Texarkana Homeowners Insurance Made Easy with Fast, Reliable Quotes!
When it comes to Texarkana homeowners insurance, Texas property owners can rely on TGS Insurance Agency for personalized coverage.
A basic homeowners insurance policy will cover the following:
- The structure of your home
- Replacement costs
- Your possessions (up to a set limit)
- Living expenses in case of a disaster
- Liability (medical and legal)
You can purchase supplemental policies to add to your home insurance suite such as:
- Valuable Articles/Floater policies (i.e. Jewelry Insurance)
- Windstorm/hail policies
- Flood insurance
- Umbrella policies (additional liability)
- Animal Liability (liability issues due to household pets)
Texarkana Home Ownership Costs
Median Home Value (owner-occupied)1: $130,600
Median Household Income1: $45,080
In Texarkana, TX, home insurance premiums average $2,500 annually, which is just above the national average of $2,305 per year. Texas comes in with the 5th highest average insurance premiums in the country.
Are you a first-time homeowner? Or maybe you are simply looking to reevaluate your home insurance costs? Either way, TGS Insurance is here to help you find the right policy for your home. Our average customer saves around $870 per year!
Most Popular Additional Home Coverages in Texarkana, TX:
Windstorm and Hail Coverage: Homeowners in Texarkana, TX understand the damage severe thunderstorms, hail, tornadoes, tropical storms, and hurricanes can deliver to a home. Severe windstorms and hail can cause thousands of dollars in repairs to your home and without the right coverage, you will have to face these expenses alone. TGS Insurance helps our clients protect themselves against wind and hail damage by automatically including a 2% deductible for any windstorm/hail damage in every homeowners insurance policy we write.
Water Backup: Sewer or drainage backup is expensive to repair and without the right coverage, you won’t be protected. Neither homeowners insurance nor flood insurance cover these events, but as a client of TGS Insurance, you can stay protected with this add-on protection worth up to $5,000-$25,000+ in damage protection.
Flood Insurance: Floods are some of the worst events a homeowner can face. And with 20-25% of all flood insurance claims coming from outside of a flood plain, it is important for every home to stay protected even if you feel your home is not at risk. Stay protected against floods with a flood insurance policy from TGS Insurance.
Most Common Home Insurance Questions from Our Customers Near Texarkana, TX
Do you need home insurance if your house is paid off?
It is always recommended that you have a home insurance policy in place even if your home is paid off. Should you suffer from a theft, a fire, or any other covered peril, without home insurance you would be responsible for paying for any restoration needed. Home insurance policies should be a part of your home even after your mortgage is paid.
Will homeowners insurance pay for a new roof?
If the damage is caused by a sudden, accidental event that is covered by your home insurance policy. If the damage is from normal wear and tear, however, your homeowners insurance will not cover it.
How long does it take to get a home insurance quote?
Some insurance carriers can provide a quote within 15 minutes and others a few days. With TGS Insurance, you are only a few clicks away from an accurate home insurance quote.
Our Local, Independent Agents Are Ready to Help You With Your Texarkana, TX Homeowners Insurance:
Homeowners in Texarkana, TX can rest easy with TGS Insurance. Our knowledgeable team of agents works to find you the right protection for your home at the lowest rates on the market without sacrificing your coverage. Enjoy monthly savings and peace of mind with world-class customer service when you enroll with TGS Insurance.
Footnotes
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