Seguin Home Insurance Made Easy: We Shop. You Save.
What Does Home Insurance in Seguin, Texas Cost?
Homeowners insurance in Seguin, Texas costs an average of $1,275 per year. Many factors go into calculating your home insurance premium including your home’s location, age, building materials, roof condition, the coverage options you choose, and even your credit score, your rate is likely to vary. TGS Insurance helps homeowners in Seguin, Texas find the coverage they need for a price they love- our average customer saves $870 per year when they switch their home insurance to us!
To see how much you could be saving, get started with an instant, free quote. All we need is your address and about 15 seconds!
Who Needs Homeowners Insurance?
The simple answer is that anyone who owns a home should have homeowner insurance. While it may not be legally required, many lenders will require at least a basic form of home insurance as a condition of your mortgage. However, keep in mind that just having basic, cookie-cutter coverage may leave you exposed to coverage gaps. Homeowners should seek an insurance policy tailored to their exact protection needs.
TGS Insurance understands the importance of delivering personalized protection for homeowners and it’s exactly what we do. We provide our clients with coverage that goes beyond the standard level of protection. Here, you’re more than just a policy number, you’re our client and we are here to serve you and your specific needs. We build coverage that is tailored to you and built to save you money.
Common Additional Home Coverages in Seguin, TX
Windstorms and hail damage are a constant threat for homes in Seguin, TX. When it comes to insurance claims, wind and hail damage are the most common claims for homes in the city. Gusty storms like tornadoes, hailstorms, hurricanes, or tropical storms can leave you with substantial damage and leave you in a financial bind. TGS Insurance prepares our clients for these weather events by automatically adding wind/hail coverage for all of our clients’ policies with a 2% deductible. Be ready for more perks when you enroll with TGS Insurance- it’s a customized approach to home insurance to protect your specific needs!
Your homeowners insurance policy is in place to protect against a variety of named perils including fires, theft, and in many cases, wind/hail damage. But did you know that flooding is not covered? Contrary to what many homeowners believe, you will need an individual flood insurance policy to protect against these weather events and because as many as 25% of all flood claims come from homes outside of flood zones, every home should stay protected no matter where they are located. The average flood insurance claim is a whopping $43,000, which makes this coverage a worthy investment to protect your home and finances.
At TGS Insurance, we shop among both private and government-issued flood insurance policies to locate our clients with the best possible coverage for the lowest possible price. The average homeowner in Texas spends $634 per year on average for flood insurance, though rates will vary depending on your location. Our average client saves more by only spending $528 per year on average for their flood insurance coverage!
Jewelry, Fine Arts & Collectibles Coverage
Your home insurance coverage will provide plenty of protection for your personal possessions, however, there are policy limits. Items which are more valuable than these limits, such as jewelry, art collections, luxury fashion items, instruments, firearms, etc., can be vulnerable without additional coverage. Speak with your insurance agent to determine the right endorsements that can keep your valuables protected and avoid coverage gaps.
The Benefits of Partnering with TGS Insurance for Your Seguin, Texas Home Insurance Needs:
- TGS Insurance proudly assists homeowners in Seguin, Texas by finding them the right home insurance policies to fit their needs. Our agents shop through our bank of over 35 top-rated insurance carriers to identify the best policy for your home with coverage that protects and saves you money.
- We simplify the home insurance buying process that allows us to do the heavy work for you. Your TGS Insurance agent works to ensure that your coverage needs are met alongside your mortgage company for a smooth transition. We’ll be there through thick and thin should you require an adjustment to your policy or submit a claim after suffering a loss. TGS Insurance is there to support you however you might need it.
- TGS Insurance is there for you long after finding you the right coverage for your home. Your agent continues to compare your homeowners insurance coverage with annual reviews. If you should face a rate increase, your agent will re-shop among carriers to deliver you the best possible price for your coverage all over again. This is how we keep you staying covered for less, year after year!
Working with TGS Insurance Agency Means Service and Support You Can Count On!
We work hard to find our clients the right home insurance policy for their needs. TGS Insurance is committed to delivering the best insurance-buying experience to our customers with unbeaten customer service and attention to detail. To see how much you could be saving, get a free quote by entering your address above.