White Settlement Home Insurance Made Simple with Hassle-Free, Accurate Quotes!
How Much Does Home Insurance in White Settlement, Texas Cost?
The average homeowners insurance policy in White Settlement, Texas can cost an average of $992 per year. That’s $2,347 more than the Texas average of $3,429 per year. At TGS Insurance, our average client saves $870 per year on their homeowners insurance, with some homeowners saving substantially more!
Compare the Average Cost of Homeowner Insurance in White Settlement, Texas by Dwelling Coverage Limit
| Coverage Amount | Average Annual Premium (incl. Wind Coverage) |
|---|---|
| $75,000 | $1,684 |
| $150,000 | $2,323 |
| $200,000 | $2,725 |
| $350,000 | $3,905 |
*We used the Texas Department of Insurance to calculate premiums. Methodology based on a homeowner with average credit, owns their home, no claims within the past 5 years, age of house is 10 to 34 years made of brick and includes windstorm coverage.
Property Owners in White Settlement Can Expect Personalized Homeowners Insurance Coverage with TGS Insurance Agency
A basic home insurance policy will cover the following:
- The structure of your home (Dwelling and other structures coverage)
- Replacement costs
- Personal possessions (Up to a set limit)
- Loss-of-use coverage
- Liability (Personal and medical payments)
If you’re looking for a bit more coverage for your home insurance policy in White Settlement, Texas, you can purchase policy add-ons such as:
- Flood insurance
- Umbrella insurance
- Animal liability
- Water backup coverage
- Equipment breakdown coverage
- Extended replacement cost
- Scheduled personal property
These are some of the most common add-ons in White Settlement, Texas, but be sure to talk to your TGS Insurance agent about what other policy add-ons are available for you to cover any gaps in coverage you may have.
Common Perils in White Settlement That Every Homeowner Needs Coverage For
Living in Texas comes with its own set of weather challenges. The state has seen its fair share of floods, hail, hurricanes, tornadoes, tropical storms, and windstorms and it’s important for every homeowner to have a home insurance policy that protects against each of these common weather occurrences.
Your homeowners insurance policy will cover these common perils:
- Fire and smoke
- Lightning
- Hail and windstorms
- Explosions
- Vandalism, theft, and malicious mischief
- Falling objects
- Aircrafts and vehicles
- Riot or civil disturbance
- Power surges
- Weight of ice, snow, sleet
- Water damage (Sudden & accidental)
It’s important to note that flood damage is not listed here, therefore if you want flood coverage you must purchase a flood insurance policy. The average policy is $634 per year, but at TGS Insurance our customers pay an average of $528 per year. Although you may think you may not need it, over 25% of flood damage claims come from homes living outside flood zones with the average flood claim being $42, 580 in 2018. So while we hope you never have to file a claim, a flood insurance policy is a worthy investment to avoid paying for flood damages out of pocket.
In addition to flood insurance, because Texas is prone to so many windy events such as tornadoes and hurricanes, it’s a great idea to ensure your home insurance policy has the proper windstorm and hail coverage. At TGS Insurance, we want you to feel confident in your homeowners insurance policy which is why we automatically write in a 2% wind/hail deductible into every policy we use in White Settlement, Texas!
TGS Insurance is Your One-Stop-Shop for Insurance in White Settlement, Texas
At TGS Insurance, we want to make getting insured easy and simple. We comparison shop every policy through our bank of 35+ A-rated (or better) carriers to ensure each client is getting the best coverage and rate the market has to offer because we don’t believe great coverage should break the bank. We also handle the entire enrollment process from start to finish for a hassle-free experience!
And because we want to help our customers save, take advantage of the discounts available when you bundle your various policies together! Do you need an umbrella policy? What about boaters insurance? Is your car bundled with your home insurance policy? We can help!
Zip Codes in White Settlement, Texas That We Insure:
- 76108
- 76116
If you don’t see your zip code listed, not to worry! As long as you live in Texas we’ve got you covered with great insurance!
