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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.

 

 

Home Insurance Carriers in Stafford, TX

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Progressive Logo
Safeco Logo
Travelers Logo
AIG Logo
Metlife Logo
Allied Trust Logo
Maison Logo
Lighthouse Logo
Anchor Logo
 State Auto Logo
ASI Logo
The Hartford Logo
Foremost Logo
Empower Logo
TWIA Logo
National Lloyds's Logo
Liberty Specialty Logo

TGS Insurance is Stafford's Premier Home Insurance Provider

Stafford neighborhood

Stafford was founded in 1869 and is located within Fort Bend County with almost 20,000 residents. The family-friendly city is rich with Texas history and is often described as an "Island of Business Opportunity." TGS Insurance is proud to be one of the leading insurance providers to Stafford locals.

Stafford neighborhood

At TGS Insurance, it’s our goal to provide Stafford homeowners with the best home insurance policy at a great rate from one of our 35 A-rated or better carriers. We win business from Stafford residents every day because we’re a five-star rated agency with thousands of customers and provide an exceptional customer service experience!

Key Home Statistics in Stafford

17,362

Total Population in Stafford, TX

$208,874

Average Home Value in Stafford, TX

$58,519

Median Household Income in Stafford, TX

36

Median Age in Stafford, TX

Trust TGS Insurance in Stafford

Data as of August 02, 2021

15,000

Total
Customers

$4.27B

Total Assets Covered Projected

13,700

Total Homes Insured

5,200

Total Vehicles Insured

Major Neighborhoods in Stafford, TX

Image of Promenade Neighborhood

Promenade

Promenade is located along US-90. The community is near Riverbend Country Club, Nails Creek Playground and Crossover Athletics.

Image of Arcott Place Neighborhood

Arcott Place

Arcott Place is located on Scanlin Road. The neighborhood is surrounded by many local favorites such as Missouri City Basketball Courts, Quail Green West Park and Hunters Trails.

Image of Apple Creek Bend Neighborhood

Apple Creek Bend

Apple Creek Bend is nestled on Avenue East. Homeowners are close to Crossover Athletics, Lexington Village Park and Nails Creek Playground.

Image of Meadow Village Neighborhood

Meadow Village

Meadow Village is located on West Bellfort Avenue. The neighborhood offers a jogging trail, community center and park for its residents.

Image of Colony Lake Estates Neighborhood

Colony Lake Estates

Colony Lake Estates is off of Avenue E and Dulles Ave. Residents are in the heart of Stafford and close to Oyster Creek Park and Riverbend Country Club.

Image of Grove West Neighborhood

Grove West

Grove West is on the corner of Dairy Ashford Road and West Airport Blvd. Residents in Grove West are close to Mark McGarth Park and Meadows Place jogging trails.

Local Home Resources in Stafford, TX

Police Departments
Fort Bend Isd Police Dept13600 Murphy Rd
Stafford, TX 77497
2816345500
Stafford Police Dept2702 S Main St
Stafford, TX 77497
2812613950