The city of Mesquite has come a long way since its humble beginnings as a 19th century farming community. It is now an established Dallas suburb and the 18th largest city in the state, boasting a population of over 139,000. Over 48,000 households are based here, all of which have different needs and risks from an insurance perspective. When you are considering the best way to protect your home, your family, and your finances, it's a good idea to research Mesquite, TX homeowners insurance.
A great way to get your search underway is to get in touch with an independent agent in the Trusted Choice® network. With over 27,000 locations across the United States, independent agents are based in your neck of the woods. These independent agents can give you coverage suggestions and free Mesquite home insurance quotes from multiple insurers. Contact a member agent today to get started.
Cost of Homeowners Insurance in Texas
- National yearly premium average: $1,034
- Texas yearly premium average: $1,661
- 3rd most expensive premium in the US
Your insurance rates are assessed based on a variety of unique factors. These may include your house’s location, condition, construction methods, and prior claims you've made. Additionally, your insurance company will take into account the risks and claims that other people in your area have made.
Mesquite lies within the southern range of "Tornado Alley," a region where windstorms are most frequent. One recent analysis of a local tornado’s destruction demonstrated that home construction methods heavily affect the amount of damage each house suffered. This is why insurers are likely to take the age and condition of a home into account when they offer you quotes.
In order to find accurate Mesquite homeowners insurance premiums for your house and property, it is best to compare quotes from a variety of local companies. A Trusted Choice member agent can supply these competitive rate quotes free of charge.
Mesquite Homeowners Insurance Coverage Types
Many basic home policies are similar. They offer a general package of coverage and some optional features. Here are some common variables you can discuss with your local agent:
- Building property value
- Home contents on or off premises
- Liability insurance
- Relocation assistance or “Loss of Use”
If you take the time to understand your coverage, you may notice that some types of incidents are also excluded by typical Mesquite homeowners insurance policies. Water damage is a common example. In addition, valuable collections of art, coins, stamps, antiques, as well as cash will require a separate "rider" or endorsement.
Texas participates in the National Flood Insurance Program. If your home is located in a high-risk area, you may be required to buy flood insurance. If your house is in a low- to medium-risk area, you likely have the option to purchase coverage. The threat of flooding and more expensive flood insurance premiums could be a consideration if you are shopping for a new house. Your Trusted Choice member agent can provide additional information.
Number of Catastrophes in Texas and the US
- National number of catastrophes: 19,033
- Number of catastrophes in Texas: 1,935
- National number of tornadoes: 1,233
- Number of tornadoes in Texas: 221
- National property damage from weather: $5,511,270,000
- Property damage from weather in Texas: $1,026,150,000
In addition to tornadoes, windstorms and floods do threaten the city from time to time. The city is hundreds of miles away from the Gulf Coast, but some storm fronts bring damaging winds and heavy rains into northern Texas. And even though you may not associate a suburban area like Mesquite with wildfires, some of the most damaging fires start in the home.
Make sure you have adequate coverage for all the risks you face in Mesquite. Check your homeowners insurance policy to make sure it provides adequate protection for fires, wind and storm damage, and other risks that might leave you with huge out-of-pocket costs. An independent agent can look through your current coverage to make sure you have the right levels of Mesquite homeowners insurance for your needs and risks.
Theft in Texas
- National average for burglaries: 37,814
- Texas number of burglaries: 190,898
The city is usually considered a pleasant and safe suburb, but thefts and vandalism can occur almost everywhere. You can protect your house and the property inside your house with adequate home insurance. Many insurers also recommend installing home security alarms, and these may help you earn a home policy discount.
Mesquite Home Insurance Quotes
Each house is unique. While it may be interesting to look at national statistics, the only way to find out which insurance company offers the best coverage at the lowest rate is to compare them. Even if you currently have Mesquite homeowners insurance, you may discover that a lower-priced option is available.
Find the right policy at the right price by contacting an independent local agent in the Trusted Choice network right away. You'll get more information about Mesquite homeowners insurance plans and prices and can be on your way to protecting your family and your home.