Stafford Homeowners Insurance Made Easy with Quick, Accurate Quotes!
How Much is Stafford Home Insurance?
The average cost for homeowners insurance in Stafford, TX is about $1,210 each year. TGS Insurance homeowners save on average $870 per year when they shop their homeowners insurance policy through us!
Calculating Premiums for Home Insurance in Stafford
Your insurance company will look at several different factors when determining how much your premium will be. Usually, these factors are built around how much risk the carrier is taking on to insure your home. The higher the risk, the higher the premium. The two things most insurance carriers look at are property-specific factors and regional-specific factors. Let’s review both!
Property-Specific Factors
- Home size
- The age of your home
- The materials your home is made out of
- The condition your home is in
- Additional structures like a guest house or swimming pool
Regional-Specific Factors
- Location of your home
- Crime rates
- If you live in an area that is prone to natural disasters
- Home prices in your neighborhood
- Population density
If your house is located in an area that is known to flood frequently then you should expect to pay a higher rate. Similarly, living in an area with high crime rates is viewed as more of a risk, which means a higher premium.
Installing home security systems, motion-sensor lights, surveillance cameras can help you have a say in your homeowner premium and possibly lower the price. Some insurance providers will even provide a lower price premium for simply having a high credit score. Be sure to ask your insurance agent about what discounts are available to you!
At TGS Insurance, We’ll Find the Right Stafford, TX Homeowners Insurance Coverage to Meet Your Needs
Homeowners insurance can be a bit confusing and reading your policy can oftentimes seem like it’s written in another language. Watch the video below to get a more in-depth understanding of what homeowners insurance is and the different coverage options you get.
Most Popular Additional Home Coverages in Stafford, TX:
Flood Insurance: Flood insurance is a separate policy that is crafted to help protect your home and your personal items if they are damaged by rising waters. Contrary to popular belief, the standard homeowners insurance policy doesn’t include flood damage. At TGS Insurance, we supply these policies through both FEMA and other private insurers. Homeowners pay on average $634 per year for flood insurance, with rates varying depending on where you live.
Windstorm and Hail Coverage: Stafford, TX homeowners are no strangers to intense windstorms and hail storms. Hail is typically included in most standard homeowner insurance policies, but windstorm coverage is sometimes offered as a separate policy. What makes TGS Insurance different is that we want our Stafford, TX homeowners to have the most coverage for the lowest price, which is why we include a 2% hail and windstorm deductible to every one of our policies.
Water Backup: Water backup is often purchased as an optional add-on policy that assists homeowners financially when water damage happens in the home. Water backup insurance covers water damage that occurred from a backed-up drain, sump pump, or sewer line backup. It also offers protection to your home and mold damage that was caused by water back-up. This can range from $50-$250 per year, depending on how much coverage you want and financial protection can start at $5,000 going up to $25,000.
Common Stafford, TX Home Insurance Questions from Our Clients
Can I do my own repairs in a homeowners claim?
Yes you can do your own repairs on a homeowners claim, but depending on the severity of the damage your home insurance company may elect for someone to come supervise the repairs or have a professional come do the work altogether.
Can I insure a house that is not in my name?
Technically yes, you can insure a home that’s not in your name. But, comprehensive coverage won’t be included, so you’re basically just paying the insurance bill for the actual owner.
Will homeowners insurance cover water damage?
Homeowners insurance will cover water damage if the cause was sudden and accidental. If the water damage occurred as the result of a flood, poor maintenance, or on purpose, it will not be covered by homeowners insurance.
Our Featured Agents Are Ready to Help You With Your Stafford, TX Homeowners Insurance:
The TGS Insurance team is here and ready to help assist you with all of your insurance needs. We make it easy to shop your homeowners insurance policy across 35+ A-rated (or better) carriers in a snap, all the while finding you the best deal without sacrificing on coverage. And we don’t just stop at a great quote, we handle everything from start to finish for a seamless, stress-free shopping experience.
