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Wichita Falls Home Insurance Made Simple with Hassle-Free, Accurate Quotes!

 

When it comes to Wichita Falls 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
  • Personal possessions (up to a set limit)
  • Living expenses in case your home is unlivable due to a disaster
  • Liability (in the event someone gets injured on your property and tries to sue you) 

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)

 

Wichita Falls, TX Home Ownership Costs

 

Median Home Value (owner-occupied)1: $97,400
Median Household Income1: $45,476

In Wichita Falls, TX, home insurance premiums average $3,026 annually, which is over 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 in Wichita Falls pays $1,664 per year, which means an annual savings of $1,362 compared to the area average!
 

Most Popular Additional Home Coverages in Wichita Falls, TX:

 
Windstorm and Hail Coverage: Homeowners in Wichita Falls, TX are familiar with the damage severe thunderstorms, hail, tornadoes, tropical storms, and hurricanes can bring. Severe windstorms and hail events can bring damage that can require costly repairs to your property and without the right coverage, you’ll be stuck paying for them out of pocket. TGS Insurance believes you should be prepared for anything and that includes wind and hail damage. This is why we automatically include a 2% deductible for any windstorm/hail damage in every homeowners insurance policy we write!

Water Backup: Water damage from inside of your home due to sewer or drainage backup is an expensive and messy hurdle to overcome that is not covered by homeowners insurance nor flood insurance. Luckily, TGS Insurance provides add-on protection against sewer and drainage backup that can help you protect up to $5,000-$25,000+ worth of damages.

Flood Insurance: As many as 20-25% of all flood claims come from homes outside of flood zones. Flood events can be devastating and expensive and without adding flood coverage to protect your home, you’ll be left to contend with the costs to restore what is lost in the aftermath. The average Texas policy costs around $634 per year but will vary depending on your location.
 

Most Common Home Insurance Questions from Our Customers Near Wichita Falls, TX

 

Does homeowners cover lost jewelry?

Your homeowners insurance will cover lost jewelry; however, only up to the amounts stipulated in your policy. If you’re needing to cover an expensive piece or a collection that exceeds your policy limits, you’ll need to purchase additional jewelry insurance in the event of theft or damage.

Do I need homeowners insurance during construction?

You may not need regular homeowners insurance but should at least cover yourself from fires and other appropriate perils that can occur during construction. Speaking with your agent will guide you to the right homeowners policy for your home while it is being built.

Are fires covered by home insurance?

Yes, thankfully, home insurance will help you restore and rebuild in the event of a fire. While one of the least made claims in home insurance, fires can be one of the most destructive claims a homeowner can endure. Replacing your things and your home can be a stressful and financial burden. Home insurance is there so that you don’t have to face one of these horrifying events alone.
 

Our Local, Independent Agents Are Ready to Help You With Your Wichita Falls, TX Homeowners Insurance:

 
TGS Insurance works for you. Our team of experts finds you the right coverage for the lowest rate available to give you the most coverage while saving your money. Homeowners in Wichita Falls, TX, receive monthly savings and peace of mind provided through our world-class customer service.
 

Footnotes

1. Census.gov

Home Insurance Carriers in Wichita Falls, 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 Wichita Falls' Premier Home Insurance Provider

Wichita Falls neighborhood

Wichita Falls, TX is located only 15 minutes south of the Oklahoma border and is home to the beautiful falls of the Wichita River that would give this eclectic city its name. Fishing is popular due to its access to lakes and rivers as well as other recreational activities and is home to the Professional Wrestling Hall of Fame and Museum.

Wichita Falls neighborhood

Homeowners in Wichita Falls all want an excellent homeowners policy at the best rate. At TGS Insurance, we shop your policy with 35+ carriers to find Wichita Falls, TX residents the best policy. As a locally owned agency we win business from Wichita Falls, TX residents every day through our great customer service and extensive industry knowledge.

Key Home Statistics in Wichita Falls

104,683

Total Population in Wichita Falls, TX

$108,499

Average Home Value in Wichita Falls, TX

$43,751

Median Household Income in Wichita Falls, TX

33

Median Age in Wichita Falls, TX

Trust TGS Insurance in Wichita Falls

Data as of August 02, 2021

15,000

Total
Customers

$4.27B

Total Assets Covered Projected

13,700

Total Homes Insured

5,200

Total Vehicles Insured

Major Neighborhoods in Wichita Falls, TX

Image of Allendale Neighborhood

Allendale

Allendale is a wonderful family-friendly neighborhood nestled in southwest Wichita Falls, Texas. Recreation is never far away thanks to Memorial Stadium and the surrounding facilities. There are also plenty of schools, parks, medical centers, restaurants, and shops that are only a short car ride away.

Image of Southfork Neighborhood

Southfork

Southfork is a great suburban neighborhood in Wichita Falls, TX. Residents are close to Lake Wichita and Lake Wichita Park as well as Memorial Stadium with a host of recreational activities surrounding the arena.

Image of Bridge Creek Estates Neighborhood

Bridge Creek Estates

Bridge Creek Estates offers some of the most remarkable homes in all of Wichita Falls, Texas. Its residents enjoy an elevated suburban living in a tranquil environment. These stunning homes are near Lake Wichita with a variety of shops and restaurants close by.

Image of Floral Heights Neighborhood

Floral Heights

Floral Heights is a historic neighborhood featuring beautiful homes and magazine-ready yards. Nestled on the southeast side of Wichita Falls, TX, residents have access to shops, restaurants, and Morningside Park for recreation.

Image of Sunnyside Heights Neighborhood

Sunnyside Heights

Sunnyside Heights is an established community on the southeast side of Wichita Falls, Texas. Residents are near Lamar Park and Lamar Elementary School.

Image of Colonial Heights Neighborhood

Colonial Heights

Colonial Heights is a wonderful neighborhood in Wichita Falls, TX. Residents of this community are near many amenities and social hubs including Midwestern State University, The Champions Course, and Weeks Park.

Local Home Resources in Wichita Falls, TX

Fire Departments
Bowman Volunteer Fire Department15974 Farm to Market 1954
Wichita Falls, TX 76310
(940) 692-7221
Cameron Gardens Volunteer Fire Department - Administrative153 FM-1740
Wichita Falls, TX 76305
(940) 767-7557
Charlie-thornberry Fire Dept
Wichita Falls, TX
(940) 544-2410
Dean Dale Volunteer Fire Department6939 State Highway 79 N
Wichita Falls, TX 76305
(940) 766-1959
Police Departments
Highway Patrol Div5505 Central Fwy
Wichita Falls, TX 76310
9408515520
Wichita Falls Police Chief610 Holliday St
Wichita Falls, TX 76310
9407617732
Wichita Falls Police Chief610 Holliday St
Wichita Falls, TX 76301
9407617732
Wichita Falls Police Dept610 Holliday St
Wichita Falls, TX 76301
9407617792