Spicewood Homeowners Insurance Quotes Made Easy and Quick
How Much is Home Insurance in Spicewood, TX?
Home insurance in Spicewood, TX, costs an average of $1,144 among TGS Insurance Agency customers. While the cost of your home insurance policy can vary based on several factors, including home value and the amount of coverage you need, our premium average is $793 less than the city average of $1,937 per year. To see how much you can be saving, provide your address above for a free, instant quote.
Comparing Homeowners Insurance Quotes in Spicewood, TX By Home Value
Below is a comparison of the average home insurance quote provided by TGS Insurance Agency within two of the most common home value ranges for Spicewood, Texas. Home value is just one of many factors that influences your home insurance premium.
| Home Value | Average Annual Premium (incl. Wind Coverage) |
|---|---|
| $325,000-$375,000 | $1,138 |
| $375,001-$425,000 | $1,147 |
How Do Insurance Carriers Calculate Home Insurance Rates in Spicewood, Texas?
Your home insurance rate is influenced by how much risk your insurance carrier takes on when providing coverage for you and your home. If your home is more of a risk, you can expect higher premiums; homes that carry less risk can expect lower rates. Each insurance carrier assesses various factors such as your home’s age, build type, location, and size. Your insurance provider will also evaluate personal factors that can affect how much you pay. These factors include your credit score (a better score = a lower rate), claims history (fewer claims = a lower rate), and the amount of coverage you require (more coverage = a higher rate.)
Other factors that can affect your home insurance premium include:
- Your home’s roof
- Your area’s crime rate
- How far your home is from the coastline or other body of water
- Security systems (You can save as much as 20% by installing a security system)
- Pets (Ex. certain dog breeds can lead to higher premiums)
- Everyday weather events (Ex. hurricanes, tornadoes, hail, etc.)
- Attractive nuisances (Ex. pool, trampoline, playground, etc.)
Insurance carriers take all of these factors into consideration and process them according to their methods and standards. This is why some companies will produce different quotes for the same home with the same coverage. Comparing at least 5 to 10 additional insurance quotes can help you determine which provider has the best coverage for the lowest rate possible. Here at TGS Insurance, we understand that this can take up a lot of time and be a tedious task to complete, which is why we do it for you. Your TGS Insurance agent will shop your home insurance policy among our bank of over 35 A-rated (or better) carriers to find the best coverage for your needs, all at the lowest price on the market! Your time is essential, so why waste it shopping for insurance? Let our agents do all the heavy lifting for you. You can get a hassle-free home insurance quote in as little as 15 seconds or less by only entering your address. Don’t wait, see how much you’ll save today!
Zip Codes in Spicewood, TX We Insure:
- 78669
Don’t see your zip code? Don’t worry! We can help homeowners throughout Texas find the best rates on their home insurance!
