San Antonio Home Insurance Made Simple with Quick, Accurate Quotes
How Much is Home Insurance in San Antonio, TX?
On average, TGS Insurance customers in San Antonio pay about $1,353 per year for their homeowners insurance policy. Your exact premium may vary based on factors such as your home’s size, age, construction type, and coverage limits, as well as personal details like claims history. San Antonio homeowners also face unique risks—including hailstorms, severe thunderstorms, and occasional flooding—that can influence insurance costs. At TGS Insurance, we shop multiple top-rated carriers to ensure you get the right coverage for your home at the best possible price.
How Coverage A Levels Impact Your Premium
Your dwelling coverage limit (Coverage A) sets the maximum amount your policy will pay to rebuild your home if it’s damaged or destroyed by a covered event. In San Antonio, this limit directly affects your premium—higher coverage means more protection, but it also raises the insurer’s risk, which leads to higher costs.
On average, TGS Insurance customers in San Antonio pay about $1,353 per year for homeowners insurance. Homes with higher dwelling coverage limits tend to pay more than smaller or less expensive properties, since rebuilding a larger home requires more materials and labor. That’s why setting the right limit is so important—you want enough coverage to fully rebuild if the unexpected happens, without overpaying for more protection than you truly need.
Dwelling Coverage Limit Average Annual Premium (incl. Wind Coverage)
$100,000 - $199,999 $944
$200,000 - $299,999 $1,079
$300,000 - $399,999 $1,307
$400,000 - $499,999 $1,517
$500,000 - $599,999 $1,833
$600,000 - $699,999 $2,066
$700,000 - $799,999 $2,285
How Home Age Impacts Your Premium
The age of your home is another key factor in determining your insurance costs. In San Antonio, homes that are more than 25 years old average about $1,701 per year for coverage, while newer homes average closer to $1,149. Older homes often come with higher premiums because aging roofs, plumbing, and electrical systems increase the risk of costly claims. Newer homes, on the other hand, are typically built with modern materials and updated safety standards, which help reduce risk and lower premiums. Whether your home is brand new or decades old, TGS Insurance works with you to make sure your policy provides the right protection at the best price.
What Does Home Insurance Cover in San Antonio?
A standard homeowners insurance policy in San Antonio typically includes:
- Dwelling Coverage – Protects the structure of your home from covered risks such as fire, wind, hail, theft, and vandalism.
- Personal Property Coverage – Covers belongings like furniture, clothing, and electronics if they’re damaged, destroyed, or stolen.
- Liability Protection – Provides financial protection if someone is injured on your property or if you’re responsible for damage to another person’s property.
- Loss of Use Coverage – Helps cover additional living expenses, such as hotel stays and meals, if your home becomes uninhabitable after a covered event.
Every home and homeowner in San Antonio is different, which is why TGS Insurance tailors each policy to provide the right balance of affordability and protection.
Common Home Insurance Endorsements in San Antonio, TX
Umbrella Coverage
Umbrella Coverage provides additional liability protection beyond your home insurance coverage limits. As medical and legal costs continue to rise, umbrella coverage is an attractive option for homeowners looking to protect themselves against liabilities that could cause a hit to their finances otherwise.
Windstorm/Hail Coverage
Homes in San Antonio, TX need the right protection from various windstorm and hail events. Homeowners face a variety of these perils coming in the form of severe thunderstorms capable of producing tornadoes and hail and may even include the remains of tropical events such as hurricanes and tropical storms. These threats are why TGS Insurance automatically writes in windstorm protection for all of our homeowners insurance policies in San Antonio, TX with a 2% deductible- it’s customizable home insurance built to protect you!
Flood Coverage
Homeowners in San Antonio, TX may be surprised to learn that homeowners insurance will not cover a flood event, and with 20-25% of all flood insurance claims coming from homes outside of flood zones, flood insurance an important coverage option for any home. TGS Insurance understands the importance of flood insurance and helps homeowners protect themselves by finding the lowest rate on the market to keep you protected. We do so by shopping through both private and government-issued flood insurance policies. Our clients only pay an average of $528 a year for flood insurance coverage!
The Benefits of Partnering with TGS Insurance for Your San Antonio Home Insurance Needs:
- We work diligently to serve the homeowners in San Antonio, TX. By shopping through our bank of 35 top-rated insurance carriers, TGS Insurance can find you the best coverage for your home at the lowest rate available on the market.
- TGS Insurance makes the enrollment process seamless for our clients but does not stop there. We will work with mortgage companies to ensure that our clients receive the best coverage available in a timely manner. Additionally, we continue to help our clients through policy edits as they are needed and are there for you during the claims process should a claim or adjustment to your policy become necessary.
- Worried about rising insurance rates? We hear you. That’s why our commitment to provide excellent customer service continues to work for you by ensuring that you never overpay for your home insurance again. Should you be facing a substantial home insurance rate increase, your TGS Insurance agent will compare your coverage with other options to continue providing you with the most affordable rate on the market without cutting your coverage. Year after year, TGS Insurance is prepared to keep you and your home covered for less!
Our Local, Independent Agents Ready to Help You With Your San Antonio, TX Homeowners Insurance:
TGS Insurance is ready to find you the right home insurance that keeps you protected when you need it the most. We take pride in our commitment to work closely with each client by finding the right home insurance solution for your needs. TGS Insurance also provides an unmatched level of customer service that gives the policies and packages that we sell more value- including our regular policy reviews to make sure that you continue to receive the best rate on the market year after year. To see how much you could be saving, start with a free, instant quote by providing your address above!
