Save On Home Insurance in Bayou Vista, TX | TGS Insurance Agency

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Bayou Vista, TX

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Homeowners Insurance  »  Texas  »  

Bayou Vista

Bayou Vista Home Insurance Made Simple with Hassle-Free, Accurate Quotes!


How Much is Home Insurance in Bayou Vista,TX?


Homeowners insurance in Bayou Vista, TX is about $1,241 each year. Our Texas homeowner saves an average of $870 per year when they shop for coverage with TGS Insurance! 


Calculating Premiums for Home Insurance in Bayou Vista, TX


Insurance providers estimate your premium by determining how much risk they’ll take on before insuring your home. They take into consideration the regional and property factors to calculate how much your homeowners insurance premium will be. Let’s take a closer look at the details insurance providers look for.


Regional-Specific Factors:

  • Location- The location of your home is a major determining factor in your premium rates. Areas located near a coastline or have high rates of crime tend to have more expensive premiums because these areas are more likely to file a claim.


Property-Specific Factors:

  • The Condition of Your Home- How old your home is, the square footage, and the materials it was made out of can either increase or decrease your rates. Houses that are older or built from wood tend to be more of a risk to insure versus newer homes built from brick. 
  • Specific Details About Your Home- The piping, heating/cooling, roof condition, and other various factors determine your premium rates. If your home is older and has the original piping, your premium might be higher because it is more of a risk to insure an older piping system.


Ways You Can Control Your Premium

  • The Amount of Coverage You Want- Usually, if you are seeking more coverage, then the more you’ll have to pay. But at TGS Insurance we strive to find you the most affordable coverage!
  • Credit Score- Having a poor credit score could result in having a higher premium because insurance providers take on the risk of you missing a payment or not paying your premium at all. In contrast, if you have a high credit score you may qualify for a discount or even a lower premium.
  • Increase Your Deductible- A deductible is a price you pay out of pocket before the insurance provider pays any expenses. If you increase your deductible, you tend to have a lower price in your premium.
  • Installing Home Security- Going the extra mile by installing an alarm system, surveillance cameras, or motion-sensor lights lessens the chance of someone breaking into your home. Insurance providers view this as less of a risk, so your premiums tend to be lower.


Understanding Your Insurance Coverage is Crucial! 


We want you to feel confident reading your homeowners insurance policy, which is why we’ve included a short video explaining everything you need to know about homeowners insurance! 


Popular Additional Home Coverages in Bayou Vista:


Flood Insurance: Flood insurance coverage is a policy every Bayou Vista, TX homeowner should have. Because Bayou Vista, TX is right on the Texas coastline, homes are at a higher risk of flooding because of tropical storms or hurricanes. And contrary to popular belief, flood damage is not covered by homeowners insurance. A flood insurance policy will protect your home and personal belongings from water damage due to a flood. One great benefit when switching to TGS Insurance is that we offer policies through both FEMA and other private insurance providers. The average policy can cost $634 per year but will vary depending on where you live!


Windstorm and Hail Coverage: Bayou Vista, TX homeowners know all too well the destruction that comes with wind and hail storms. The standard homeowners insurance policy only covers windstorm loss to a certain extent and windstorm insurance guarantees the items you value most will be protected. At TGS Insurance, we include a 2% hail/windstorm deductible into every policy we write. 


Water Backup: Water backup accidents happen more often than you think. A water backup policy add-on helps protect your home and personal belongings when unexpected damages from sewage line backup, backed-up drain, or sump pump accidents occur. Water backup coverage also protects your home if the water damage leads to mold damage. The average price for water backup coverage is anywhere from $50 to $250 a year, depending on how much coverage you want, with protection starting at $5,000.


Common Home Insurance Questions from Our Customers in Bayou Vista


Are appliances considered personal property with homeowners insurance?

Since appliances are usually considered personal property, the standard homeowners insurance policy will protect your appliances from fire, wind, hail, falling objects, and other listed perils. Homeowners insurance will not cover general wear and tear. 

How much will a security system lower my homeowners insurance?

Installing a home security system in your home can reduce your homeowners insurance policy by 20%. This is because it lowers the chance of you having to file a claim for vandalism or theft. Be sure to talk to your insurance agent about what discounts are available to you! 

Are homeowners insurance rates going up?

Yes, home insurance premiums are on the rise due to the increase in natural disasters such as hurricanes and wildfires as well as increased construction costs. ValuePenguin estimates that policy premiums have risen as much as 59% within the last 10 years.


Our Featured Agents Are Ready to Help You With Your Bayou Vista Homeowners Insurance:


At TGS Insurance, we don’t believe homeowners should have to sacrifice great homeowners insurance for an affordable rate and vice versa. We work with over 35+ A-rated carriers to find you the best policy possible at a rate that works for your budget. We work for you, not the insurance carrier! We’ll even handle everything from A to Z, from enrollment to canceling existing policies and even working with your mortgage carrier.

Home Insurance Carriers in Bayou Vista, 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 Bayou Vista's Premier Home Insurance Provider

Bayou Vista neighborhood

Bayou Vista is a seaside community that is uniquely built along 12 canals. Bayou Vista contains an average of 2,000 residents who have the luxury of being able to connect with the wildlife that surrounds their homes. TGS Insurance is a popular home insurance provider among Bayou Vista residents.

Bayou Vista neighborhood

At TGS Insurance, we only work with the best insurance carriers, which is why Bayou Vista 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 Bayou Vista residents every day.

Key Home Statistics in Bayou Vista


Total Population in Bayou Vista, TX


Average Home Value in Bayou Vista, TX


Median Household Income in Bayou Vista, TX


Median Age in Bayou Vista, TX

Trust TGS Insurance in Bayou Vista

Data as of July 18, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Major Neighborhoods in Bayou Vista, TX

Image of Bayou Ridge Sub Neighborhood

Bayou Ridge Sub

Bayou Ridge subdivision is located just outside the inner loop nestled along highway 290. Residents are a seemingly quick drive from Houston Heights, home to many of Houston's top restaurants and eateries. Residents are also close to one of Houston's top shopping spots, The Galleria.

Image of Beau Veau Sites Neighborhood

Beau Veau Sites

Beau Veau Sites is located in Galveston county right along the Texas coast. It's home to many local seafood restaurants, entertainment venues, shopping and more.

Image of Garden Terrace Neighborhood

Garden Terrace

Garden Terrace is located just off Beltway 6 close to the Texas coast in Galveston. It's a cozy, well-established community home to many local eateries, wineries, and fishing attractions.

Image of Hitchcock East Neighborhood

Hitchcock East

Hitchcock East is located in south Texas near Galveston. The seaside neighborhood is surrounded by beach-driven activities, seafood eateries and more.

Image of Meadowbrook Neighborhood


Meadowbrook is located along the I45 corridor near Pasadena in south Houston. Meadowbrook is a wonderful neighborhood located just south of downtown, and a quick drive from the Texas coast.

Image of Oak Ridge Neighborhood

Oak Ridge

Oak Ridge neighborhood is located in between Beltway 6 and the Gulf Freeway. The seaside community is nestled just north of Bayou Vista.