San Marcos Home Insurance Tailored to your Needs
How Much is Home Insurance in San Marcos, TX?
Homeowners in San Marcos, TX pay $1,637 a year on average for home insurance. This is less than the national average of $2,305 a year, and while many different factors can cause your home insurance premium to vary, TGS Insurance helps our clients in Texas save an average of $870 a year!
Comparing the Average Cost of Homeowners Insurance in San Marcos, TX By Dwelling Coverage Limit
| Coverage Level | Average Annual Premium (incl. wind coverage) |
|---|---|
| $75k Dwelling | $1,093 |
| $150k Dwelling | $1,443 |
| $200k Dwelling | $1,673 |
| $350k Dwelling | $2,339 |
Building Comprehensive San Marcos, TX Home Insurance Coverage Tailored To Your Needs
There are many factors that affect how much you pay on home insurance but a primary factor is the coverage you choose. Every home and situation is unique so your agent can work with you to determine which of the following coverage options you should include in your policy and what you need to stay protected.
Protection for Your Home
Property or Dwelling Coverage helps homeowners repair or rebuild their home if it is damaged or destroyed by an insured event such as a grease fire or damage caused by a windstorm.
Financial Protection for You and Your Family
Personal Liability Coverage is there for you when someone is injured or their property is damaged and you are found to be at fault. When choosing your liability coverage limits, homeowners should consider how much money they earn and the assets they own because the personal liability coverage that you choose should be high enough to protect these assets if you end up facing a lawsuit.
Assistance With Medical Coverage for Others
Paying for the proper care needed for individuals that are injured on your property as medical expenses continue to rise could leave you on the hook for very expensive medical bills without the right coverage. Medical Coverage helps homeowners and their finances stay protected should an injury occur; however, it is important to note that it does not cover health care costs for you or other members of your household.
Assistance With Additional Living Expenses
If your home were to become unlivable because of a covered loss in your policy, this protection is there to help you pay for additional living expenses, including a hotel to stay in or food bills, while the damage is assessed and your home is restored or rebuilt to a livable condition.
Protection for Your Personal Belongings
Your home is filled with plenty of personal items such as clothes, electronics, furniture, and many other items of value- both monetarily and sentimentally. Personal Property Insurance is there to help homeowners replace items should they become lost, stolen, or destroyed as a result of a covered loss in your policy.
Scheduled Personal Property Coverage For More Expensive Belongings
Valuable possessions such as jewelry, fine art, antiques, or collectibles can require additional coverage, and homeowners looking to protect such personal possession may want to talk to their agent about this supplemental coverage option. Your home insurance policy will protect these items but only to a specified amount. Items and collections that are more valuable than your policy limits will require additional coverage to help protect your most prized possessions.
If You Rent Out Your Home
Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings.
Every home is unique and TGS Insurance understands that the coverage needs of your homes will be as a result. Contact us today to learn more about how landlords can protect themselves and their investments with the best coverage for their homes in San Marcos, TX at the lowest price available.
We’re Your “One-Stop-Shop” for Insurance – Bundle Our Services and Save!
Take advantage of the discounts provided when you bundle multiple policies, such as home and auto. Do you need an auto policy?
TGS Insurance works with over 35 top-rated car insurance agencies and can find you the lowest rate on the market. We work for you by comparison shopping rates to find you the lowest price on the market every time and can even bundle your auto insurance with homeowners insurance for additional savings. Contact us today and see how TGS Insurance can help save you money.
Zip Codes in San Marcos, TX That We Insure:
- 78656
- 78666
- 78667
Don’t see your zip code listed? Don’t worry, as long as it’s in Texas, we’ve got you covered!
