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

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TGS Insurance is Your Trusted Home Insurance Partner in Belton, TX


How Much is Home Insurance in Belton, TX?


Home insurance in Belton, TX costs an average of $1,150 for TGS Insurance Agency customers. While the cost of your home insurance policy can vary based on several factors, including home value and the amount of coverage you need, our premium average is $787 less than the city average of $1,937 per year. To see how much you can be saving, provide your address above for a free, instant quote

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

Below is a comparison of the average home insurance quote provided by TGS Insurance Agency within two of the most common home value ranges for Belton, Texas. Home value is just one of many factors that influences your home insurance premium.

Home ValueAverage Annual Premium (incl. Wind Coverage)

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


The amount you pay for your homeowners insurance in Belton, TX depends on several factors including your home’s characteristics (age of home, building materials, etc.) and carrier risks (you live in a hurricane-prone area), but a primary factor is what and how much coverage you choose. Every home and situation is different, so your insurance agent can help work with you to determine what’s best for you and your family. 


Property or Dwelling Coverage

Property or Dwelling Coverage will pay to repair or rebuild your home if it’s damaged or destroyed by a covered peril to its current value.


Personal Liability Coverage

Personal Liability Coverage will protect you if someone is injured on your property or their property is damaged and you are to blame. When choosing liability coverage limits, take into consideration how much money you make and your assets, such as your home, cars, or any savings you may have. Your personal liability coverage should be high enough to protect all of your assets should you be sued. 


Assistance With Medical Coverage for Others

Medical Coverage covers all medical expenses for guests that are injured on your property and you’re found to be at fault. It’s important to keep in mind that this does not cover members of your household.


Assistance With Additional Living Expenses

If your home becomes inhabitable because of a covered loss, such as a fire, your homeowners insurance policy will pay for additional living expenses such as a hotel room, while the damage is assessed and your home is rebuilt or repaired. 


Personal Property Coverage

Your home is filled with appliances, electronics, furniture, clothing, and other valuable items- both monetarily and sentimentally. Personal property insurance helps replace these items if they are lost, stolen, or destroyed as a result of a covered loss. 


Scheduled Personal Property Coverage For More Expensive Belongings

If you have special or expensive possessions such as jewelry, fine art, antiques, or collectibles you may want to talk to your agent about this supplemental coverage. Scheduled Personal Property Coverage extends protection beyond the standard homeowners insurance policy. 


If You Rent Out Your Home

If you rent out your home, as a landlord you may have the option to buy optional liability coverage for risks posed by the tenant-occupied dwellings. 


Every home is unique and we understand that at TGS Insurance. Talk to one of our agents today to find out how you can get the best price and value on Belton, TX a home insurance policy! 


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


Belton, TX homeowners who bundle their various insurance policies, such as home and auto, can get some serious savings, some as much as 25%! Do you need an umbrella policy? Do you own a boat? Bundling all of these policies can help you save!

Talk to a TGS Insurance agent about all of your insurance policies to see what bundled savings we can find you. 

Zip Codes in Belton, TX That We Insure:


  • 76513

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 Belton, 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 Belton's Premier Home Insurance Provider

Belton neighborhood

Belton, TX is home to the University of Mary-Hardin Baylor, and though it's a college town many Texans call this small-town their forever home. Belton, TX is nestled just between Temple and Salado and offers its residents an abundance of family-friendly activities including local football games, live music, recreational activities on Belton Lake, and shopping at antique stores and boutiques.

Belton neighborhood

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

Key Home Statistics in Belton


Total Population in Belton, TX


Average Home Value in Belton, TX


Median Household Income in Belton, TX


Median Age in Belton, TX

Trust TGS Insurance in Belton

Data as of July 18, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Major Neighborhoods in Belton, TX

Image of Three Creeks Neighborhood

Three Creeks

Three Creeks is a stunning master-planned community on the southwest end of Belton, TX. Residents enjoy beautiful homes and are near Stillhouse Hollow Lake, Overlook Park, and Chalk Ridge Falls Park.

Image of West Canyon Trails Neighborhood

West Canyon Trails

West Canyon Trails is a family-friendly neighborhood with easy access to the U.S. Hwy 190 in Belton, Texas. Residents enjoy a great suburban community while retaining great proximity to downtown amenities.

Image of Circle C Ranch Estates Neighborhood

Circle C Ranch Estates

Circle C Ranch Estates is a stunning neighborhood slightly northwest of downtown Belton, Texas. The community is a perfect mix of Texan suburbia and countryside with an easy commute to Belton Lake.

Image of Dawson Ranch Neighborhood

Dawson Ranch

Dawson Ranch provides a wonderful neighborhood in Belton, TX, with plenty of pristine walking trails which link up with Chisholm Trail Park. Residents also enjoy an easy commute to Belton Lake.

Image of Morgan's Point Resort Neighborhood

Morgan's Point Resort

Morgan's Point Resort is a larger community northeast of Belton, Texas, featuring a mix of homes and neighborhoods. Residents are close to Belton Lake, Cedar Creek, and Lake Belton High School.

Image of Sendero Estates Neighborhood

Sendero Estates

Sendero Estates is a neighborhood close to Hwy 190/I-14 on the west side of Belton, Texas. Here, residents are near Chisholm Trail Elementary and enjoy an easy commute to downtown amenities.

Local Home Resources in Belton, TX

Fire Departments
Bell County Fire Marshall708 W Avenue D
Belton, TX 76513
(254) 933-5589
Belton City - Fire Department- Ambulance BillingBelton City Hall, 333 Water St
Belton, TX 76513
(254) 933-5804
Belton Fire Dept203 S Penelope St
Belton, TX 76513
(254) 933-5828
Belton Fire Dept420 Sparta Rd
Belton, TX 76513
(254) 933-5881
Morgan's Point Resort Vol Fire1462 Morgan's Point Rd
Belton, TX 76513
(254) 780-2022
Police Departments
Bell County SheriffPO Box 749
Belton, TX 76513
Belton Police Dept711 E 2nd Ave
Belton, TX 76513
Belton Police DeptPo Box 120
Belton, TX 76513
Sheriff's-Criminal InvstgtnPO Box 749
Belton, TX 76513