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Comparison Shop Home Insurance in Beaumont, TX from Multiple Carriers in Minutes!

 

Over 56% of homeowners don’t shop their home insurance policy around and therefore are missing out on substantial savings. At TGS Insurance, we automatically shop over 35+ A-rated (or better) home insurance carriers in Beaumont, TX so homeowners always get the best policy at a great rate! 

 

How Much is Home Insurance in Beaumont, TX?

 

The average cost for home insurance in Beaumont is $1,692 for TGS Insurance Agency customers. While every policy is different and dependent on multiple factors, including your home’s value and the type of coverage you get, we have proudly been able to save our Texas customers an average of $870 per year on their home insurance premiums when they switch to us. Finding out how much you can be saving is as easy as providing your address above for an instant quote– really! 

 

Comparing the Average Cost of Homeowners Insurance in Beaumont, TX By Home Value

Below is a comparison of the average home insurance quote from TGS Insurance Agency in Beaumont, by home value. Home value is one of many factors that influences your home insurance rate. Below, home values are rounded to the nearest $25,000 so $100,000 includes homes in the $75,000 to $125,000 range.

Home ValueAverage Annual Premium (incl. Wind Coverage)
$100,000$1,105
$150,000$1,259
$200,000$1,519
$250,000$1,745
$300,000$2,010
$350,000$2,233
$400,000$2,468
$500,000$3,070
$550,000$3,035
$600,000$3,177
$650,000$3,379
$700,000$4,236

How Much is Flood Insurance in Beaumont, TX?

 

The average cost of flood insurance in Texas is around $634 per year but can vary depending on where you live. Beaumont, TX is just outside of Houston where flood insurance policies average around $592 annually. The average Beaumont, TX resident pays $494 per year when they purchase their flood insurance policy through TGS Insurance! 

There are a few factors that determine the price of flood insurance:

  • Where you live
  • The value of your home
  • Flood risk 
  • The amount of your deductible.

 

Are Floodplains Changing in Beaumont?

NOAA Atlas 14 Map with Focus on Beaumont, TX

Beaumont, TX gets an average of about 60 inches of rain per year, with the US average at 38 inches of rain per year. During Hurricane Harvey Beaumont, TX recorded a whopping 104 inches. In 2019, the Beaumont-Port Arthur area recorded 85.49 inches so it should be no surprise that new precipitation maps released by the NOAA have increased the threshold for Beaumont by 4 inches! Based on this new data, there is potential that floodplain maps could require updates to the 100-year floodplain which would likely expand the number of homes with increased home insurance rates from being in a flood plain. 

Regardless of what FEMA decides to do with this new data after further analysis, its important to remember that over 20% of flood insurance claims from Harvey came from those living outside of a flood zone. Beaumont is prone to natural weather disasters such as tropical storms and hurricanes, so it’s always a safe bet that regardless of whether you live outside of a flood zone, you should always consider a flood insurance policy.

Additional Coverages for Your Beaumont, TX Home Insurance Policy 

 

Windstorm Insurance: Beaumont homeowners are no strangers to intense windstorms and know all too well the destruction they can bring. This policy covers the physical harm to your home as well as your personal property in the event a tornado, hurricane, or tropical storm hits your area. Typically, windstorm insurance policies are purchased as a separate add-on type of coverage. 

 

The TGS Difference: We believe you should be covered for any event, and that includes windstorms. We always include windstorm coverage to all of our standard Beaumont homeowners insurance policies with a 2% windstorm/hail deductible. We can simply add or remove windstorm coverage based on your insurance needs. 

 

Hailstorm Insurance: Texas is ranked #1 for the largest number of hail damage between the years of 2017-2019. Depending on your homeowners insurance policy, hail damage might not always be included because of how close Beaumont is to the Texas coast. 

 

The TGS Difference: To guarantee you’re fully protected, we automatically write-in hail protection as part of your standard Beaumont home insurance policy, with a 2% hail/windstorm deductible that can be customized for your preference.

 

Flood Insurance: Beaumont, TX is only 16.4 feet above sea level and homeowners in Beaumont, TX should seriously consider purchasing a flood insurance policy. Contrary to popular belief, damage caused by a flood is not covered by homeowners insurance. Flood insurance will protect your home and personal belongings from rising waters due to a hurricane, tropical storm, or heavy rainfall. 

 

The TGS Difference: We shop your flood insurance rates through FEMA and other private insurers so you always get the best flood insurance rate available. 

 

Bundle and Save Even More on Your Beaumont, TX Homeowners Insurance!

 

Bundling your homeowners insurance with your auto insurance policy is an easy way to rack up additional savings on your insurance policies. When you purchase two policies from the same carrier, customers can save anywhere from 5% to 25% per year on their premiums! 

 

At TGS Insurance, we make it easy to bundle your home and auto policies in Beaumont, TX. We work closely with 35+ highly-rated insurance providers to make sure you are getting the best bundling options with the most coverage at the best price! 

 

Zip Codes in Beaumont, TX That We Insure:

7770177702777037770477705
7770677707777087770977710
77713777207772577726
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 Beaumont, TX

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Maison Logo
Lighthouse Logo
Anchor Logo
 State Auto Logo
ASI Logo
The Hartford Logo
Foremost Logo
Empower Logo
TWIA Logo
National Lloyds's Logo
Liberty Specialty Logo

TGS Insurance is Beaumont's Premier Home Insurance Provider

Beaumont neighborhood

Beaumont is located in southeast Texas and resides near the Gulf of Mexico. Beaumont is home to the Spindletop, which is the biggest oil discovery that completely changed Texas into a dominant producer of oil. TGS Insurance is one of Beaumont’s biggest agencies for home insurance.

Beaumont neighborhood

Beaumont homeowners all want an exceptional homeowners policy at a great rate. At TGS Insurance, we shop your insurance with 35+ carriers to find Beaumont residents the best policy. As a locally owned agency with thousands of customers, great customer service and extensive knowledge- we win business from Beaumont residents every day.

Key Home Statistics in Beaumont

116,825

Total Population in Beaumont, TX

$130,613

Average Home Value in Beaumont, TX

$50,632

Median Household Income in Beaumont, TX

34

Median Age in Beaumont, TX

Trust TGS Insurance in Beaumont

Data as of October 25, 2021

15,000

Total
Customers

$4.27B

Total Assets Covered Projected

13,700

Total Homes Insured

5,200

Total Vehicles Insured

Major Neighborhoods in Beaumont, TX

Image of Oaks Historic District Neighborhood

Oaks Historic District

The Oaks Historic District is the biggest historic district in Texas. The neighborhood is right off of I10 and is surrounded by a variety of local businesses.

Image of Zummo Neighborhood

Zummo

Zummo is on the southeast side of Beaumont. It is located near Lamar University, Spindletop-Gladys City Boomtown Museum as well as various restaurants, and shops.

Image of West Oakland Neighborhood

West Oakland

West Oakland is near Interstate 10 and Washington Blvd. Beaumont United High school is located in the heart of the city along with various churches, stores, and local restaurants.

Image of Caldwood Acres Neighborhood

Caldwood Acres

Caldwood Acres is on the corner of Interstate 10 and Hwy 90. Around the area is a multipurpose athletic complex, movie theater, St. Elizabeth Hospital, HEB and Sam’s Club.

Image of Lumberton Neighborhood

Lumberton

Lumberton is well-known for Village Creek State Park where tourists from all over come to visit. It also has various trails and parks that are perfect for outdoor lovers.

Image of Amelia Neighborhood

Amelia

Amelia is adjacent to South Major Drive and Highway 90. Activities around the area is Gulf Terrace Hike and Bike Trail, Perlstein Park, and Cris Quinn Soccer Complex.

Local Home Resources in Beaumont, TX

Fire Departments
Beaumont Fire Marshall400 Walnut St
Beaumont, TX 77701
(409) 880-3901
Police Departments
Beaumont City Police Dept255 College St
Beaumont, TX 77726
4098321234
Beaumont Police Dept255 College St
Beaumont, TX 77726
4098321234
Beaumont Police Dept6155 Eastex Fwy
Beaumont, TX 77706
4098920260
Highway Patrol7200 Eastex Fwy
Beaumont, TX 77726
4099245400
Highway Patrol7200 Eastex Fwy
Beaumont, TX 77708
4099245400
Jefferson County SheriffPO Box 2950
Beaumont, TX 77726
4098358411
Police Department Training255 College St
Beaumont, TX 77701
4098803812
Police Dept Detective Div255 College St
Beaumont, TX 77726
4098803830
Police Dept Detective Div255 College St
Beaumont, TX 77701
4098803830
Police Dept Training255 College St
Beaumont, TX 77726
4098803812
Police Dept Training & Personl255 College St
Beaumont, TX 77726
4098803873
Port Arthur Police-jail5030 Highway 69 S
Beaumont, TX 77726
4098392311
Sheriff Department Cid1001 Pearl St
Beaumont, TX 77701
4098358419