Shop Quotes For Spring Texas Home Insurance Rates

How Much Does Spring, TX Homeowners Insurance Cost?

In Spring, TX the standard cost for homeowner’s insurance is about $1,197 a year,  At Freedom Insurance Group, our clients see a significant saving each year on their home insurance.

POPULAR PROPERTY COVERAGE LIMITS IN SPRING TEXAS

Coverage Level	Average Annual Rate
$200,000 Home Value	$1,148
$250,000 Home Value	$1,254
$400,000 Home Value	$1,627
$500,000 Home Value	$1,833
$600,000 Home Value	$1,945
$750,000 Home Value	$2,120

 

*Information retrieved from the Texas Department of Insurance from Help Insure and averaged with internal data.

Spring, TX Auto and Homeowners Insurance Bundling Discounts Average rates

Place	1 Car Bundle Savings On Insurance	2 Car Bundle Savings On Insurance	3 Car Bundle Savings On Insurance
Spring Texas	$129	$218	$318

 

Most companies consider these things when deciding on your premium:

• Your home’s age and condition. Companies can’t turn you down just because of your home’s age or value, but they can charge you more.
• Your home’s replacement cost. Houses with higher replacement costs have higher premiums.
• Construction materials. Premiums are higher for houses built completely of wood. They’re lower for houses built of brick or stone.
• Where you live. Premiums are higher in areas that have more storms or crime.
• Availability of local fire protection. Premiums are lower for houses that are close to fire stations.
• Your claims history. Your premiums might be higher if you’ve had claims in the past.
• Your insurance score. Some companies use your credit score to decide what to charge you. Your premiums will be lower if you have good credit.

Home Insurance Discounts Available in Spring, TX

	Home Discount Name	Home Discount Description	Discount Amount
	New Home	New Construction Recently Purchased	up to 40%
	Age of home	5 Years Old	up to 26%
	Bundle	Home And Auto	up to 25%
	Upgrades	Electrical, plumbing, heating, roof full updates	up to 20%
	Age of home	10 Years Old	up to 13%
	Construction type	Fire Resistive	up to 11%
	Advance Purchase	7 Days Advance Purchase	up to 8%
	Loyalty	10+ Years Renewal	up to 8%
	Construction type	Masonry	up to 7%
	Paid in Full	Paid in Full	up to 7%
	Loyalty	5 Years Renewal	up to 6%
	Fire Sprinklers	Sprinklers	up to 9%
	Claims Free	5 Year Claims Free	up to 5%
	Claims Free	10+ Year Claims Free	up to 5%
	Hail Resistant Roof	Hail Resistant Roof (class 1,2,3,4)	up to 12%
	Loyalty	3 Years Renewal	up to 5%
	Fire Alarm	Central Station	up to 2%
	Gated Community	With Patrol	up to 2%
	Burglar Alarm	Police Department	up to 4%
	Burglar Alarm	Central Station	up to 4%
	Age of home	15 Years Old	up to 4%
	Water Safety System	Water Leak Detection – Shut Off And Alarm	up to 4%
	Water Safety System	Water Leak Detection – Shut Off	up to 3%
	Gated Community	Without Patrol	up to 2%
	Water Safety System	Water Leak Detection – Alarm	up to 3%
	Automatic payments	Electronic Fund Transfer	up to 3%
	Burglar Alarm	Local	up to 1%
	Fire Alarm	Local	up to 1%
	Age of home	20 Years Old	up to 2%
	Smoke Detector	Smoke Detector	up to 1%
	Fire Extinguisher	Fire Extinguisher	up to 1%
	Storm Shutter	Storm Shutters	up to 1%
	Deadbolt	Deadbolt	up to 1%

 

See How Much Auto Insurance Costs in Spring Texas HERE

 

What does the standard Home Insurance Policy in Spring, TX Include?

Homeowners insurance offers coverages with the goal of protecting your home, personal belongings, and your liability in case your home becomes damaged to a peril/loss including a visitor’s medical fee, fire, robbery /vandalism, etc. Policies vary, but take a look at some of the most usual coverage choices below:

• Dwelling Coverage (A): this protects your home’s physical structure, for instance, your home’s foundation, roof, and walls. It can even protect structures that are linked to your home such as a deck, detached garage, or patio. Dwelling coverage is an important coverage for homeowner’s insurance.
• Other Structures Coverage (B): whereas the principal structure of your home is covered by dwelling coverage, structures that are not linked to your home will require other structures coverage to stay protected. This encloses decks, detached garages, sheds/shops, etc.
• Personal Property Coverage (C): protects against damaged personal possessions that happen from particular perils including fires, theft, or vandalism. Each policy differs and what is or isn’t covered will depend on your insurance company. For more costly objects such as art or jewelry, you may need extended coverage options.
• Loss of Use/Additional Living Expenses Coverage (D): should a covered peril generate a circumstance in which your home is unlivable, this coverage aids you pay for where you temporarily live while waiting for your home to be rebuilt to a habitable state.
• Personal Liability Coverage (E): this coverage is to protect homeowners against possible medical expenses that can accumulate should a visiting party become injured on your property and you are found responsible. Personal liability coverage can also cover possible legal fees related with the injury.
• Medical Expenses Coverage (F): within your homeowner’s insurance policy, it helps to cover the essential medical bills of a guest in your home should they become hurt while visiting your property. Medical expenses coverage can even help balance costs if you are not responsible.

Supplementing Your Homeowners Insurance Policy in Spring

There are several perils your home may face that aren’t covered by your standard home insurance policy. Through endorsements, additional coverage options, and changing your homeowner’s insurance policy, you can gain even more protection. Take a closer look at some of the options you have when searching for additional protection and speak with an agent to find the best options for your needs:

• Flood Insurance- Floods continue to devastate cities across Texas and the United States and you may be surprised to learn that flood damage is not covered by your homeowners insurance. The Dallas, TX, region has a moderate risk of flooding over the next 30 years according to Flood Factor making it a threat to residents in the area. As many as 1 in 4 flood claims come from homeowners who live outside of high-risk areas. Adding flood insurance helps protect against a common threat to your home by helping you restore flood-related losses.
• Umbrella Insurance- Liability protection is important for every homeowner but for those with more to lose, it is a critical component. In the event of a lawsuit, your assets could become vulnerable without the right protections in place. Avoid losing what you’ve worked hard for by purchasing umbrella insurance that can cover your valuables after you’ve reached your policy limits.
• Scheduled Personal Property Coverage- Your homeowner’s insurance policy will protect your personal belongings, but there are policy limits. If you are looking to protect valuables like jewelry and fine art with values that exceed your coverage, this endorsement can help protect your high value or unique items
• Extended Replacement Cost- Although not all losses are completely devastating, some are and can exceed the amount of coverage you have for your home. For example, one of the rarest perils a homeowner may face is also the most expensive, a house fire. If you suffer a total loss and require replacing your possessions and rebuilding your home, extended replacement cost coverage can help you cover losses outside of your homeowners insurance’s coverage.

The Secrets to Saving on Home Insurance in Spring Texas

If you’re a homeowner, chances are you’re going to want to save money on your home insurance policy. A home is your shelter and your investment. Putting a significant amount of money into your home is a great financial move, but you’ll also need to protect your interest. Home insurance policies differ from homeowner to homeowner. This is due to several reasons including your coverage needs, personal factors which affect your premium, and characteristics of your home, just to name a few. But saving on a home insurance policy is the shared dream of all homeowners. Your dream can be a reality through these easy to follow tips:

• Compare your rates among a variety of insurance brands. Each insurance brand will assess your risk differently which leads to differing insurance premiums. By shopping around you can find the right company for your needs.
• Bundling: your home insurance policy with your auto insurance
• Increase your deductible for a lower home insurance premium.
• Install improvements to your home that increase its ability to sustain natural disasters, prevent crime, or keep your household safe. (Examples: Hurricane grade storm shutters, security systems, a fire alarm system with sprinklers, etc.)
• Loyalty discounts: Customers who stay with the same insurance company for a long time are rewarded with discounts.
• Near a fire hydrant/fire station: The closer you are to a fire hydrant and also the fire station, the faster fires can be put out, earning you a discount.
• New home: New homes typically are built with stronger safety innovations, making claims less costly.
• High-quality roof: Hail and wind damage are among the top reasons homeowners file a claim. A sturdy roof can lower your premiums. (Of course, it lowers your heating bill and looks nice, too. Sweet!)
• Tidy yard: When insurance reps visit your property, they like to see it looking spiffy. Neatly trimmed grass, shrubs, and trees lower fire risk and show the insurance company that you care about your property. Discount!
• Avoid recreational hazards: A home without a pool or trampoline is at much less of a risk of a claim, earning you a discount on your coverage.

There are plenty of ways to save money on your policy and seeing as every homeowner needs this protection, it only makes sense to receive it at the lowest rate. Texas has some of the highest home insurance rates in the country making it imperative for homeowners to take the necessary steps to save money. Shop around, bundle when you can, and do your part in protecting your home for the best results.

The benefits of allying with Freedom Insurance Group for Home Insurance in Spring:

At Freedom Insurance Group, we are convinced that getting first class home insurance should be easy and inexpensive. We shop 25+ quality Insurance companies to find a policy that suits your necessities and finance without ever bargaining on coverage.

We compare and shop your home insurance with our multiple insurance carriers in pursuit for the best coverage and value.

We want our customers to always save on home insurance, so yearly when it’s time to renew, we’ll re-shop and rate your policy to find the best rate for you. You’ll never overpay for insurance again when you choose Freedom Insurance Group!

 

Zip Codes in Spring, TX That Freedom Insures

77373

77383

 

Resident Resources in Spring

Police Department in Spring	Fire Department in Spring
420 Lockhaven Dr,Houston, TX 77073(281)-891-6911	646 E Louetta Rd,Spring, TX 77373(281)-355-1266

 

Major Neighborhoods in Spring

Abramswoods	Acacia Park	Alden Bridge Hollylaurel	Alden Bridge Woodlands
Alden Trace	Aldine	Alexan Exchange Apartments	Alexis
Altwood/Lansdowne	Alvin A Klein	Auburn Lakes	Augusta Pines
Bacopa Bay	Belcourte/Bonny Branch	Bella Sera	Benders Landing
Bending Bough	Bethany Bend	Birnam Wood-Fairfax	Birnam Wood III
Birnhamwood	Borough Park	Bradbury Forest	Brentwood Lakes
Bridgestone	Bristol Lakes	Candlelight	Canoe Bend
Canopy	Canyon Lakes At Legends Ranch	Carlton Woods	Cascade Canyon
Cedar Edge	Champion Forest	Champion Lake	Champions Trail
Chandler Creek	Colony Creek Village	Copper Sage	Country
Coventry	Covington Bridge	Creekside Forest	Creekside Park
Creekside Village	Cricket Circle	Crossroads	CW Creekside
Cypressdale	Cypress Forest	Cypress Trace	Cypress Trails
Cypress Villas	Cypresswood	Devonshire	Dove Meadows
Dulcet Hollow	Eagle Mead	Enchanted Oaks	Enclave/Wrights Landing
Estates Creek	Estates Of Legends Ranch	Estates of Legends Trace	Fairfax Village
Farmette Meadows	Five Oaks	Forest North	Forest Point
Forest Ridge	Forest Village	Founders Reserve	Fox Hollow
Fox Run	Garnet Bend	Ginger Dr	Gleannloch Farms
Glen Mill	Glenn Haven Estates	Gosling Pines	Gosling Rd
Gosling Road	Grand Park Market Place	Greengate	Grogan’s Mill
Grogan’s Point	Hampton Creek	Hannover	Harmony
Havergate	Hawthorne Drive	Hayden’s Run	Hazelcrest
Herald Oaks	Hideaway	Highland Glen	Hollymead
Holzwarth Rd to Whitewood Dr	Houston	Hunting	Imperial Oaks
Jagged Ridge	Kleinwood	Kuykendahl Rd	Lakes At Avalon Village
Lake Voyager	Lamesa Hwy	Laurel Park	Ledgestone
Legacy Point	Legends Run	Lenox Hill	Lexington Woods
Liberty Branch	Liberty Park	Linton Ridge	Lockeridge Farms
Londonderry	Maple Glade/Greenvine	Maple Terrace	Max Conrad Dr
McKenzie Park	Meadow Hill Run	Memorial Chase	Memorial Creek
Memorial Estates	Memorial Northwest	Memorial Park	Mercer
Middlecoff	Middlecreek Village	Mirror Lake	Mossy Oaks
Normandy Forest	Northampton	Northcrest Village	North Gate Crossing
North Hill Estates	North Hills	North Panther Creek Drive	North Spring
Northway/Green Bridge	Northwood Park	Northwood Pines at Northgate	Nursery
Oak Falls	Oakhurst Dr	Oakmont Village	Oak Moss
Oak Ridge North	Oakwood Glen West	One Westfield Lake	Paloma Cove, Paloma Grove
Paloma Pines	Paloma Point	Park at Meadowhill	Park at Research Forest
Postwood	Preserve	Pruitt	Rayford
Regan Mead	Reserve at Klein	Rhodes Landing Blv	Riley Fuzzel Rd
Sandpiper	Sawdust	Sawmill Ranch	Sciaaca
Shaded Arbor	Shadowlake Forest	Shadow Valley	Shale Creek
Shannon Forest	Shawnee Ridge	S North Winterport Circle	Spincaster
Sterling Gate Estates	Sterling Pond	Sterling Ridge West	Stone Creek Courts
Stone Forest	Stuebner Airline Rd	Summerlyn	Sundance
Sylvan Forest	Taylor Point	TC Jester Blvd	Terra Nova
Terranova West	The Chancel	The Sanctuary	The Woodlands
Thrushwood	Tiffany Meadows	Timbercrest Village	Timber Lakes
Timberlane	Timber Ridge	Timberwild	Trailing Vine Place
Tupelo Park	Twin Falls	Veranda Ridge	Village of Panther Creek
Villages of Northgate Crossing	Villages – Senterra Lakes	Vistas at Klein Lake	Webb Creek-Woodlands
Wedgemere	West Alden Bridge	Westwinds	Wilde Creek
Wilding Estates	Willowick Forest	Willow Trace	Wimbledon
Windrose West	Windsor Forest	Woodbriar Place	Wood Farm
Woodland Meadows	Woodson’s Reserve	Wyngate Terrace	Wynnoak

 

Freedom Insurance Group is Proud to Serve Spring, Texas

Knowing you’re protected with the right coverages can bring you peace of mind. Finding the right coverages for the lowest price will deliver the protection you deserve while keeping money in your pocket. Freedom Insurance Group understands and helps find homeowners throughout Spring, Texas, the right coverage options for their needs at the lowest cost possible.

We get to know our clients to better understand their needs. Each homeowner’s needs are different and by creating a custom approach to your insurance needs we can prevent gaps in your coverage while saving you the most amount of money.

Our agents work for you by comparing your coverage needs among more than 25 top-rated insurance companies with strong financial ratings and a range of coverage options. By comparing your coverage among multiple brands, we can build a custom coverage option for you and your home that doesn’t break the bank. Contact us today or get a free home insurance quote with only a few clicks of a button.

Freedom Insurance specializes in the following Texas Insurance Services:

• Auto Insurance Quotes
• Home Insurance Quotes
• Boat Insurance Quotes
• Business Insurance Quotes
• Motorcycle Insurance Quotes
• Landlord Insurance Quotes
• Umbrella Insurance Quotes
• RV Insurance Quotes