How Much is Home Insurance in San Benito, TX?
Homeowners in San Benito, TX pay $2,441 on average for their home insurance every year. This is lower than the Texan average of $3,429. TGS Insurance understands that great coverage doesn’t have to be expensive. At TGS Insurance, our average client living in San Benito, TX pays only $1,944 a year for their homeowners insurance policy for an annual savings of $497 per year!
What Will Standard San Benito, TX Homeowners Insurance Cover?
It’s important for homeowners to understand their home insurance policy and how it protects them, their home, and their valuables. Your home insurance policy will protect against named perils stated in your policy should they cause you a loss. If you do experience a loss, your policy will reimburse you to restore the damage according to your policy’s limits. Homeowners insurance protects against a lot, however, it isn’t a blanket coverage that will cover anything and everything. If the peril is not explicitly named on your policy, it will not be covered. A common misconception is that floods are covered by homeowners insurance when in fact, floods are not covered by a standard HO3 homeowners insurance policy. Learn about the most common homeowners insurance coverages that do protect your home below:
Coverage A – Dwelling
Dwelling coverage is protection for your home and the structures connected to your home against perils that cause damage including your home’s plumbing, wiring, heating, and air conditioning units that are permanent.
Coverage B – Other Structures
Detached garages, fences, guest homes, and sheds all need protection and Other Structures coverage picks up where Dwelling leaves off to protect these structures against named perils the same as your home.
Coverage C – Personal Property
Personal Property coverage protects your possessions from being damaged, lost, or stolen. You’ll receive a reimbursement should you experience a loss with protection covering a range of items such as your clothes, electronics, furniture, instruments, collectibles, and more. Your protection follows your possessions regardless of if they are on your property or not such as items in a storage unit. Policy limits do exist and valuables that surpass these limits may require additional protection to avoid a coverage gap.
Coverage D – Loss of Use
If your home suffers damage and becomes unlivable, Loss of Use coverage helps you cover living expenses such as lodging and food while you are displaced from your home.
Coverage E – Personal Liability
Personal Liability protects you from liability in the event someone is injured while visiting your property or were to suffer a loss from damages that are your fault.
Coverage F – Medical Payments to Others
Medical Payments to Others covers medical expenses if someone is injured on your property instead of forcing you to pay out-of-pocket up to $5,000.
Common Home Insurance Endorsements in San Benito, TX
Floods can affect anyone with as many as 25% of all flood insurance claims coming from homes outside of flood zones. Your homeowners insurance does not protect against flooding and relying on the government can be a huge mistake as many stipulations must pass before flood relief is even provided, not to mention the process is tedious. Protecting your home with a flood insurance policy can help you rebuild in the aftermath of a flood event instead of relying on paying out-of-pocket to restore your loss. The average flood insurance policy in Texas is $634 per year, but TGS Insurance customers pay just $528 per year.
Homeowners in San Benito, TX know all too well how destructive wind events can be. Your home must contend with severe thunderstorms, tropical storms, hurricanes, tornadoes, and hail and needs protection while it continues to protect you. Windstorm and hail coverage is there to help you restore the losses brought on during these weather-related perils and TGS Insurance can automatically write in windstorm protection for your homeowners insurance policy with a 2% deductible so that you are ready for anything that comes your way!
Equipment Breakdown Coverage:
From power surges to motors burning out and other mechanical or electrical failures, there are plenty of things that can go wrong when it comes to our equipment such as a computer. Equipment Breakdown coverage is there to help you restore important equipment that has suffered from a peril.
We’re Your “One-Stop-Shop” for Insurance – Bundle Our Services and Save!
Bundling your insurance policies allows homeowners to take advantage of great discounts which allows you to protect more while paying less. A popular bundle for many of our clients is bundling home insurance with an auto insurance policy. Could you use additional liability protection found in an umbrella policy? Maybe you own watercraft that could use a boat policy. No matter what your needs are, TGS Insurance has you covered! We’re here to find the right coverage for your needs all while saving you money!
Zip Codes in San Benito, TX That We Insure:
Don’t see your zip code listed? No worries! As long your home is in Texas, we’ve got you covered!