Comparison Shop Your Home Insurance Policy in Sachse, Texas from 35+ A-rated Carriers in Seconds!
TGS Insurance is an independent insurance agency built to serve homeowners like you. We’re able to deliver our customers the best insurance policies on the market at the best rates because we comparison shop every policy through our bank of 35+ A-rated (or better) carriers. No hassle, no gimmicks, just great insurance at a great price.
How Much is Home Insurance in Sachse, Texas?
Sachse home insurance costs an average of $1,237 per year among TGS Insurance Agency customers, which is $463 less than the area’s average. Our average is based on policies with an average home value of $308,199 and includes windstorm and hail coverage with a 2% deductible. By doing the heavy lifting, our independent agents have proudly saved our customers across Texas an average of $870 per year on their home insurance. To see how much you could be saving, all we need is your address and about 15 seconds of your time.
Comparing Sachse Home Insurance Quotes by Home Value
Below is a comparison of the average home insurance quote from TGS Insurance Agency in Sachse by home value. Home value is one of many factors that influences your home insurance rate.
| Home Value | Average Annual Premium (incl. Wind Coverage) |
|---|---|
| $175,000-$224,999 | $1,030 |
| $225,000-$274,999 | $1,131 |
| $275,000-$324,999 | $1,266 |
| $325,000-$374,999 | $1,305 |
| $375,000-$424,999 | $1,359 |
| $425,000-$474,999 | $1,468 |
| $475,000-$524,999 | $1,688 |
| $525,000-$574,999 | $1,716 |
| $575,000-$624,999 | $1,965 |
How is Home Insurance in Sachse, Texas Calculated?
While each insurance carrier has its own formula for calculating premium, they are all aiming to determine how much risk they would take on by insuring your property. Typically, the higher the risk, the higher your premium may be. Let’s take a look at some of the most common risk-based factors carriers look at when determining your premium:
Property-Specific Factors:
- Home size
- Age of your home (Older homes = higher premiums)
- Construction type
- Roof condition/age
- Property add-ons (Swimming pools, trampolines, etc.)
Location-Specific Factors:
- Weather-related risks (Does your area get a lot of hurricanes or tornadoes?)
- Crime risks (Is there a lot of crime in your area?)
- Proximity to fire stations and/or hydrants
Other things that can factor into your rate are your claims history, credit score, how much coverage you need, and even what kind of dog you have. However, not every carrier calculates premiums the same and weighs each of these risks differently. For this reason, it’s important to shop your rate across five to ten carriers because you could be missing out on significant savings or better coverage with another carrier!
What Does My Home Insurance Policy in Sachse, Texas Cover?
A basic HO-3 homeowner insurance policy will protect:
- The physical structure of your home and additional structures on your property
- Your personal property (Ex. appliances, clothing, jewelry, technology, etc.)
- Loss-of-use coverage
- Liability
Your home insurance policy will provide financial protection for the basics but up to a specific limit. So if you’re looking to add coverage in particular areas, supplemental or add-on policies are a great way to fill in any gaps in coverage. Let’s review some of the most popular home insurance policy add-ons in Sachse, Texas:
- Scheduled personal property
- Valuable Articles/Floater policies (Ex. jewelry insurance)
- Umbrella insurance (Additional liability coverage)
- Animal liability
- Flood insurance (Flood damage is NOT covered under home insurance)
- Water backup coverage
Zip Codes in Sachse, Texas That We Insure:
- 75048
- 75098
Don’t see your zip code listed? Not a problem! As long as your home is in Texas, we’ve got you covered with excellent home insurance!
