Seagoville Home Insurance with TGS Insurance: Faster. Better. Cheaper.
How Much Does Home Insurance in Seagoville, Texas Cost?
The average cost of homeowners insurance in Seagoville is about $1,625/year. The average TGS Insurance policy for Seagoville residents is $1,100, which means our customers in the area are saving an average of $520 per year. Our average includes windstorm and hail coverage with a 2% deductible and is based on policies with an average home value of $192,445. In just a few minutes, you could be saving too! To get started, enter your address above for a free instant quote.
How Does Home Value Influence The Cost of Seagoville Home Insurance Quotes?
Home value is one of many factors that influence your home insurance policy cost. Below is a comparison of the average home insurance quote from TGS Insurance Agency in San Antonio by home value. Home value is one of many factors that influences your home insurance rate. Please note that home values are rounded to the nearest $25,000 so $100,000 includes homes in the $75,000 to $125,000 range, etc.
| Home Value | Average Annual Premium (incl. Wind Coverage) |
|---|---|
| $100,000 | $897 |
| $150,000 | $999 |
| $200,000 | $1,015 |
| $250,000 | $1,340 |
| $300,000 | $1,694 |
| $350,000 | $1,799 |
| $400,000 | $2,047 |
Property Owners in Seagoville, Texas Can Expect Personalized Homeowners Insurance Coverage with TGS Insurance
A basic HO-3 home insurance policy will provide some level of coverage for:
- Damage to your home and detached structures on your property
- Damage or theft of personal possessions
- Personal liability protection for injuries or damages
- Loss-of-use expenses such as hotel costs
For those looking for a bit more coverage outside the basics, you can purchase policy add-ons. Some of the most popular policy add-ons in Seagoville, Texas, include:
- Flood insurance
- Umbrella insurance
- Animal liability insurance
- Water backup coverage
- Equipment breakdown coverage
- Extended replacement cost
- Scheduled personal property
Be sure to talk to your TGS Insurance agent about other supplemental policies you’d like to add to help cover any gaps in coverage!
Common Perils in Seagoville, Texas That Every Homeowner Needs Coverage For
As a Texas-based agency, we know how crazy Texas weather can be. Our state has endured our fair share of floods, hail storms, hurricanes, tornadoes, tropical storms, and windstorms, and every homeowner in Texas needs to have a home insurance policy that protects against each of these common occurrences.
Your basic home insurance policy will often cover these common perils:
- Fire and smoke
- Lightning
- Hail and windstorms
- Explosions
- Vandalism, theft, and malicious mischief
- Falling objects
- Aircrafts and vehicles
- Riot or civil disturbance
- Power surges
- Weight of ice, snow, sleet
- Water damage (Sudden & accidental)
It’s important to point out that flood damage is not covered under your standard home insurance policy. For complete protection against floods, homeowners must purchase a flood insurance policy. The average Texan pays $634 per year for flood insurance, but at TGS Insurance, our clients pay an average of $528 for flood coverage. We like to point out to those wary of buying a flood insurance policy that over 25% of flood claims come from homeowners who live outside flood zones, so even if you think your home is in a low-risk area, you’re still at risk. And with the average claim for flood damage being $42,580 in 2018, we think a flood insurance policy is a worthy investment for all homeowners! So while we hope you never have to experience flood damage, you’ll be happy you have a flood insurance policy.
Additionally, because Texas is prone to so many windy events such as tornadoes or hurricanes, it’s a great idea to check your homeowners insurance policy to ensure you’ve got the windstorm and hail coverage you want and need. At TGS Insurance, we believe every customer should be protected against these common perils, which is why we automatically write a 2% wind/hail deductible into every Seagoville, Texas homeowners insurance policy we issue!
TGS Insurance is Your One-Stop-Shop for Insurance in Seagoville, Texas
At TGS Insurance, our goal for our clients is to provide an exceptional home insurance policy with the coverage you need at a great rate. We comparison shop every policy we write through our bank of 35+ A-rated (or better) providers to ensure you’re getting the best of what the market has to offer. We also handle the entire enrollment process from start to finish for a hassle-free, seamless customer experience.
And because we do more than homeowners insurance, take advantage of bundling savings! Do you have an auto policy? What about a motorcycle? Don’t miss out on huge savings when you bundle multiple policies together!
Zip Codes in Seagoville, Texas That We Insure:
- 75126
- 75159
If you don’t see your zip code listed, not to worry! As long as you live in Texas, we’ve got you covered with great insurance!
