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Victoria, TX

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The Cost of Victoria, TX Home Insurance

Homeowners insurance is customized for you and your home’s needs. Every homeowner will have a different rate because they each have their own requirements in a home insurance policy. Let’s take a closer look at the average annual home insurance premiums in Victoria, TX compared to the national and state averages.

  • National average1: $2,305
  • Texas average1: $3,429
  • Victoria, TX average: $1,179

Your home premium rates may be different from the national and Texas averages, but it’s beneficial to compare your premium to see if you need to make any adjustments. Every insurance provider looks at how much risk they’ll take on, which primarily determines your premium. Some factors are out of your control, while some can offer major savings. Here are some determining factors that carriers look for:

  • Your home’s location
  • Crime statistics in your area
  • Your claims history
  • How much coverage you want
  • How high or low your credit score is
  • The age, construction type, and square footage of your home
  • Discount qualifications

One of our TGS Insurance agents will help you simplify the coverage you need by running quotes from over 35+ highly-rated insurance providers. This will ensure that you’re receiving the best rate and protection without all the stress.

Common Additional Home Coverages in Victoria, TX

Flood Insurance: Victoria, TX homeowners are far too familiar with the destruction that flooding can cause. It’s critical for homeowners in the area to purchase flood insurance because a lot of the area is deemed “high-risk” by FEMA. Flood coverage will protect your home and personal items from any flood-related damage caused by tropical storms, hurricanes, or heavy rainfall. The average cost for flood insurance in Texas is about $634 per year but can vary depending on your home’s location. At TGS Insurance, our average customer pays $528 on their flood insurance policy!

 

Hail/Windstorm Insurance: Did you know that wind and hail damage are two of the most filed claims in Texas? Since Victoria, TX is so close to the coastline, it’s incredibly important that homeowners in this area have the proper windstorm and hail protection so you’re not left with a hefty bill because you’re underinsured. At TGS Insurance, we automatically include a 2% hail/wind deductible for all of our policies! Wind and hail insurance protects your home and personal belongings from hail and wind damage caused by hurricanes, tornadoes, and other severe weather events.

 

Umbrella Insurance: This type of insurance is extra protection that offers financial coverage beyond your current policy’s limits. Umbrella insurance provides coverage for a variety of claims such as injuries, property damage, lawsuits, and personal liability situations. Purchasing this type of policy acts as an extra safety net to protect your financial assets should one of your policies exceed it’s liability limits.

 

Common Home Insurance Questions from Our Customers in Victoria

 

What is an insurance quote?

 

An insurance quote is an estimate of how much it would cost to insure your home. A quote is not an insurance offer or the official insurance contract. At TGS Insurance, our quote process is simple and easy, all you have to do is input your address and your phone number or email address.

 

Can you get homeowners insurance with bad credit?

 

You can still get homeowners insurance with bad credit, however, you’ll likely have to pay a higher premium than someone with a better score. 

 

How long does it take to get a home insurance quote?

 

Depending on which insurance carrier you’re requesting a quote from, the quoting process can take a few minutes or even a few days. But at TGS Insurance, we offer you an instant quote in 15 seconds or less!

 

Zip Codes in Victoria, TX That We Insure:

  • 77901
  • 77902
  • 77903
  • 77904

Don’t see your zip code listed? Don’t worry, as long as it’s in Texas, we’ve got you covered!

Footnotes

1. https://www.bankrate.com/insurance/homeowners-insurance/homeowners-insurance-cost/

Home Insurance Carriers in Victoria, TX

Allstate Logo
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 Victoria's Premier Home Insurance Provider

Victoria neighborhood

Victoria, TX is located southwest of Houston and is nestled near the Gulf of Mexico. The city is also known as “The Crossroads” because its location is two hours away from Corpus Christi, Houston, San Antonio, and Austin. Victoria, TX has a wide range of attractions that everyone can enjoy, such as the Texas Zoo, a variety of museums, and more!

Victoria neighborhood

Residents of Victoria, TX all want an exceptional homeowners policy that meets their needs and saves them money. At TGS Insurance, we shop your policy with 35+ carriers to find Victoria, TX residents the best policy at a great rate! As a Texas owned agency with thousands of customers, great customer service, and extensive industry knowledge- we win business from Victoria, TX homeowners every day!

Key Home Statistics in Victoria

66,916

Total Population in Victoria, TX

$156,455

Average Home Value in Victoria, TX

$52,350

Median Household Income in Victoria, TX

34

Median Age in Victoria, TX

Trust TGS Insurance in Victoria

Data as of January 20, 2021

14,000

Total
Customers

$3.10B

Total Assets Covered Projected

9,699

Total Homes Insured

5,360

Total Vehicles Insured

Local Home Resources in Victoria, TX

Fire Departments
Victoria Fire Dept606 E Goodwin Ave
Victoria, TX 77901
(361) 485-3450
Victoria Fire Dept1703 E Airline Rd
Victoria, TX 77901
(361) 485-3460
Police Departments
Highway Patrol8802 N Navarro St
Victoria, TX 77905
3615782771
Victoria City Police DeptPo Box 2086
Victoria, TX 77902
3615733221
Victoria City Police Dept306 S Bridge St
Victoria, TX 77901
3615733221
Victoria Police DeptPO Box 2086
Victoria, TX 77905
3615722727
Victoria Police Dept306 S Bridge St
Victoria, TX 77905
3615726735