Homeowners Insurance

Homeowners Insurance For Less

Most people understand that they need some kind of homeowners insurance, but few are educated enough on the subject to know exactly what they need. Unfortunately, even less know what policy prices are a deal, and which are a rip-off. That’s why we shop dozens of national carriers for you! - We’ll do all the research and heavy lifting! So all you have to do is sit back and relax, we’ll find the best coverage at the right price for you.

Remember, not all homeowners insurance policies are created the same. That means that choosing the correct policy and additional coverages for your needs can get overwhelming quickly. This is especially true since standard homeowner’s policies often do not cover things like flooding, wind damage and more. Do you live in home with special architectural features? Or one that’s been appraised for more than a million dollars? You’re likely going to need a special policy.

Fortunately, TGS Insurance is an expert in the homeowners insurance industry and we are ready to help you find the perfect policy for your needs. You’ll rest easier knowing your home and your belongings are safe, no matter what the circumstance.

What Is Homeowners Insurance?

The first step in acquiring the right homeowners insurance policy for your needs, is to understand exactly what homeowners insurance is. Essentially, homeowners insurance is a subset of property insurance that covers losses and damages to an individual's house and assets within their home. Homeowners insurance also provides liability coverage against accidents in a person's home, or on their property.

However, not every homeowners insurance policy is created the same. A standard policy tends to cover a home’s structure, and your belongings a major destructive event like a fire. However, most standard homeowners insurance policies do not cover maintenance problems that lead to destruction, like ignoring a leaky faucet for instance. Not only that, but while a standard policy does protect from disasters like a fire, disasters like floods and earthquakes are not a part of most standard policies, though many people need them.

Home Owners Insurance Options

The insurance you need, when you need it most

Flood Insurance

Flood insurance is one of the primary types of coverage that people assume their homeowners policy protects. Unfortunately, no standard homeowners insurance policy covers flooding of any kind. However, if you live an area where flooding is an issue you can always purchase a flood insurance policy through the National Flood Insurance Program. If you think you are going to need flood insurance in addition to a homeowners policy, tell that to your insurance agent before you buy! They will likely be able to help you with both. TGS Insurance for instance, offers homeowners insurance and flood insurance.

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Wind Insurance

Wind insurance is a special type of property insurance that is designed to cover damages caused by high winds. Now, most standard homeowners policies do cover damage caused by things like tornados, windstorms and hailstorms—but not every policy does. If you are concerned about wind damage, make sure you let your insurance agent know before you commit to a policy.

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Earthquake Insurance

Earthquake insurance may not be top of mind if you don’t live in California, but it should be! As it turns out, most places in the continental United States are at risk of some type of earthquake. Most standard homeowners insurance policies do not cover earthquake damage. However, you can purchase a separate earthquake policy, or as an endorsement to your homeowners policy from a private insurer. If you live in California, you can get earthquake insurance through the California Earthquake Authority (CEA). It’s also important to remember that the amount of coverage your earthquake insurance promises varies by policy. Be sure to do your research so you get a policy that will actually compensate you for your losses should an earthquake occur.

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Why You Need Homeowners Insurance

Unlike driving a car, you can actually own a home without purchasing a homeowners insurance policy, but should you? Absolutely not. In fact, if you have a mortgage most lenders will require you to have homeowners insurance. For most people, their home is the most valuable asset they have. Understanding that makes it easier to understand why it’s so important to protect that asset. Whether it’s a natural disaster, theft or accident, it’s important to know that your home and your belongings are protected.

Remember, a proper homeowners insurance policy doesn’t just protect the structure of your home, it should protect:

  • Your House
  • Other structures on your property
  • Personal property
  • You and your family
  • Guests
  • Additional Living expenses

Every homeowners insurance policy comes with different coverage limits. Consider the cost of things like rebuilding your home and replacing your possessions before you purchase a policy. It’s important to get a policy that will provide the fiscal protection you need should something unfortunate happen.

Why Homeowners Insurance

Get The Best Insurance From TGS Insurance

Having a homeowners insurance policy won’t prevent damage from happening to your home or your belongings, but it will make sure you don’t have to restart with nothing. You worked hard to get where you are, it’s not worth losing everything because you didn’t take the time to properly protect yourself. Reading articles like this are a great first step, but you should always take the time to consult with an insurance professional before investing in a policy. The staff at TGS Insurance prides itself in their insurance expertise, particularly with homeowners insurance. Take the time to reach out to them today for a free consultation and they’ll work with you to find the homeowners policy that’s perfect for your life, and your wallet. Visit www.tgsinsurance.com for more information.

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