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


How Much Does Bryan, TX Homeowners Insurance Cost? 

Homeowners insurance is tailored to you and your home’s specifications. It is likely to be different from anyone else’s because it’s unique to you and your needs. That being said, let’s look at average annual home insurance premiums:

  • National average1: $2,305
  • Texas average1: $3,429
  • Bryan, TX average: $1,530

*The average TGS Insurance customer saves $870 a year on their home insurance!

While your home insurance rates can differ from the averages, it doesn’t hurt to compare. It can help to see where your home premiums lie and if there are factors you can change. Every carrier looks at specific criteria when determining your insurance cost. Some elements are outside of your control, while you can improve others. Let’s look at what the carrier rating factors include:

  • Weather (is your area prone to any natural disasters such as hurricanes or tornados?)
  • Local crime rates
  • Your claims history
  • The coverages you select 
  • Your credit score
  • The year, construction type, and square footage of your home
  • If you qualify for any discounts

An independent agent with TGS Insurance can help narrow down your home coverage search by running quotes with 35+ A-rated carriers at once! This will ensure you’re getting the best pricing and insurance without all the hassle.

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


Windstorm/Hail Coverage is a critical coverage in Bryan, TX. Homeowners insurance policies help protect you against the damage brought from extreme wind and hail events. 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. 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!


Common Home Insurance Questions from Our Customers in Bryan


Is foundation repair covered under homeowners insurance?


Foundation repair is covered by your homeowners insurance but it depends on the cause of the damage. For instance, if you have a foundation that is damaged from a fire, you’ll likely find that you are protected whereas damage from a flood will most likely mean you’ll need a flood insurance policy to stay protected. To learn more about if your home is covered, speak with your insurance agent to better understand your individual home insurance policy.


Are fires covered by home insurance?


Yes, fires, one of the more costly events a homeowner may contend with, are covered by your home insurance policy. Though rare, fires are possibly the most extreme reason home insurance is so important, even for homes that are paid off. We always recommend having a proper home insurance policy to remain protected from such events.


Will homeowners insurance cover water damage?


Flooding is not covered by your homeowners insurance, however, if the damage is from a sudden, covered peril, water damage will be covered. An example of this would be rain entering your home from a roof damaged during a windstorm. Water damage caused by routine wear and tear is also not covered by your homeowners insurance.


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

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Anchor Logo
 State Auto Logo
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National Lloyds's Logo
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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 August 02, 2021




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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