Rowlett Home Insurance Made Simple and Affordable with TGS Insurance Agency
How Much Does Home Insurance in Rowlett Cost?
The average cost for home insurance in Rowlett is $1,162 per year among TGS Insurance Agency customers. This average includes windstorm and hail coverage with a 2% deductible and is based on policies with an average home value of $243,261. Our independent agents know that every home is different and that is why we work with our customers to find the policy that best fits their needs without overpaying for the extras. On average, we have been able to save our Texas customers $870 per year on their home insurance – we shop, you save! To see how much you could be saving, all we need is your address for a free instant quote!
Comparing Rowlett Homeowners Insurance Quotes by Home Value
Home value is one of many factors that influences your home insurance rate. It is crucial that you have enough home dwelling coverage to cover the costs of rebuilding your home to its current status should you ever need to do so. Below is a comparison of the average home insurance quote from TGS Insurance Agency in Rowlett, Texas by home value.
| Home Value | Average Annual Premium (incl. Wind Coverage) |
|---|---|
| $75,000-$124,999 | $760 |
| $125,000-$174,999 | $916 |
| $175,000-$224,999 | $1,043 |
| $225,000-$274,999 | $1,163 |
| $275,000-$324,999 | $1,318 |
| $325,000-$374,999 | $1,477 |
| $375,000-$424,999 | $1,575 |
| $425,000-$474,999 | $1,687 |
| $475,000-$524,999 | $1,719 |
| $525,000-$574,999 | $2,133 |
| $575,000-$624,999 | $2,424 |
| $625,000-$674,999 | $2,579 |
What Does Homeowners Insurance in Rowlett Cover?
A home insurance policy can, and should, be customized to fit your specific needs, but standard policies usually offer:
- Coverage for your home and additional structures on your property such as detached garages, sheds, and fences
- Coverage for your personal belongings such as clothes, furniture, and electronics
- Coverage for personal liability exposures that comes with being a homeowner such as a guest being hurt on your property
- Coverage for living expenses should your home become uninhabitable and you require temporary lodging while it is repaired or replaced
It is important to remember that these coverages apply when damages are caused by a variety of specific situations, known as named perils, that are outlined in your specific policy. While many types of disasters and losses are covered, there are multiple hazards that aren’t covered by a standard cookie-cutter home policy and supplemental policies will need to be added to avoid gaps in coverage.
Common Supplemental Coverages for Homeowners in Rowlett
- Flood Insurance
- Sewer Backup Coverage
- Valuable Items Endorsement
Zip Codes in Rowlett, TX We Insure:
- 75030
- 75088
- 75089
- 75098
Don’t see your zip codes? Not a problem! We are able to help homeowners anywhere in Texas get great home insurance at great prices. Get started saving today with your address.
