We Shop 35+ Carrier to Find You The Best Deal on Your Royse City Home Insurance Every Time
How Much Does Home Insurance in Royse City, Texas Cost?
In Royse City, Texas, the average homeowner pays around $1,893 per year for homeowners insurance. This is $1,536 less than the statewide average of $3,429 per year. At TGS Insurance, our average client in Royse City, Texas pays $1,269 per year for homeowners insurance, which means an annual savings of $2,160 compared to the state average, and $624 less than the city average!
Compare the Average Cost of Homeowner Insurance in Royse City, Texas by Dwelling Coverage Limit
| Coverage Amount | Average Annual Premium (incl. Wind Coverage) |
|---|---|
| $75,000 | $1,573 |
| $150,000 | $2,104 |
| $200,000 | $2,455 |
| $350,000 | $3,509 |
*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 Royse City, Texas Can Expect Personalized Homeowners Insurance Coverage with TGS Insurance
A basic HO-3 home insurance policy will cover:
- The physical structure of your home (Dwelling and other structures)
- Replacement costs
- Personal property (Up to a certain limit)
- Loss-of-use coverage (Living expenses if your home is unlivable)
- Liability (Personal and medical payments)
If you’re looking for more coverage that extends outside the basics, you can purchase policy add-ons such as:
- Animal liability
- Equipment breakdown coverage
- Extended replacement cost
- Flood insurance
- Scheduled personal property
- Umbrella insurance
- Water backup coverage
These are some of the most common policy add-ons homeowners in Royse City, Texas purchase. But, be sure to talk to your TGS Insurance agent about what add-ons are right for you so you cover any gaps in protection you may have. For example, if you have an extensive jewelry collection, you may want to consider scheduled personal property to help extend your coverage limits.
Common Perils in Royse City, Texas That Every Homeowner Needs Coverage For
As a Texas-owned insurance agency, we know all too well the common weather perils that our state faces every year, including floods, hail, hurricanes, tornadoes, tropical storms, and windstorms. It’s important for every homeowner in Royse City, Texas to have the proper home insurance coverages in their policy to protect against these common weather occurrences.
Your homeowners insurance policy will cover these common perils:
- Aircrafts and vehicles
- Explosions
- Falling objects
- Fire and smoke
- Hail and windstorms
- Lightning
- Power surges
- Riot or civil disturbance
- Vandalism, theft, and malicious mischief
- Water damage (Sudden & accidental)
- Weight of ice, snow, sleet
It’s important that we call out that flood damage is not included in a standard homeowners insurance policy, therefore homeowners seeking this type of coverage need to purchase a flood insurance policy. On average, most Texans pay $634 for flood coverage but at TGS Insurance, our average client pays $528 per year, $106 less than the statewide average. Some homeowners may not think flood coverage is important, but when you consider that the average flood claim in 2018 was $42,580 and over 25% of flood claims come from homes living outside flood zones, it’s a policy worth considering. While we hope you never have to file a claim, having a flood insurance policy grants any homeowner peace of mind and helps avoid costly out-of-pocket expenses.
And because floods aren’t the only other common weather peril our state has, wind and hail protection is crucial for every homeowner just due to the sheer number of storms from hurricanes, tornadoes, or even just an ordinary storm our state faces year-round. At TGS Insurance, we want you to feel confident your home insurance policy protects you for anything, which is why we automatically write in a 2% wind/hail deductible into every single policy we issue in Royse City, Texas!
TGS Insurance is Your One-Stop-Shop for Insurance in Royse City, Texas
At TGS Insurance, we know homeowners just want a great home insurance policy at an affordable rate and that’s what we deliver on every single time. We start by comparison shopping your policy across our bank of 35+ A-rated (or better) carriers to lock in the best policy and coverage the market has to offer. And to make things even easier, we’ll handle your entire enrollment process from start to finish for an easy, stress-free shopping experience!
And because we’re in the business of helping people save on insurance, talk to your TGS Insurance agent about bundling your various policies together! Bundling two policies could save you upwards of 25% on your premiums.
Zip Codes in Royse City, Texas That We Insure:
- 75173
- 75189
If you don’t see your zip code listed, not to worry! As long as you live in Texas we’ve got you covered with great insurance!
