Rockport Homeowners Insurance Made Easy with Fast, Reliable Quotes!
What Does Home Insurance Cost in Rockport, Texas?
The average cost for homeowners insurance in Rockport, Texas is about $1,192 per year, which is $2,237 less than the Texas statewide average of $3,429 per year. At TGS Insurance, our customers save an average of $870 each year on homeowners insurance!
What Will The Standard Home Insurance Policy in Rockport, Texas Cover?
Understanding what your home insurance policy does and doesn’t cover is imperative for every homeowner because your homeowners insurance policy will clearly state what your provider will compensate you for, and how much, should you suffer a covered loss. Home insurance doesn’t protect everything, so that is why it is so important that you know what type of coverage you have. Let’s take a look at what the most common type of home insurance policy, a HO-3 policy, protects.
Coverage A- Dwelling
This protects the physical structure of your home and anything that’s attached to it, such as your plumbing, wall structure, flooring, wiring, etc. A good rule of thumb is to get enough coverage to completely replace your home to its current value plus construction costs in the event it is demolished.
Coverage B- Other Structures
Other structures coverage protects detached structures on your property such as your garage, fence, or shed.
Coverage C: Personal Property
Personal Property coverage protects your personal belongings inside and outside your home. Examples include appliances, electronics, clothing, furniture, jewelry, etc. If you have valuable items that exceed your policy limits, talk to your insurance agent about add-on policies to fill in the coverage gaps.
Coverage D: Loss Of Use
Loss of Use covers the costs for additional living expenses in the event your home is uninhabitable due to damage from a listed peril. Expenses covered include hotel or restaurant bills- but up to a certain limit.
Coverage E: Personal Liability
Personal liability coverage will cover any legal fees or monetary losses should you or someone in your home be found liable for someone getting injured on your property, or caused damage to someone else’s property.
Coverage F: Medical Payments
If someone is injured on your property it covers the medical fees, regardless of who is at fault. It’s important to note that this does not apply to you or members of your household.
Home Insurance Price by Coverage Amount in Rockport, Texas
When you compare your current home insurance premium with other premium averages in your area, it can help you see if you’re overinsured or underinsured. (Both of which are not a good thing.) You don’t want to have too much coverage because you could be paying for protection you don’t even need or can’t use. And if you don’t have enough coverage you could be financially vulnerable and may have to pay for damages out of pocket should you need to file a claim.
Let’s take a look at the average home insurance policy premium by coverage amount in Rockport, Texas:
| Coverage Amount | Average Annual Premium (incl. Wind Coverage) |
|---|---|
| $75,000 | $2,956 |
| $150,000 | $4,150 |
| $200,000 | $4,946 |
| $350,000 | $7,193 |
*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.
Popular Home Insurance Policy Endorsements in Rockport, Texas
Hail/Windstorm Insurance: The two most common home insurance claims in Texas are for wind and hail damage. It’s important for Rockport, Texas homeowners to have the proper wind/hail coverage should your home take on damage due to a gusty storm such as a tornado, hail, hurricane, tropical storms, and even heavy rainfall. If left without the proper coverage, homeowners may have to pay for the repairs out of pocket. At TGS Insurance, we want you to be fully protected for anything, which is why we automatically write in a 2% wind/hail deductible into every policy we write!
Water Backup Insurance: Water damage due to a broken sump pump, or backed up drainage or sewage system is inconvenient, disgusting, expensive to clean up, and unfortunately, not covered under your standard home insurance policy. Adding a water backup policy endorsement is a great and inexpensive way to stay covered from this type of event! The average cost is anywhere between $50-$250 per year with coverage starting at $5,000 going up to $25,000.
Flood Insurance: Flood insurance is a separate policy from your homeowners insurance that pays to repair your home and replace your personal belongings if damage occurs due to a flood. Water damage caused by a flood is not covered in your homeowners insurance policy, so it’s imperative for Rockport, Texas homeowners to purchase a flood insurance policy since your area is deemed a “high risk” for flooding. The average flood insurance policy in Texas costs about $634 per year but can vary depending on where you live. At TGS Insurance, our average homeowner pays $528 per year for flood insurance!
Why Buy Home Insurance in Rockport, Texas with TGS Insurance Agency
Good home insurance at a fair rate shouldn’t be so hard to find and with TGS Insurance, it’s not. We shop every policy through our bank of 35+ A-rated (or better) carriers to find a homeowners insurance policy that is perfectly balanced with the protection you need, at a low price.
The best part? We don’t stop at a great quote either, our agents will do all the heavy lifting from start to finish so you don’t have to. From getting payment setup to canceling old policies- all of the nitty-gritty paperwork, we’ll handle it all for an easy, stress-free shopping experience!
The secret to saving on home insurance is to be proactive and shop your policy every year, but honestly who has the time? We do! When it’s time for renewal, we’ll re-shop and compare your policy to ensure you’re still getting the best rate and coverage the market has to offer. If not, we’ll handle getting you swapped over so you’re always paying the lowest for home insurance, without ever sacrificing on coverage.
We don’t like to toot our own horn, but we will let our reviews speak for themselves. We’re rated 4.8 out of 5 stars on TrustPilot with over 1,600 reviews!
Zip Codes in Rockport, Texas That We Insure
- 78381
- 78382
Don’t see your zip code listed? Don’t worry! As long as you live in Texas we’ve got you covered!
