Longview Homeowners Insurance

Your Complete Guide to Longview, TX Homeowners Insurance

(Find the best pricing for your home policy.)

Longview, Texas, is a hub for outdoor recreation and travel. This town is known for its restaurants, historic downtown area, and festivals.

If you're one of the 81,522 residents in this charming town, you'll want homeowners insurance. An independent insurance agent can shop price with A-rated carriers. You can connect with a local independent agent in minutes.

The Price of Longview, TX Home Insurance

Each home and insured has different criteria when it comes to insurance. If you are looking to get the same price as your neighbor, look again. Homeowners insurance is tailored to you and your home's specifications. It is likely to be different from anyone else's because it's unique to you. Let's look at average annual home insurance premiums:

  • National average: $1,173
  • Texas average: $1,991
  • Longview average: $1,189

While your home insurance rates can differ from the averages, it doesn't hurt to compare. It can help to see where your home premiums lie and if there are factors you can change. Every carrier looks at specific criteria when determining your insurance cost. Some elements are outside of your control, while you can improve others. Let's look at what the carrier rating factors include:

  • Weather 
  • Local crime rates
  • Your claims history
  • The coverages you select 
  • Your credit score
  • The year, construction type, and square footage of your home
  • If you qualify for any discounts

An independent agent can help narrow down your home coverage search by running quotes with multiple carriers at once. This will ensure you're getting the best pricing and insurance without all the hassle.

Does Your Longview Home Policy Cover Burglaries?

In general, Texas has a higher rate of burglary than the rest of the nation. That's probably because the state is so large. The law of large numbers plays a role, where the more people you have, the more crime occurs. Let's take a look at burglary rates:

  • Number of burglaries per 1,000 homes in the US: 4.69
  • Number of burglaries per 1,000 homes in Texas: 5.34
  • Number of burglaries per 1,000 homes in Longview: 5.84

If you're the victim of a burglary, you may be wondering how your insurance will respond. Most home policies will provide coverage for theft, while others could exclude it. Get with your Longview agent to find a home policy that will insure all your exposures.

Liability Insurance for Your Longview, TX Home

Home liability insurance is the primary coverage on your policy. It will protect you and members of your household from a lawsuit. There are several occasions when your liability insurance could apply. Let's take a look at some of them:

  • If a person injures themselves on your property
  • If a household member is sued for slander, either in person or online
  • If a household member causes injury or property damage by accident 
  • If your pet causes injury or property damage 

Homeowners insurance will cover your claim as long as it's unintentional. Contact your agent about how your policy would respond to these occurrences. 

Your Risk as a Longview, TX Homeowner

Weather-related claims and natural disasters are a part of life. If a catastrophic event occurs, your home policy needs to have sufficient coverage. The right insurance could mean the difference between whether or not a claim is paid. Some of Longview's natural disasters are unavoidable. However, your home insurance should provide coverage.

Natural Disasters in Longview, TX: 

  • Number of federally declared catastrophes since 1953: 254
  • Most common catastrophe: Fires
  • Number of tornadoes per year: 146.7

The odds of you filing a claim related to a catastrophic event are higher living in Texas. Your home policy is designed to provide coverage for a natural disaster. It should replace and repair any property and provide coverage for medical expenses and hotel stays. Connect with your independent agent on how your home policy is written.

Flood Insurance and Your Longview, TX, Home

Flood damage is one of the top three most-reported natural disasters in Longview, along with hurricanes at number one and storms at number two. Your primary homeowners policy will exclude coverage for any flood damage. This means you'll need a separate flood insurance policy. Here's how to get flood insurance in 3 easy steps:

#1 - Get connected with an independent agent.

#2 - Have your agent determine the flood zone of your property by pulling the elevation certificate.

#3 - Buy flood insurance from among the options presented by your agent.

Work with a Longview, TX, Independent Agent

With the right home insurance coverage, you can protect your family from all your risk exposures. An independent insurance agent can get you the best coverage for the right price. 

They work with several carriers and can give you options on your home insurance. Visit TrustedChoice.com to get connected with a Longview independent agent, so you can start getting quotes.

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