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Royse City, TX

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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 AmountAverage 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! 

Home Insurance Carriers in Royse City, TX

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Travelers Logo
AIG Logo
Metlife Logo
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
Liberty Specialty Logo

TGS Insurance is Royse City's Premier Home Insurance Provider

Royse City neighborhood

Royse City, Texas is located in Rockwall County northeast of Dallas near Lavon Lake and Lake Ray Hubbard. Dubbed "A Friendly Touch of Texas," Royse City provides its residents with a classic hometown atmosphere while still being close to all the urban amenities the DFW metro area has to offer. TGS Insurance is proud to be one of the leading home insurance providers for the Royse City, Texas community!

Royse City neighborhood

TGS Insurance saves residents in Royse City, Texas money on their homeowners insurance policies every day by shopping their policy through our bank of 35+ A-rated (or better) providers to deliver insurance that is packed with coverage and value! As a five-star independent agency, we win business from Royse City, Texas homeowners every day through our extensive industry knowledge, exceptional customer service, and of course- great homeowners insurance policies!

Key Home Statistics in Royse City

14,702

Total Population in Royse City, TX

$188,700

Average Home Value in Royse City, TX

$82,860

Median Household Income in Royse City, TX

31

Median Age in Royse City, TX

Trust TGS Insurance in Royse City

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 Royse City, TX

Image of Alexander Ranch Neighborhood

Alexander Ranch

Alexander Ranch is an established community located just off of TX-276. The spacious neighborhood provides its residents with gorgeous scenery and beautiful views of the Texas sky.

Image of Eastridge Estate Neighborhood

Eastridge Estate

Eastridge Estate is a beautiful neighborhood located just off TX-276 and FM-551. The community boasts wide-open spaces and lots of nature for its residents to enjoy, as well as wonderful views of the enviable Texas sunsets.

Image of Graham Point Neighborhood

Graham Point

Graham Point is a small neighborhood nestled between TX-276 and I-30. Residents enjoy a spacious, tight-knit community with lots of nature and trees surrounding the area.

Image of High Point Ranch Neighborhood

High Point Ranch

High Point Ranch is a gorgeous neighborhood located just off of FM 548 near Highway 205. Homeowners in this area have access to a community jogging trail and fishing lake!

Image of Rolling Meadows Neighborhood

Rolling Meadows

Rolling Meadows is a quaint community located just off FM 1777. The neighborhood has easy access to I-30 and is close to many recreational activities on Lake Ray Hubbard and Lavon Lake!

Image of Wanda Ridge  Neighborhood

Wanda Ridge

Wanda Ridge is a spacious community found just off of FM 548. Residents of this neighborhood enjoy lots of nature and lush landscapes all around!

Local Home Resources in Royse City, TX

Police Departments
Royse City Police DeptPO Box 638
Royse City, TX 75189
9726369422