San Leon Homeowners Insurance Made Effortless with Quick, Accurate Quotes!
How Much Does Home Insurance Cost in San Leon,TX?
The average cost for homeowners insurance in San Leon, TX is about $1,180 each year. Make the switch today to see how our Texas customers save an average of $870 annually on homeowners insurance.
How to Calculate Home Insurance Premiums
Each insurance carrier has a different formula that they use to determine your home insurance premium but what they all essentially boil down to is risk. How much risk is the insurance carrier taking on by insuring your home? Since St. Leon, TX is located along the Gulf of Mexico, homeowners can expect a higher premium than those residents that are more inland, because the risk of hurricanes and tropical storms is greater. However, that doesn’t stop TGS Insurance from providing a great policy with great savings!
Even though each carrier has their own formula, there are a few standard factors every insurer will look at. Let’s review the most common things insurers look at when calculating your premium.
- Type of construction- What materials your home is made up of effects the price of your premium. Houses that are made out of brick tend to cost less to insure than homes made out of wood.
- Age of your home- Your home’s age has a lot to do with your premium. Older homes tend to have outdated plumbing, heating, wiring, and roofing and sometimes insurance providers may charge a bit more since it’s more expensive to replace or repair should you file a claim. Be sure to let your insurance agent know if you’ve done any upgrades that could qualify you for discounts. If you have a newer home, you may see a lower premium and may even have a few discounts available to you.
- Amount of coverage- How much coverage you are seeking affects your insurance rate. Typically, the more coverage you want, the more you end up paying on your premium. But at TGS Insurance we will find you the lowest price on premiums without compromising on coverage.
- Deductible Amount- If you opt in to pay a higher deductible your premium tends to be lower.
Homeowners aren’t left with a big premium and no way to lower it, there are several ways you can easily lower your rate! Installing things like a security system or surveillance cameras can help lower your rate as much as 20%. Having good credit is another great way to better your rate too. Be sure to talk to your insurance agent about what discounts are available to you.
We Are Dedicated to Finding the Right Insurance Coverage for Each and Every San Leon Homeowner
The world of homeowners insurance can be complicated and hard to understand at times. Understanding the industry terms and your specific policy is important, so we have included a video that explains homeowners insurance and the different coverage options.
Popular Supplemental Home Coverages in Your Area:
Flood Insurance: Purchasing flood insurance is something San Leon, TX homeowners should really consider because flood damage is not covered by homeowners insurance. Living so close to the coastline can bring on unpredictable weather that could bring devastating floods. Flood insurance covers damage to your home and personal property caused by rising waters from storm-related disasters like hurricanes, tropical storms, or a lot of rainfall. The average price for flood insurance in Texas is $634 but can vary depending on where you live.
Windstorm and Hail Coverage: Homeowners in San Leon, TX are no strangers to major wind or hail storms. Hail damage is typically included in the standard homeowners insurance policy, but windstorm protection is sometimes bought as a separate add-on policy. At TGS Insurance, we believe in offering you the lowest price without having to compromise on coverage, so that is why we include a 2% hail/windstorm deductible into every policy we write.
Water Backup: Water backup coverage is a great policy-add on that is there to protect your home and the items you value most from a sewer backup, backed-up drain, or sump pump accident. If the damages lead to mold damage, then water backup coverage will cover the damages as well. The average cost for water backup is about $50-$250 per year, depending on how much coverage you want.
Common Home Insurance Questions from Our Customers in San Leon
Does homeowners insurance cover water damage from the rain?
Your homeowners insurance policy will usually protect your home from rain if it enters your home due to a covered peril. For example, if a windstorm shatters a window in your home and causes rainwater to get into your home, then you are covered but it won’t cover water damage as a result of flooding.
Will homeowners insurance pay for a new roof?
Your homeowners insurance policy only covers the costs to repair your roof if the damage was accidental or an act of nature. It won’t cover your roof repairs if it is because of normal wear and tear.
Do you pay home insurance monthly or yearly?
Most insurance providers will let you choose to pay your premiums annually or monthly. There are some discounts available for those to do pay annually!
Our Featured Agents Are Ready to Help You With Your San Leon Homeowners Insurance:
TGS Insurance is your team of industry leaders who are here to assist you with all of your insurance needs. We work with over 35+ A-rated carriers to compare and shop your policy so you get a winning deal without skimping on coverage every time. We don’t stop at just providing you with a great quote either, we’ll handle everything from to start to finish for an easy, stress-free process.