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Cedar Hill, TX

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How Much Does Cedar Hill, TX Homeowners Insurance Cost?


Cedar Hill, TX homeowners pay an average of $1,937 per year for their homeowners insurance. TGS Insurance customers in the area pay $1,829 per year, which means an annual savings of $108 per year, with some saving substantially more!


Calculating Premiums for Home Insurance in Cedar Hill, TX 


Your home insurance premium is calculated based on how much risk your insurer is taking on to insure your home. The higher the risk, the higher your insurance premium will likely be. 


One of the first things most insurance carriers look at are property-specific factors such as the size and age of your home and any add-ons such as a swimming pool. Insurers also look at regional factors such as average home value in your neighborhood, crime rates, and common weather perils, such as an area that is hurricane or tornado-prone. 


If your home is located on a flood plain or deemed a high-risk flood zone, you’ll have to pay a higher insurance premium than a home that matches all your demos in a different area. The same logic follows for a home located in a high-crime rate area, expect to pay higher premiums. 


Homeowners aren’t left with no options though, there are a few ways you can get discounts on your home insurance premium. If you’ve got a high credit score, that will allow you a discounted rate! Some carriers offer discounts for installing a security system, surveillance cameras, and motion-sensor lights.  


Additional Coverages Recommended for Homes in Cedar Hill:


Windstorm and Hail Coverage: North Texas averages about 25 tornadoes per year and each storm can bring devastating and costly wind and hail damage. In fact, the risk of tornadoes in Cedar Hill, TX is higher than the Texas average. With that in mind, with every homeowners insurance policy we issue in Cedar Hill, TX, we automatically write-in a 2% wind/hail deductible so you always have peace-of-mind knowing you’re protected for the unexpected.


Water Backup: Water damage as the result of a clogged sewer line or backed-up drain is a costly repair to fix- and usually isn’t covered by a standard homeowners insurance policy. A water backup policy add-on is anywhere between $50-$250 per year (depending on your coverage) and can offer financial backing starting at $5,000 up to $25,000. This add-on would help provide financial assistance should your home take on damage because of a water backup issue.


Umbrella policies: Most homeowners insurance policies offer an average liability limit of $250,000 on a policy, with some going up to $500,000. If you’re looking for more financial protection in the event you get sued and the claim exceeds your home, auto, or watercraft policy, an umbrella policy would step in to help make up the difference. If you’re looking for a way to protect the things you worked hard for, an umbrella policy is a must.


The Benefits of Using TGS Insurance Agency:


  • Saving on homeowners insurance has never been easier than with TGS Insurance. We’ll shop and compare your policy across 35+ A-rated carriers to find you a policy that fits both your budget and needs.


  • Our services don’t stop at just finding you a great homeowners insurance policy, we’ll help complete the enrollment process and even work with your mortgage provider to get everything buttoned up as seamlessly as possible. 


  • As long as you’re a client of TGS Insurance, you’ll always save on homeowners insurance year after year. You’ll have a dedicated agent to service your every account need and we’ll monitor your policy for rate changes and if it were to increase, we’ll shop your policy again to find you the best deal without losing coverage. 


Zip Codes in Cedar Hill, 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 Cedar Hill, TX

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TGS Insurance is Cedar Hill's Premier Home Insurance Provider

Cedar Hill neighborhood

Cedar Hill, Texas is located in the gorgeous hill country of Joe Pool Lake. It is the perfect combination for individuals who want urban amenities with a small-town setting. The city offers a wonderful quality of life in all aspects. TGS Insurance Agency is honored to be one of the leading home insurance providers for Cedar Hill natives.

Cedar Hill neighborhood

TGS Insurance provides home insurance in Cedar Hill from dozens of different carriers. Cedar Hill 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 Cedar Hill residents every single day.

Key Home Statistics in Cedar Hill


Total Population in Cedar Hill, TX


Average Home Value in Cedar Hill, TX


Median Household Income in Cedar Hill, TX


Median Age in Cedar Hill, TX

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Data as of October 20, 2021




Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Major Neighborhoods in Cedar Hill, TX

Image of Windsor Park  Neighborhood

Windsor Park

Windsor Park subdivision is located on South Joe Wilson Road. The neighborhood features Windsor Park that includes a playground, picnic areas, and a walking trail.

Image of Lake Ridge Neighborhood

Lake Ridge

Lake Ridge is a community that combines country living with resort-style amenities. The neighborhood includes sports fields, a stocked pond, and a golf course.

Image of Bear Creek Ranch Neighborhood

Bear Creek Ranch

Bear Creek Ranch is a master-planned community with easy access to major highways. The neighborhood includes a playground and park with walking trails.

Image of High Pointe  Neighborhood

High Pointe

High Pointe is a beautifully well-established community. The neighborhood is near Joe Pool Lake, as well as a variety of parks and hiking trails.

Image of Highlands Neighborhood


Highlands is nestled between East Belt Line Road. Near the neighborhood is Virginia Weaver Park, Little Creek Bike Path, and Ellen’s Amusement Center.

Image of Waterford Oaks Neighborhood

Waterford Oaks

Waterford Oaks is a charming subdivision that includes established landscapes, forest greenbelt, a dazzling pond, a breathtaking bridge, and a walking path.

Local Home Resources in Cedar Hill, TX

Fire Departments
Cedar Hill City - Fire Department502 Cedar St
Cedar Hill, TX 75104
(972) 291-1011
Cedar Hill Fire Dept1098 S Clark Rd
Cedar Hill, TX 75104
(972) 291-5334
Cedar Hill Fire Dept1430 High Pointe Ln
Cedar Hill, TX 75104
(972) 291-5337
Cedar Hill Fire Dept1212 W Belt Line Rd
Cedar Hill, TX 75104
(972) 291-1011
Police Departments
Cedar Hill Police Dept601 E Belt Line Rd
Cedar Hill, TX 75106
Cedar Hill Police Storefront108 W Belt Line Rd # 9
Cedar Hill, TX 75104