Save On Home Insurance in Austin, TX | TGS Insurance Agency

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Homeowners Insurance  »  Texas  »  


With TGS Insurance, Finding The Right Austin Home Insurance Policy is as Easy as 1-2-3


How Much is Home Insurance in Austin, TX?

Homeowners in Austin, TX pay an average of $1,654 a year for home insurance. TGS Insurance customers are currently paying an average of $951 a year on their home insurance in Austin which means they are saving an average of $703 per year compared to the city average! Since policies are unique to each homeowner and their home, finding the right policy for you is critical- contact TGS Insurance Agency today to save money on the right policy! 

Comparing the Average Cost of Homeowners Insurance in Austin, TX By Dwelling Coverage Limit

Coverage LevelAverage Annual Premium (incl. wind coverage)
$75k Dwelling$1,104
$150k Dwelling$1,459
$200k Dwelling$1,693
$350k Dwelling$2,359
*Data is from Help Insure from the Texas Department of Insurance. Averages are based on quotes for a homeowner with average credit with a brick home between 10-34 years of age in Austin, TX.


Building Comprehensive Austin, TX Home Insurance Coverage Tailored To Your Needs

There are many factors that determine how much you pay for home insurance but a primary factor is the coverage that you choose. Each home and situation is unique so your agent can work with you to determine which of the following coverage options you should include in your policy and how much you need to stay protected. 


Protection for Your Home

Dwelling Coverage is the part of your policy that may help pay for the repairs or even rebuilding cost of the physical structure of your home if it is damaged by a covered peril such as a house fire or tornado. 


Financial Protection for You and Your Family

Personal Liability Coverage helps protect you when someone is injured or if someone’s property is damaged through your own fault. When choosing your liability coverage limits, homeowners need to consider the amount of money they earn and the assets they own. This is because the personal liability coverage that you choose needs to be high enough to protect these assets should you end up facing a lawsuit.


Assistance With Medical Coverage for Others

When guests are injured on your property and you’re found at fault, you could be left paying for those lofty medical expenses without the right coverage. Your home insurance coverage covers your guests’ medical expenses by helping homeowners stay protected against lofty medical expenses. It is important to note that it does not cover health care costs for you or other members of your household.


Assistance With Additional Living Expenses

If your home becomes unlivable, you’ll likely be forced to pay for living expenses you wouldn’t ordinarily have to worry about while you are displaced such as a hotel room. If your home is in this condition because of a peril covered by your policy, this coverage is there to help you pay for those additional living expenses, including staying at a hotel, while the damage is assessed and your home is restored or rebuilt to a livable condition.


Protection for Your Personal Belongings

Your home is filled with many personal items including your clothes, electronics, furniture, and many other items of value- both monetarily and sentimentally. Personal Property Insurance helps homeowners replace these items should they become lost, stolen, or destroyed as a result of a covered loss in your policy.


Scheduled Personal Property Coverage For More Expensive Belongings

Homeowners with valuable possessions such as jewelry, fine art, antiques, or collectibles may require additional coverage. Those looking to protect such personal possessions should speak with their agent about this supplemental coverage option as your home insurance policy will only protect your valuables to a specified amount. Items and collections that are more valuable than your policy limits will require additional coverage to keep protected.


If You Rent Out Your Home

Landlords may have the option to buy optional liability coverage for the unique risks posed by tenant-occupied dwellings.


Every home is different and our independent agents at TGS Insurance Agency understand that the coverage needs of homeowners to protect their homes will also be unique. Contact us today and learn how to protect yourself and your investments with the best homeowners insurance coverage for homes in Austin, TX all provided at the lowest price available.


We’re Your “One-Stop-Shop” for Insurance – Bundle Our Services and Save!


Take advantage of the discounts provided when you bundle multiple policies, such as home and auto.

Do you need an umbrella policy? 

We provide our clients with Umbrella Coverage to protect them from additional liability they may face. Your homeowners insurance may cover both medical costs and legal costs, but as both of these expenses continue to rise, umbrella coverage is an attractive option for many homeowners in Austin, TX looking to protect themselves and their finances. TGS Insurance helps homeowners in Austin, TX every day by finding the right Umbrella Coverage to meet their needs all at the lowest rate available.

Zip Codes in Austin, TX That We Insure:


Don’t see your zip code listed? Don’t worry, as long as it’s in Texas, we’ve got you covered!

Home Insurance Carriers in Austin, TX

Allied Trust logo
Allstate logo
American Modern logo
Amwins logo
Aon Edge logo
Appalachian Underwriters logo
ARI logo
ASI logo
Attune logo
Bankers Insurance Group logo
Bass Underwriters logo
Berkshire Hathaway GUARD logo
Branch logo
Bristol West logo
Burns & Wilcox logo
Centauri logo
Collectibles Insurance Services logo
Commonwealth logo
Elephant logo
Encompass logo
Foremost logo
FrankCrum logo
Gainsco logo
Hallmark logo
Hippo logo
Homeowners of America logo
IAT Flood logo
Infinity a Kemper Company logo
Jewelers Mutual Group logo
Kemper Auto logo
Lemonade logo
Mercury logo
Mission Select logo
National General logo
National Summit logo
Nationwide logo
Neptune Flood logo logo
Progressive logo
Roamly logo
Safeco logo
SafePoint logo
SageSure logo
State Auto logo
Swyfft logo
Texas Mutual logo
Travelers logo
USLI logo
Wellington logo

TGS Insurance is Austin's Premier Home Insurance Provider

Austin neighborhood

Austin is one of the fastest-growing metro cities in the country and it's easy to see why. Dubbed the "Live Music Capital of the World" Austin residents have easy access to endless amounts of entertainment whether that be enjoying activities on Lady Bird Lake, hiking at the Greenbelt or hopping around to various eateries or bars downtown. The capital city was named after Stephen F. Austin and lives up to its city motto, "Keep Austin Weird." TGS Insurance is proud to be one of the leading home insurance carriers for the city of Austin.

Austin neighborhood

TGS Insurance provides home insurance in Austin from dozens of different carriers. Austin residents all want the same thing - the best home insurance policy at the lowest price. As an independent agency with thousands of customers, 35+ carriers and amazing customer service, we win business from Austin residents every single day.

Key Home Statistics in Austin


Total Population in Austin, TX


Average Home Value in Austin, TX


Median Household Income in Austin, TX


Median Age in Austin, TX

Trust TGS Insurance in Austin

Data as of July 18, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Major Neighborhoods in Austin, TX

Image of Avery Ranch   Neighborhood

Avery Ranch

Avery Ranch is located in the center of the Texas Hill Country. The beautifully kept neighborhood features a tennis club, popular golf course, hiking trails, neighborhood swimming pools, parks and more!

Image of Westlake Hills  Neighborhood

Westlake Hills

West Lake Hill is located close to the shoreline of the Colorado River. The sought-after neighborhood is close to Ziker Park, Lions Golf Course and Viero Nature Preserve.

Image of Bouldin Creek  Neighborhood

Bouldin Creek

Bouldin Creek is located south of Downtown Austin. Homeowners are close to Butler Metro Park, Rainey Street Historic District and is home to the iconic “Greetings from Austin” mural.

Image of Circle C Ranch  Neighborhood

Circle C Ranch

Circle C Ranch is a master-planned community located just southwest of Austin. The popular neighborhood boasts many amenities including trails, Olympic-sized pools, recreation centers and a golf course.

Image of Hyde Park  Neighborhood

Hyde Park

Hyde Park is a beautiful residential area filled with Victorian architecture. Homeowners are close to all the downtown attractions including the Texas Capitol, Barton Springs and Morris Williams Golf Course.

Image of Windsor Park Neighborhood

Windsor Park

Windsor Park is nestled along Hwy 290 and I-35. Residents are close to Muller Market District and have easy access to a variety of parks, swimming pools and splash pads.

Local Home Resources in Austin, TX

Fire Departments
Catch A Little Fire1704 S Congress Ave
Austin, TX 78704
(512) 447-2430
Ce-bar Fire Dept353 S Commons Ford Rd
Austin, TX 78733
(512) 263-7390
Childress City - Fire DepartmentChildress
Austin, TX 78703
(940) 937-6562
Driftwood Volunteer Fire Dept15850 Fm 1826
Austin, TX 78737
(512) 288-5474
Jollyville Volunteer Fire Dept12507 Mellow Meadow Dr
Austin, TX 78750
(512) 258-1038
Jollyville Volunteer Fire Dept9218 Anderson Mill Rd
Austin, TX 78729
(512) 258-1038
Manchaca Fire Dept2301 Riddle Rd
Austin, TX 78748
(512) 282-4485
Oak Hill Fire Dept4111 Barton Creek Blvd
Austin, TX 78735
(512) 288-4246
Police Departments
Austin Police Chief715 E 8th St
Austin, TX 78701
Austin Police DeptPo Box 689001
Austin, TX 78768
BEE CAVE POLICE DEPARTM...4000 Galleria Pkwy
Austin, TX 78738-6370
Campus PolicePO Box 7787
Austin, TX 78799
Capitol Police DistrictPO Box 13126
Austin, TX 78799
AUSTIN, TX 78799
Capitol Police DistrictPo Box 4087
Austin, TX 78765
AUSTIN, TX 78799
City Of Austin Police DeptPo Box 689001
Austin, TX 78768
Highway Patrol4719 S Congress Ave
Austin, TX 78799
Highway Patrol13730 N Highway 183
Austin, TX 78750
Highway Patrol9000 N Ih 35
Austin, TX 78799
Rollingwood Police Dept403 Nixon Dr
Austin, TX 78746
Texarkana Texas Police Department1106 CLAYTON LANE
AUSTIN, TX 78723
Texas Highway Patrol9000 N Interstate 35
Austin, TX 78753
Travis County Law Enforcement3800 Hudson Bend Rd
Austin, TX 78799
Travis County Sheriff1003 GUADALUPE ST
AUSTIN, TX 78701-2328
Travis County Sheriff509 W 11th St
Austin, TX 78799
AUSTIN, TX 78799
Travis County Sheriff's Office3800 Hudson Bend Rd
Austin, TX 78734