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

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Bacliff, TX

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Comparison Shop Home Insurance in Bacliff from Multiple Carriers in Minutes!


How Much Does Bacliff Homeowners Insurance Cost?


The average homeowner in Bacliff, TX pays $1,398 annually for their homeowners insurance premiums. TGS Insurance customers save an average of $870 a year with some customers earning even more!


Calculating Premiums for Home Insurance in Bacliff, TX

Your insurance carrier calculates your monthly premium by assessing the risk involved in insuring your home. There are many different risks because every home is unique and every location is unique. The higher the risk to insure your home, the higher your premium will be.


Your carrier will assess both your home and the surrounding area. Property-specific factors will be taken into consideration to determine the risk of insuring your home. Some of these include home size, the age of your home, and add-ons like swimming pools or a guest house. Insurance carriers also look at regional risk factors like your area’s crime rate, the prices of other homes in the area, and the likelihood of a severe weather event or natural disaster in your area. These factors will also impact the price of your premium. Homeowners in a flood zone can expect to pay higher insurance premiums than homes outside of a flood zone, and if you live in an area with higher crime rates for things such as home burglary or vandalism, you will likely also see a rise in your home insurance rates. 

These factors and more determine your home insurance premium, but some of the factors that affect your price are things you can control. Installing security systems, motion-sensor lights, and surveillance cameras can help you lower your monthly rate and save you money. A lower credit score will also negatively impact your monthly premium and raising your score will help you save even more.


Most Popular Additional Home Coverages in Bacliff:


Flood Insurance: The importance of flood insurance cannot be overstated for coastal areas such as Bacliff, TX. Your home insurance policy can do a lot but during a flood event, you are going to need a flood insurance policy to protect against the damage these weather events can bring. We can shop for private and government-issued flood insurance policies for our clients to find the best coverage for the best price in the market.


Windstorm and Hail Coverage: Tropical storms, hurricanes, and severe thunderstorms pose serious threats to homes in Bacliff. Avoid paying out of pocket for costly repairs caused by wind and hail by adding windstorm and hail coverage from TGS Insurance. We automatically include a 2% wind/hail deductible in every policy we write so you can have peace-of-mind knowing you’re protected. 


Water Backup: Backed-up drainage issues or sewer back-up can leave homeowners with a disgusting and damaging event to deal with. Homeowners insurance may leave you with gaps when handling these types of issues and ultimately, with the bill. TGS Insurance can add water/sewer backup coverage that protects against a minimum of $5,000 in damages to help restore and rebuild your home should this peril affect you.


Advantages of Using TGS Insurance for Your Bacliff, TX Home Insurance:


  • TGS Insurance helps our clients by not only saving money but by providing tons of quality coverage options. By having options, our clients have better access to more coverage through our top-rated insurance brands. Using these relationships with our many insurance carriers, we can comparison shop through a variety of providers to gain our clients the most coverage for the least amount of money.


  • From start to finish, TGS Insurance takes care of your insurance needs. We do all the heavy lifting to provide a seamless process to keep you insured for less. We can also cancel all of your existing policies and work with your mortgage company to be sure that everything is in order.


  • Our clients are more than just a policy number. Our agents deliver personalized care year after year to always provide home insurance policies to keep you covered for less. TGS Insurance helps you avoid overpaying for rate increases today and in the future!


Zip Codes in Bacliff, TX That We Insure:


  • 77518

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 Bacliff, 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 Bacliff's Premier Home Insurance Provider

Bacliff neighborhood

Bacliff was established in 1910 and is based in Galveston County. It was formerly known as Clifton-by-the-sea and started off as a waterfront resort town. Bacliff is one of the biggest unincorporated communities and has a population of about 9,000 individuals. TGS Insurance is one of the leading insurance providers to Bacliff residents.

Bacliff neighborhood

At TGS Insurance, we only work with the best insurance carriers, which is why Bacliff residents can always expect a great homeowners insurance policy at a low rate. As an independent agency with thousands of customers, 35+ carriers and exceptional customer service, we win business from Bacliff residents every day.

Key Home Statistics in Bacliff


Total Population in Bacliff, TX


Average Home Value in Bacliff, TX


Median Household Income in Bacliff, TX


Median Age in Bacliff, TX

Trust TGS Insurance in Bacliff

Data as of July 18, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Major Neighborhoods in Bacliff, TX

Image of Bacliff  Neighborhood


Bacliff is right off the coast of the Gulf of Mexico and is surrounded by many local restaurants and shops, hotels, and of course the beach!

Image of Chase Park  Neighborhood

Chase Park

Chase Park is a small neighborhood that is off Hwy 146. It is located near a grocery store, mechanic shop, fast-food restaurants, and it is not too far from the beach.

Image of Baycrest Sub Neighborhood

Baycrest Sub

Baycrest Sub subdivision is a step away from the coast. It is encompassed in local restaurants, venues, favorable educational opportunities and more.

Image of Perkins Beach Neighborhood

Perkins Beach

Perkins Beach is located directly on the coast. There are restaurants, shops, RV resorts, Del Mar Pier Park, and the US Postal Service is right in its backyard.

Image of Bacliff Villas Neighborhood

Bacliff Villas

Bacliff Villas is located right off of Hwy 146. It is near diverse restaurants, various shops, gas stations, and Bayside Community Center.

Image of Edgewater Park Neighborhood

Edgewater Park

Edgewater Park is nestled on the end of the Bacliff border. A 10-minute walk from the beach and is surrounded by restaurants, shops, and Bayshore Park.

Local Home Resources in Bacliff, TX

Fire Departments
Bacliff Volunteer Fire Dept600 Grand Ave
Bacliff, TX 77518
(281) 339-2880