s foundation is damaged from a covered peril listed in your policy, your homeowners insurance will pay for the repairs. If the damage is from another event such as flooding, you’ll need the appropriate coverage for the event in question or have to pay for the repairs on your own.
Does homeowners insurance cover tree damage?
Tree damage that is a result of damage from a covered peril is covered by your homeowners insurance policy. Trees that fall and do not cause damage may require removal but may not be a covered event under your policy. Rotting trees or trees that require maintenance that fall will also not be covered by your homeowners insurance policy.
Do you need home insurance if your house is paid off?
While you might not have a mortgage company requiring it anymore, the reality is that all homes should have home insurance. The dangers that your home is exposed to do not change after you pay off your home and the risk of not having home insurance is simply too great.
Zip Codes in Richardson, TX That We Insure:
Don’t see your zip code listed? Don’t worry, as long as your home is in Texas we can cover you! Start with your free instant quote by providing your address.