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How Much Does Brownsville, TX Homeowners Insurance Cost?

The average cost for homeowners insurance in Brownsville, TX is about $1,937 each year. At TGS Insurance, our Brownsville, TX customers pay an average of $1,591 for their home insurance, which means they are saving an average of $346 annually!
 

What Will A Standard Brownsville, TX Homeowners Insurance Policy Cover?

When purchasing home insurance it’s important that you fully understand your policy and what coverages you do and don’t have. Home insurance carriers are very specific in their policies under which perils they will reimburse you for should you suffer any loss. This is why it’s imperative to understand what your home insurance policy covers so you aren’t left surprised should a disaster strike. So for example, if an earthquake caused part of your home to collapse, you can only get reimbursed for the damage if your policy explicitly includes earthquake coverage. Let’s take a closer look at some of the most common home insurance coverages below:

Coverage A – Dwelling

Covers damages to a home and any structures attached to the home, as well as damage to plumbing, wiring, heating, and permanent air-conditioning systems.

Coverage B – Other Structures

Other Structures coverage protects any structures that are not connected to the home. This includes free-standing sheds, fences, guest homes, and detached garages.

Coverage C – Personal Property

Personal Property coverage reimburses homeowners for the value of damaged, lost, or stolen belongings, including furniture, clothing, computers, and other electronics. 

Coverage D – Loss of Use

In the event that your home sustains damage by a covered event and the home repairs prevent you from living in your home, Loss of Use coverage will cover your living expenses, such as hotel stays, for the duration of the repair process.

Coverage E – Personal Liability

If you’re sued and found responsible, Personal Liability Coverage would pay for the claims for a visitor’s injuries or property damage to a neighbor’s property up to your coverage limit.

Coverage F – Medical Payments to Others

This coverage helps to take care of medical expenses when a guest has sustained an injury while on your property. It is important to note that a medical payments claim can not be filed for anyone who lives on the property. 

At TGS Insurance Agency, our independent agents are dedicated to working with you to build an insurance policy that is tailored to your specific needs- including helping you determine what level of each type of coverage you need to be fully protected.
 

Common Additional Home Coverages in Brownsville, TX

Flood Insurance: Flood insurance protects your home and personal belongings from damages caused by rising waters from tropical storms, hurricanes, or heavy rainfall. Water damage due to a flood is not covered by your standard homeowners insurance policy and the only way to ensure you are protected from flood damage is to purchase a flood insurance policy. The average cost for flood insurance in Texas is about $634 per year, but that price can fluctuate depending on where you live. At TGS Insurance, we shop your flood insurance policy through our bank of government and private carriers to find you a low rate so you can stay protected at a great price without compromising on coverage.

Hail/Windstorm Coverage: Brownsville, TX is located just along the Gulf of Mexico, and homeowners in this area are all too familiar with the damaging and destructive weather that can batter the Texas coastline, especially wind and hail. It’s important for Brownsville, TX residents to have the proper hail/windstorm protection from events such as tropical storms, hurricanes, and even severe thunderstorms in your home insurance policy, so you’re not left paying for hefty repair bills out-of-pocket. At TGS Insurance we believe in providing you with the right protection so that is why we include a 2% hail/wind deductible into every policy we write!.

Umbrella Insurance: Umbrella insurance is an extra layer of financial protection to protect your assets from a lawsuit should your worth exceed your home insurance liability limits. This insurance offers a wide range of coverage for claims such as injuries, lawsuits, property damage, and personal liability situations. On average, umbrella insurance can cost anywhere between $150-$350 per year for $1 million in coverage and an additional $100 per million after.
 

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

When you bundle your insurance policies together, it opens the door for so many discounts! You can save substantially when you bundle your home and auto policies together, with some as much as 16%. Do you need mold/fungi coverage? Is your boat protected by your home policy? Talk to your agent about your other insurance needs for bundling opportunities!
 

Zip Codes in Brownsville, TX That We Insure:

78520785237857587330
78521785267857887448
785227856678586

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 Brownsville, TX

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Anchor Logo
 State Auto Logo
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TGS Insurance is Brownsville's Premier Home Insurance Provider

Brownsville neighborhood

Brownsville is located in the most southern part of Texas just along the Mexico border. This historic city is home to some of the most important events in Texas history, including the Battle of Palo Alto and the final battle of the Civil War at Palmito Ranch. Brownsville, TX is a hub of culture, tourism, and transportation, and two of its biggest attractions are the Palo Alto Battlefield National Historic Park and the Mitte Cultural District. It's easy to see why so many Texans call this colorful and vibrant city home!

Brownsville neighborhood

Homeowners in Brownsville, TX all want an exceptional homeowners policy at a great rate. At TGS Insurance, we shop your insurance from 35+ carriers to find the best policy for Brownsville, TX residents. As an independent agency with thousands of customers throughout Texas, our great customer service and extensive industry knowledge wins us business from Brownsville, TX homeowners every day!

Key Home Statistics in Brownsville

182,781

Total Population in Brownsville, TX

$124,651

Average Home Value in Brownsville, TX

$38,588

Median Household Income in Brownsville, TX

31

Median Age in Brownsville, TX

Trust TGS Insurance in Brownsville

Data as of August 02, 2021

15,000

Total
Customers

$4.27B

Total Assets Covered Projected

13,700

Total Homes Insured

5,200

Total Vehicles Insured

Major Neighborhoods in Brownsville, TX

Image of Southmost Neighborhood

Southmost

Enjoy the Rio Grande, shop, eat, participated in recreational activities at multiple parks, and do much more in Southmost. A great area with many subdivisions that provide a variety of settings for its residents to reside in.

Image of Mitte Cultural Center Neighborhood

Mitte Cultural Center

The Mittle Cultural Center is an eclectic neighborhood featuring a zoo, parks, some of the hottest restaurants, the Sams Memorial Stadium, and much more. Residents within its limits can enjoy entertainment, recreation, shopping, and various modern amenities.

Image of Jaime Lake Colonia Neighborhood

Jaime Lake Colonia

Jaime Lake Colonia is a suburbian neighborhood located south of the Brownsville-South Padre Island International Airport. Many shops and restaurants are only a few minutes away to the delight of its residents.

Local Home Resources in Brownsville, TX

Fire Departments
Brownsville Central Fire Sta1010 E Adams St
Brownsville, TX 78520
(956) 546-4674
Brownsville City - Fire Department- Emergency Medical Service Collect1150 E Adams St
Brownsville, TX 78520
(956) 541-9491
Brownsville City - Fire Department- Fire Prevention Division1001 E Elizabeth St
Brownsville, TX 78520
(956) 548-6075
Brownsville Fire Department Station III2 Hortencia Blvd, #8thh
Brownsville, TX 78521
(956) 541-3681
Brownsville Fire Dept625 E 12th St
Brownsville, TX 78520
(956) 541-8381
Brownsville Fire Dept Sta III814 Hortencia Blvd
Brownsville, TX 78521
(956) 541-3681
City Of Brownsville Fire Dept60 S Vermillion Ave
Brownsville, TX 78521
(956) 544-1868
Police Departments
Brownsville Police Dept1763 US Highway 281
Brownsville, TX 78526
9565487011
Brownsville Police Dept1763 Us Highway 281
Brownsville, TX 78520
9565487011
brownsville police dept2900 SOUTHMOST RD
BROWNSVILLE, TX 78521-4787
9565487044
Brownsville Police DeptPO Box 911
Brownsville, TX 78526
9565487050