Straightforward Selma Home Insurance with Hassle-Free, Accurate Quotes in Seconds!
What Does Home Insurance In Selma, TX Cost?
Home insurance in Selma, Texas costs an average of $1,114 per year for our TGS Insurance Agency customers in the area. This average is based on policies with an average home value of $374,487 and includes wind/hail coverage. Home insurance premiums will vary from home to home depending on numerous factors such as the coverage types selected and the value of your home. We’ve been able to save our customers an average of $870 per year when switching their home insurance. To see how much you could be saving, start with an instant quote above by providing your address (yes, your address and 15 seconds is really all it takes!).
Who Needs Homeowners Insurance?
Every homeowner needs homeowners insurance. Rebuilding your home or replacing your possessions should you experience a loss can be a financial nightmare to face alone, especially if your home is a total loss. Keeping the right amount of coverage keeps you protected from such perils. Additionally, many lenders will not issue a mortgage without at least a basic form of home insurance, but settling for generic coverage isn’t enough. To avoid coverage gaps, you should enroll in a homeowners insurance policy that is crafted with your needs in mind.
TGS Insurance Agency is here to help Selma homeowners find the right home insurance policy that goes beyond the standard level of protection. Here, you’re more than a policy number. We take the time to get to know you and your specific needs so that we can craft the right homeowners insurance policy that not only protects your needs but is built to save you money.
Common Additional Home Coverages in Selma, TX
Homes in Selma, TX have a lot of wind and hail threats to contend with, as it is the most common peril in the area. There are a variety of weather events including severe thunderstorms, tornadoes, hail, and even the remnants of tropical storms and hurricanes that can cause damage to your home. TGS Insurance understands the power of wind and hail and the importance of protecting your home from these perils. We automatically add windstorm and hail coverage to every home insurance policy we write with a 2% deductible to make sure all of our clients are protected. It’s customized coverage that saves you money while meeting your coverage needs!
Though many homeowners believe flooding to be covered by their homeowners insurance, flood events are not and require flood insurance for proper protection. With as many as 25% of all flood claims coming from homes outside of flood zones in low-risk areas and the average flood insurance claim costing around $43,000, flood insurance is a worthy investment for any homeowner. The aftermath of a flood is a tricky, messy, and expensive process which is why we recommend that all homeowners stay covered with a flood insurance policy. TGS Insurance is here for you and continues to help homeowners find the perfect policy for their homes that protects them for less. By shopping among both private and government-issued policies, we can deliver you the same coverage at the lowest price on the market. Texans pay $634 per year on average for their flood insurance coverage. At TGS Insurance, our clients spend only $528 per year on average for their flood insurance policies!
Extra Contents Coverage
Adding extra content coverage is a perfect solution for homeowners with valuables that exceed their policy limits. Your home insurance will protect your possessions, however, if you own more valuable items such as art, collectibles, firearms, jewelry, etc., you can easily exceed your policy’s limits leaving these items exposed to perils. To avoid coverage gaps for your possessions, speak to your agent about adding this coverage option.
The Benefits of Partnering with TGS Insurance for Your Selma, Texas Home Insurance Needs:
- Partnering with TGS Insurance means partnering with an insurance agency that takes the time to understand your needs. We work for you, not the insurance brands, and develop policies that protect you according to your factors. We find homeowners in Selma, Texas the right coverages built to protect their homes while saving you money. Our agents shop among our bank of 35+ top-rated insurance carriers to find the best coverage for your policy at the best price possible.
- TGS Insurance is here to assist with your entire enrollment process. We do the work for you and will work with your mortgage company for a smooth transition and to ensure that your coverage needs. Your TGS Insurance agent will continue to serve you by making policy adjustments as necessary and guiding you through the claims process should you experience a loss.
- Year after year, we continue to find you the best policies for your home at the best price on the market. Should you face a rate increase, your TGS Insurance agent will comparison shop your coverage all over again to keep you covered with the policies you deserve while saving you money!
Zip Codes in Selma, TX We Insure:
Don’t see your zip code? Not a problem! As long as you are in Texas, we can find you unbelievable rates on your home insurance!