Comparison Shop Your Home Insurance Policy in The Colony, Texas from 35+ A-rated Carriers in Seconds!
TGS Insurance is Texas-owned, independent insurance agency that looks at the world of insurance differently than the rest. We’re carrier-agnostic, which means we don’t work for any insurance company, we work for YOU. Using just your address, we can instantly shop your home insurance policy across our suite of 35+ A-rated (or better) carriers to get you a policy that fits your protection needs and of course, budget! There are no gimmicks, no BS, just great home insurance at an even better rate.
How Much is Home Insurance in The Colony, Texas?
The average policy in The Colony, Texas is $2,547 per year. At TGS Insurance, our average customer in The Colony, Texas pays $1,527 per year, which means an annual savings of $1,020!
How is Home Insurance in The Colony, Texas Calculated?
There are different formulas each carrier uses to calculate your home insurance premium, but essentially it all comes down to risk. How much of a risk is it for the insurer to insure your home? The higher the risk, the higher the premium. Let’s review some of the most common things (but not all) that insurers look at when calculating your premium:
Property-Specific Factors:
- Home size
- Age of your home (older homes = higher premiums)
- Construction type
- Roof condition/age
- Property add-ons (swimming pools, trampolines, etc.)
Location-Specific Factors:
- Weather-related risks (Does your area get a lot of hailstorms, hurricanes, or tornadoes?)
- Crime risks (Is there a lot of crime in your area?)
- Proximity to fire stations and/or hydrants
These are just a few of the things insurance carriers look at, and each carrier weighs them differently, which is why it’s important to shop your policy with 5-10 carriers for the best rate. Other things that could affect your premium are your credit score, claims history, type of dog you own, the coverage you want/need, etc.
What Does My Home Insurance Policy in The Colony, Texas Cover?
A basic HO-3 homeowners insurance policy will cover:
- The physical structure of your home
- Your personal property (Ex. appliances, clothing, jewelry, technology, etc.)
- Replacement costs
- Loss-of-use coverage (Hotel and food expenses should your home be unlivable)
- Liability
Your home insurance policy will cover all of these areas to a set limit, so if you’re like additional coverage in some areas you may need to seek out add-on policies. Popular policy add-ons in The Colony, Texas include:
- Scheduled personal property (Ex. your artwork collection value exceeds coverage limits)
- Valuable Articles/Floater policies
- Umbrella insurance (Additional liability coverage)
- Animal liability (If you own a high-risk dog breed)
- Flood insurance (Flood damage is NOT covered under home insurance)
- Water backup coverage
Advantages to Working with TGS Insurance Agency
Your homeowners insurance policy is meant to be there to help you financially when you need it most. Trust the experts at TGS Insurance to help you protect what matters most, at a rate that doesn’t cost a fortune. We don’t believe great home insurance should break the bank.
Not only do we shop your insurance policy across a market of 35+ A-rated carriers to ensure the best policy and rate, but we handle the whole process from start to finish so you don’t have to. From enrollment to setting up payment, canceling existing policies, and even making changes later down the road- we do it all!
Insurance isn’t a “buy once and done” type of purchase. It’s important to continually shop your policy in the market to ensure you’re not overpaying. But who has the time for that every year? We do! At your yearly renewal, we’ll evaluate your policy (and re-shop if needed) to always give you the best protection, at the cheapest rate possible. Getting insured has never been easier than with TGS Insurance!
We don’t like to brag, but see what our customers are saying about us! We’re rated 4.8 out of 5 stars on TrustPilot and 4.5 out of 5 on Google.
Zip Codes in The Colony, Texas That We Insure:
- 75010
- 75036
- 75056
Don’t see your zip listed? As long as it’s in Texas, we’ve got you covered with great home insurance!
