Finding Affordable Terrell Home Insurance Is Easier Than You Think.
Looking for home insurance can be tedious, boring, overwhelming… you name it, we’ve heard it. And we agree! That’s why TGS Insurance Agency is dedicated to doing the heavy lifting for you, starting with instantly comparing quotes from 35+ A-rated (or better) carriers to find you the best possible price in your area without having to compromise on coverage. We can provide you with your initial quote within 15 seconds with just your address. From there, if you would like to customize your policy, any of our dedicated independent agents are ready to work for you to create a policy that covers everything you need. Â
We shop. You Save. Yes, it really is that easy.
What Does Terrell Home Insurance Cover?
A home insurance policy can, and should, be customized to fit your specific needs, but standard policies usually offer:
- Coverage for your home and additional structures on your property such as detached garages, sheds, and fences
- Coverage for your personal belongings such as clothes, furniture, and electronics
- Coverage for personal liability exposures that comes with being a homeowner, such as a guest being hurt on your property
- Coverage for living expenses should your home become uninhabitable, and you require temporary lodging while it is repaired or replaced
How Much is Home Insurance in Terrell, Texas?
The average cost for home insurance in Terrell is $1,524 among TGS Insurance Agency customers. This average is based on policies with an average home value of $232,683. While every policy is different and dependent on multiple factors, including your home’s value and coverages your choose, we have proudly been able to save our Texas customers an average of $870 per year on their home insurance premiums when they switch to us. Finding out how much you can be saving is as easy as providing your address above for an instant quote– really!
Average Home Insurance Quotes in Terrell By Dwelling Coverage Levels
One of the biggest mistakes a homeowner can make is not carrying enough dwelling coverage on their home insurance policy. Dwelling coverage refers to the amount it would cost to completely rebuild your home from the ground up to its current value. The dwelling coverage level you select is one of the most significant factors insurance carriers use when determining your home insurance premium. So, for example, if you choose $100,000-$200,000 in dwelling coverage, your home insurance policy in Terrell, TX will cost an average of $1,255. However, if you needed $300,000-$400,000 in dwelling coverage, your home insurance premium would then increase to an average of $2,002. The more dwelling coverage you want, the higher the home insurance premium.Â
| Home Value | Average Annual Premium (incl. Wind Coverage) |
|---|---|
| $100,000-$200,000 | $1,255 |
| $200,000-$300,000 | $1,577 |
| $300,000-$400,000 | $2,002 |
| $400,000-$500,000 | $2,257 |
| $500,000-$600,000 | $2,730 |
Average Home Insurance Premiums in Terrell By ZIP Code
Home insurance rates vary even within Terrell as carriers go as granular to rate zip codes based on the number and types of claims filed. Homeowners in 75160 pay an average of $1,512 per year for this home insurance. Homeowners in 75161 have been seeing an average home insurance quote closer to $1,622.
Terrell Home Insurance Rates by Insurer
Choosing your home insurance provider is about more than just price; but the cost is undoubtedly an essential factor. Because each carrier sets its rates, sometimes the same coverage will vary in price among carriers. In Terrell, the average home insurance quote with TGS Insurance for ASI Insurance is $952, while it will cost you closer to $1,737 to insure your home with Mercury Insurance.Â
| Carrier | Avg. Premium (incl. wind and hail coverage) |
|---|---|
| ASI | $952 |
| GUARD | $1,352 |
| State Auto | $1,733 |
Terrell Zip Codes We Insure
- 75160
- 75161
Don’t see your zip code? Don’t panic! We’re ready to help homeowners throughout Texas save money on their home insurance. See how much you could be saving by providing your address above for a free home insurance instant quote.
