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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 LevelAverage Annual Premium (incl. wind coverage)
$75k Dwelling$1,224
$150k Dwelling$1,630
$200k Dwelling$1,905
$350k Dwelling$2,683
*Data is from Help Insure from the Texas Department of Insurance. Averages are based on quotes for a homeowner with average credit, no claims within the past 5 years, and a brick home between 10-34 years of age in Temple, TX.

 

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!

Home Insurance Carriers in Temple, 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 Temple's Premier Home Insurance Provider

Temple neighborhood

Known as the "Wildflower Capital of Texas," Temple, TX is a quaint city located just north of Austin and south of Waco. The city boasts a small-town charm while still being close to all the big-city amenities one could want! From beautiful and scenic parks and playgrounds to wineries and museums, there's no shortage of things for residents and visitors to do.

Temple neighborhood

Homeowners in Temple, TX all want an exceptional homeowners policy at a great rate. At TGS Insurance, we shop your insurance from 35+ carriers to find the best policy for Temple, TX residents. As an independent agency with thousands of customers throughout Texas, our great customer service and extensive industry knowledge wins us business from Temple, TX homeowners every day.

Key Home Statistics in Temple

78,439

Total Population in Temple, TX

$185,622

Average Home Value in Temple, TX

$49,970

Median Household Income in Temple, TX

34

Median Age in Temple, TX

Trust TGS Insurance in Temple

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 Temple, TX

Image of South Pointe Neighborhood

South Pointe

South Pointe is an affordable yet luxurious place to call home. Near the community is South Temple Community Park, which features a pool, splash pad, and playground.

Image of North Gate Neighborhood

North Gate

North Gate is a family-oriented community located in Temple, TX. The community is within walking distance of the Crossroads Recreational Park, which features tennis, jogging trails, and a playground.

Image of Grove at Lakewood Ranch West Neighborhood

Grove at Lakewood Ranch West

The Grove at Lakewood Ranch West is a charming, family-friendly neighborhood that features a community pool, playground, and park.

Image of The Parks at Westfield Neighborhood

The Parks at Westfield

The Parks at Westfield is located in the heart of West Temple. The community is within walking distance to West Temple Park, Crossroads Sports Complex, and jogging trails.

Image of The Villages of Westfield Neighborhood

The Villages of Westfield

The Villages of Westfield is a new community in the heart of West Temple featuring garden-style homes, pocket parks, and easy access to hike and bike trails.

Image of Legacy Ranch Neighborhood

Legacy Ranch

Legacy Ranch is a master-planned community in South Temple. In the near future, the neighborhood will feature a community pool and flourishing green space.

Local Home Resources in Temple, TX

Fire Departments
Moffat Volunteer Fire Dept5660 Lakeaire Blvd
Temple, TX 76502
(254) 986-8388
Temple City Fire Dept505 N 3rd St
Temple, TX 76501
(254) 298-5682
Police Departments
Temple Police Dept209 E Avenue A
Temple, TX 76508
2542985500
Temple Police Dept105 S 5th St
Temple, TX 76508
2542985697