Comparison Shop Your Home Insurance Policy in Waxahachie, Texas from 35+ A-rated Carriers in Seconds!
TGS Insurance is an independent, Texas-owned agency that works for YOU and not the insurance carriers! We’re one of the fastest-growing agencies in the state because we view insurance differently than other agencies. We don’t believe our customers should ever have to sacrifice the coverage they need, just to get an affordable rate. We also don’t believe buying insurance should be a long, drawn-out experience. Using just your address, we can comparison shop every customer’s policy through our bank of 35+ A-rated (or better) carriers to find the best policy on the market that’s perfectly balanced in protection and value. No gimmicks. No BS. Just great home insurance at an even better rate!
How Much is Home Insurance in Waxahachie, Texas?
The average cost of home insurance in Waxahachie is $933 among TGS Insurance Agency customers. This average includes windstorm and hail coverage with a 2% deductible and is based on policies with an average home value of $222,365. While every policy is different and dependent on multiple factors, including your home’s value and the type of coverage you get, 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 could be saving is as easy as providing your address above for an instant free quote.
Comparing Waxahachie Home Insurance Quotes by Home Value
Home value is one of many factors that impacts your home insurance rate. Below is a comparison of the average home insurance quote from TGS Insurance Agency in Waxahachie, by home value. In the table below, home values are rounded to the nearest $25,000 meaning that $100,000 includes home values from $75,000 to $125,000 and so on.
| Home Value | Average Annual Premium (incl. Wind Coverage) |
|---|---|
| $100,000 | $738 |
| $150,000 | $782 |
| $200,000 | $884 |
| $250,000 | $1,033 |
| $300,000 | $1,029 |
| $350,000 | $1,113 |
| $400,000 | $1,356 |
| $450,000 | $1,663 |
| $500,000 | $1,586 |
| $550,000 | $2,125 |
| $600,000 | $2,180 |
| $650,000 | $1,910 |
| $700,000 | $2,043 |
| $750,000 | $2,127 |
How is Home Insurance in Waxahachie, Texas Calculated?
How much you pay for homeowners insurance is calculated based on how much risk the insurance carrier is taking on to insure your home. The higher the risk, the higher the premium, and vice versa. Let’s review some of the most common risk-based factors that insurance carriers look at when determining your policy premium:
Property-Specific Factors:
- Home size
- Age of your home (Homes older than 40+ years have higher premiums)
- Construction type
- Roof condition/age
- Property add-ons (Swimming pools, trampolines, etc.)
Location-Specific Factors:
- Weather-related risks (Are hailstorms, hurricanes, or even tornadoes common in your area?)
- Crime risks (Higher crime = higher premium)
- Proximity to fire stations and/or hydrants
Other factors that may go into calculating your premium are your claims history, credit score, how much coverage you need, and even what breed your dog is. Each carrier weighs these risks differently, which is why it’s important to always shop your home insurance policy through five to ten carriers to find the best policy for your needs.
What Does My Home Insurance Policy in Waxahachie, Texas Cover?
Your basic HO-3 homeowners insurance policy will protect the following:
- The physical structure of your home
- Additional structures on your property such as a detached garage or shed
- Your personal property (Ex. appliances, clothing, jewelry, technology, etc.)
- Living expenses (Loss-of-use coverage)
- Liability
It is important to keep in mind that all of the coverages on your policy have a limit. So for example, if you’ve got a valuable art or jewelry collection that is worth more than the limits of your home insurance policy, you’ll want to look at supplemental or policy add-ons to bridge any gaps in coverage you may have. Popular policy add-ons in Waxahachie, Texas include:
- Scheduled personal property
- Valuable Articles/Floater policies (Ex. jewelry insurance)
- Umbrella insurance (Additional liability coverage)
- Animal liability
- Flood insurance (Because flood damage is not covered by homeowners insurance)
- Water backup coverage
Zip Codes in Waxahachie, Texas That We Insure:
- 75165
- 75167
- 75168
- 76065
Don’t see your zip listed? As long as it’s in Texas, we’ve got you covered with great home insurance!
