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How Much Does China, TX Homeowners Insurance Cost?

The average cost for homeowners insurance in China, TX is around $1,173 per year. At TGS Insurance, our average customer saves around $870 per year, with some saving substantially more!

What Additional Coverages Are Available to Homeowners in China,TX?


Every Texan knows our state’s weather can be a bit wild and unpredictable and depending on where you live, there are a few additional coverage add-ons you may want to consider tacking on to your homeowners insurance policy for full protection against any disaster. Your basic homeowners insurance will cover common perils such as hail, fire, theft, and vandalism but let’s take a look at some add-ons you may want to look into. 


China, TX is located several miles inland from the Gulf of Mexico and gets around 60 inches of rain per year, a whopping 22 inches above the Texas state average. This is largely due to the number of hurricanes, tropical storms, and heavy rainstorms that hit the Texas coastline. Because of the sheer amount of rain, China, TX homeowners should consider purchasing a flood insurance policy to protect their homes and belongings financially from flood damage. Flood damage is not covered by your homeowners insurance policy and the average Texas flood claim in 2018 was $42,580, so without a flood policy, you’re left on the hook to pay for it. The average flood insurance policy in Texas costs around $634 per year and can vary depending on where you live. It’s a small price to pay for peace-of-mind. 


Should your home take on water damage due to a flood, you’ll be covered with a flood insurance policy. But what happens if your home gets damaged due to a sewer or drainage backup? Unless you’ve got a water backup add-on to your homeowners insurance policy, you’ll be on the hook for any damages incurred. This add-on can cost anywhere between $50-$250 annually depending on your coverage limits and risks. Water backup coverage can start at $5,000 and go all the way up to $25,000. 


Houston and its surrounding cities are often battered with wind and hail damage from hurricanes, tropical storms, tornadoes, or even just severe thunderstorms. To ensure our clients are protected from all the elements, we automatically include a 2% wind/hail deductible into every home insurance policy we write! We can customize this coverage based on your personal preference. 


At TGS Insurance, We’ll Find the Right Homeowners Insurance Coverage to Meet Your Needs


We know homeowners insurance can be a bit confusing and we want to help make it easier to understand. Check out the video below breaking down everything you need to know about homeowners insurance!


Common Home Insurance Questions from Our Customers in Your Area


Does homeowners cover lost jewelry?

A standard homeowners insurance policy will not cover lost jewelry. However, if jewelry covered under “schedule personal property” is usually covered in the event your jewelry becomes lost. Additionally, jewelry protection insurance will also cover lost jewelry.


Are fires covered by home insurance?

Yes, fires are usually covered by home insurance if deemed accidental. However, your home insurance will not cover fires if they were intentional or could have been prevented.


Can you change homeowners insurance at any time?

Yes, you can change your homeowners insurance at any time, however, you’ll want to check with your insurance provider to ensure you won’t take on any fees or extra charges if you cancel your policy early.

Our Local, Independent Agents Are Ready to Help You With Your China, TX Homeowners Insurance:


TGS Insurance is ready to provide China, TX homeowners with a seamless home insurance shopping experience from start to finish. Our team strives to always provide an excellent homeowners insurance policy that doesn’t skimp on coverage at an affordable rate. We don’t think you should sacrifice protection for savings and vice versa- at TGS Insurance you can have both!

Zip Codes in China, TX That We Insure:


  • 77613

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 China, TX

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TGS Insurance is China's Premier Home Insurance Provider

China neighborhood

China, Texas was established in 1893 and is located in Jefferson County. The town thrives off of rice farming and oil fields. China used to be called “China Grove” and received its name from chinaberry trees. TGS Insurance Agency is proud to serve China locals as one of the top home insurance providers.

China neighborhood

TGS Insurance works with top-rated carriers and only offers the best home insurance policy at a great rate to China residents. As an independent agency with thousands of customers, 35+ carriers and exceptional customer service- we win business from China residents every day.

Key Home Statistics in China


Total Population in China, TX


Average Home Value in China, TX


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Median Age in China, TX

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Data as of October 25, 2021




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Local Home Resources in China, TX

Fire Departments
Government - Fire DepartmentS Beaumont
China, TX 77713
(409) 880-3901