Temple Home Insurance Just Got A Lot Cheaper!
How Much is Home Insurance in Temple, TX?
Homeowners in Temple, TX pay an average of $1,861 a year on their home insurance. This is less than the Texas state average of $3,429 a year. While many different factors can cause your home insurance premium to vary, at TGS Insurance our average customer in Temple, TX pays $1,021 per year for homeowners insurance. That’s an annual savings of $840!
Comparing the Average Cost of Homeowners Insurance in Temple, TX By Dwelling Coverage Limit
| Coverage Level | Average Annual Premium (incl. wind coverage) |
|---|---|
| $75k Dwelling | $1,224 |
| $150k Dwelling | $1,630 |
| $200k Dwelling | $1,905 |
| $350k Dwelling | $2,683 |
Building Comprehensive Temple, TX Home Insurance Coverage Tailored To Your Needs
Many factors contribute to how much you will pay on your home insurance each month (or annually- depending on which option you decide!) with the main factor being which coverage you choose to protect your home. Every home and situation is unique and your agent will work with you to determine which of the following protections make sense to include in your policy and at what coverage you need. Below are some of the coverages commonly included with many home insurance policies:
Protection for Your Home
Property or Dwelling Coverage can help protect you if you need to repair or rebuild your home should it become damaged or destroyed by an insured event including fires or violent hurricanes.
Financial Protection for You and Your Family
Personal Liability Coverage protects you financially if someone is injured or their property is damaged through your fault. When choosing liability coverage limits, homeowners must consider their personal finances including factors such as how much money they make and the assets they own. Your personal liability coverage will need to be high enough to protect your assets should you face a lawsuit.
Assistance With Medical Coverage for Others
Medical Coverage is there to cover the medical expenses of guests that are injured while visiting your property (at your fault). If someone is visiting your property and becomes injured and you are at fault, paying for their medical expenses on your own can be a costly endeavor. As medical expenses rise, it is important to protect yourself financially against untimely medical bills. You should note, however, that this coverage does not cover health care costs for you or other members of your household.
Assistance With Additional Living Expenses
When your home has been hit by a catastrophic event such as a fire or another covered loss, you may incur expenses related to living and relocating during this time. Additional Living Expenses Coverage assists homeowners enduring these difficult times by helping them pay for additional living expenses, including hotel rooms or food, while the damage is assessed and your home is restored to a livable condition.
Protection for Your Personal Belongings
Your home is filled with many valuable items including electronics, furniture, clothes, and many other items of value. Personal Property Insurance is there to help you replace these items if they are destroyed by a covered loss in your policy.
Scheduled Personal Property Coverage For More Expensive Belongings
Owners of special possessions much higher in value such as jewelry, fine art, antiques, or collectibles may want to consider additional coverage to keep these valuables protected. Your home insurance policy will protect these items but only to a specified amount named in your policy. Items or collections that exceed the standard protections in your homeowners will need more coverage in the event they’re lost, stolen, or damaged. Speak with your agent about this supplemental policy and keep your valuables protected for less.
If You Rent Out Your Home
Landlords may have the option to buy optional liability coverage for the risks that can accompany tenant-occupied dwellings. Speaking with your agent can help you find the right coverage option for your needs. TGS Insurance assists homeowners in Temple, TX every day by keeping you and your investments protected.
Every home is unique and thus so are your coverage needs. Contact us today to learn more about how you can get the best coverage for your home insurance policy for the lowest price available in Temple, TX!
We’re Your “One-Stop-Shop” for Insurance – Bundle Our Services and Save!
Take advantage of the discounts provided when you bundle multiple policies, such as home and auto or even protection for your watercraft. Is your boat covered on your home policy?
From Belton Lake to Lake Travis and even a quick trip to the Gulf of Mexico, homeowners in Temple, TX have plenty of options to enjoy their watercraft. Protecting your watercraft against covered perils such as a fire is important, but remember, while your home insurance will offer some protection, it is usually no more than $1,000. Home insurance is better suited for protecting small damage or smaller watercraft including canoes or small motorboats. If you own a watercraft that requires more coverage including jet skis, boats with larger motors, etc., keep yourself protected by adding a boat insurance policy to stay covered. TGS Insurance can help you by bundling your home and boat insurance policies for more savings and better coverage.
Zip Codes in Temple, TX That We Insure:
- 76501
- 76502
- 76503
- 76504
- 76505
- 76508
Don’t see your zip code listed? Don’t worry, as long as it’s in Texas, we’ve got you covered!
