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

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Stop Overpaying for Your Home Insurance in Bryan, Texas


How Much Does Bryan Homeowners Insurance Cost? 

The average cost of home insurance in Bryan, TX is $1,256 per year among TGS Insurance Agency customers which is $402 cheaper than the area’s average of $1,658. Our independent agents work to build a policy to meet your coverage needs then shops it across several a-rated (or better) carriers to assure you get the best rates. To see how much you could be saving, provide your address above for a free instant quote!

Comparing Bryan Home Insurance Quotes by Home Value

One factor that influences the amount of coverage you need is the value of your home. Typically, the higher the cost to rebuild your home as it currently is, the higher your premium will be. Below is a comparison of the average home insurance quote from TGS Insurance Agency in Bryan by home value. Home values are rounded to the nearest $25,000 so $300,000 includes homes in the $275,000 to $325,000 range, etc.

Home ValueAverage Annual Premium (incl. Wind Coverage)

Factors That Affect Home Insurance Costs in Bryan, Texas

There are several factors that influence the cost of your home insurance- some are personal factors specific to you and other are specific to your home and its location. The list of potential factors being assessed is lengthy and varies by carrier but some of the most common factors that impact your home insurance premium are:

  1. Weather in your area (is your area prone to any natural disasters such as hurricanes or tornados?)
  2. Local crime rates
  3. Distance to nearest firehouse
  4. Distance to the nearest body of water
  5. Your claims history
  6. Your credit score
  7. The replacement cost of your home
  8. The age and condition of your roof
  9. The presence of a pool or trampoline on your property
  10. The coverages you select
  11. Your discount eligibility

The use of a unique formula is why premiums vary from carrier to carrier and why it is so important to shop around to make sure you are getting the best rate for the coverage you need!

Common Homeowners Insurance Endorsements in Bryan, TX


Jewelry, Fine Arts & Collectibles Coverage


This coverage picks up where your home insurance coverage leaves off. If you are looking to insure jewelry or other collectibles, most home insurance policies will have a set limit, typically $2,500, to protect such valuables. For pieces or collections that require larger coverage limits, you may be at risk without the proper additional coverage to protect your possessions. TGS Insurance provides our clients with home coverage options that are designed to cover higher valued items.


Umbrella Coverage 


Umbrella Coverage helps protect you against liability claims which may be beyond your initial home insurance coverage. As costs continue to rise, there is more and more incentive to purchase additional coverage and to remain protected. Umbrella coverage helps homeowners protect against liabilities that are beyond normal claim limits.


Windstorm and Hail Coverage


Considering that homeowners in Bryan, TX are exposed to severe thunderstorms which can produce tornadoes and hail as well as the remnants of hurricanes and tropical storms, this is a critical coverage for the area. TGS Insurance understands the importance of these policies and automatically writes in this protection with a 2% deductible for our clients. With TGS Insurance, your policy can be customized to fit your needs- it’s customizable home insurance built for you!

Zip Codes in Bryan, TX That We Insure:


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 Bryan, 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 Bryan's Premier Home Insurance Provider

Bryan neighborhood

Bryan, Texas is located northwest of Houston and nestled in the heart of the Brazos Valley. The city embodies an “Old Western” atmosphere with a modern twist. Bryan, TX takes pride in its history and is filled with a variety of attractions, such as art, music, shopping, and restaurants.

Bryan neighborhood

TGS Insurance provides home insurance in Bryan, TX from dozens of different carriers. Bryan, TX customers all want the same thing - the best home insurance policy at the lowest price. As an independent company with thousands of customers, 35+ carriers, and amazing customer service, we win business from Bryan, TX residents every single day!

Key Home Statistics in Bryan


Total Population in Bryan, TX


Average Home Value in Bryan, TX


Median Household Income in Bryan, TX


Median Age in Bryan, TX

Trust TGS Insurance in Bryan

Data as of April 24, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Major Neighborhoods in Bryan, TX

Image of Austin Colony Neighborhood

Austin Colony

Austin Colony is a neighborhood located near Highway 6 and FM 158. The community includes a park, tennis and basketball courts, playground, disc golf course, archery range, and much more.

Image of Miramont Neighborhood


Miramont is a community that features a massive country club with a golf course, resort-style swimming pool, tennis courts, guest suites, and family-friendly events.

Image of Wheeler Ridge Neighborhood

Wheeler Ridge

Wheeler Ridge is a neighborhood that provides easy access to Highway 6. The community is near Tiffany Park, which features a splash pad, a soccer field, tennis courts, and playgrounds.

Image of Briarcrest Estates Neighborhood

Briarcrest Estates

Shaded by hundreds of mature oak trees, is the well-established community of Briarcrest Estates. The neighborhood features a golf course, tennis courts, and its own bar & grill.

Image of Beverly Estates Neighborhood

Beverly Estates

Beverly Estates lies on the border of Bryan and College Station. The community is near five different parks that offer hike and bike trails for every outdoor lover to enjoy.

Image of Allen Forest Neighborhood

Allen Forest

Allen Forest is a large neighborhood found along Highway 6. The community is near various parks, shopping, and lifestyle essentials such as historic downtown Bryan.

Local Home Resources in Bryan, TX

Fire Departments
Brazos County Precinct Four Fire Departments2595 Old San Antonio Rd
Bryan, TX 77807
(979) 778-5511
Brazos County Volunteer Fire7231 Mesco Dr
Bryan, TX 77808
(979) 776-6430
Bryan City - Fire and Ambulance- Fire Services Administration3030 E 29th St, #116
Bryan, TX 77802
(979) 209-5970
Bryan Fire Dept300 W Wm J Bryan Pky
Bryan, TX 77803
(979) 209-5970
Precinct 4 Fire Dept3098 Fazzino Ln
Bryan, TX 77807
(979) 775-0194
Police Departments
Brazos County Sheriff300 E 26th St
Bryan, TX 77808
Highway Patrol2571 N Earl Rudder Fwy
Bryan, TX 77803