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

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Clute, TX

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Clute Home Insurance Made Simple with Hassle-Free, Accurate Quotes!


Comparison Shop Home Insurance in Clute from Multiple Carriers in Minutes!

Home insurance in Clute, TX costs an average of $1,205 per year. When customers shop their homeowners insurance policy with TGS Insurance, our average customer saves $870 per year! Easily compare your policy across 35+ A-rated (or better) carriers in 15 seconds or less, all with just your address.


When It Comes to Clute Homeowners Insurance, Texas Property Owners Can Rely on TGS Insurance for Individualized Coverage.


The standard homeowners insurance policy in Clute covers the following: 

  • Dwelling coverage 
  • Other structures (Ex: fence) 
  • Personal property coverage (Electronics, jewelry, etc.) 
  • Loss-of-use coverage 
  • Personal liability coverage
  • Medical payments coverage 


Homeowners insurance will cover you and your home from the most common perils, but there are some additional policy add-ons you can get to round out your coverage. Here are the most popular add-ons in Clute: 

  • Flood insurance 
  • Water backup 
  • Animal liability 
  • Umbrella policies 
  • Valuable articles or a floater policy (Ex: jewelry insurance) 


Clute, TX is located just a bit above the Texas coast and homeowners have seen how destructive some of the hurricanes, tropical storms, and even severe thunderstorms that come in from the gulf can be. Wind and hail protection is imperative for Clute homeowners, which is why we automatically write in a 2% wind/hail deductible into every single homeowners insurance policy we write. 


Comparing the Average Cost of Homeowners Insurance in Clute By Dwelling Coverage Limit

Coverage LevelAverage Annual Premium (incl. Wind Coverage)
$75k Dwelling$2,012
$150k Dwelling$2,789
$200k Dwelling$3,329
$350k Dwelling$4,938


*Information used from Help Insure from the Texas Department of Insurance. We applied a methodology of a homeowner with average credit, a home between 10-34 years of age, made of brick in Clute, TX. Includes wind coverage.


Average Home Value in Clute, TX 


In 2020, the average home value for Clute, TX is $145,625, which is $56,334 more than the 2010 average of $98,291. The market saw a dip in 2012 when average home values reached a decade low of $90,706 but they’ve since increased around 3-5% year after year since.

*This data is provided by Zillow Home Value Index (ZHVI): A smoothed, seasonally adjusted measure of the typical home value and market changes across a given region and housing type. It reflects the typical value for homes in the 35th to 65th percentile range.


Bundle Your Home and Auto Insurance For Even More Savings!


Policyholders can maximize their savings on insurance premiums when they bundle their homeowners and auto insurance policies. Customers who bundle their policyholders can save on average 16% per year! 


Bundling your homeowners and auto insurance has never been easier than with TGS Insurance! We’ll take on all the heavy lifting by shopping your policy across 35+ A-rated carriers to find you the best deal at a great rate. Bundling your home and auto insurance has never been easier!


Our Agents Are Ready to Help You With Your Clute Homeowners Insurance:


TGS Insurance offers a stress-free way to shop for homeowners insurance to all of our customers. Our team will handle all the details from start to finish, making getting insurance the easiest it’s ever been! See why hundreds of Clute, TX are already using TGS Insurance for all of their insurance needs today.


Home Insurance Carriers in Clute, 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 Clute's Premier Home Insurance Provider

Clute neighborhood

Clute is a diverse society in the center of the Brazosport area. The community offers a rural environment, but also big city business. It was established in 1952 and has transformed into a community with a flourishing economy. TGS Insurance is proud to be the leading insurance agency in the Clute community.

Clute neighborhood

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

Key Home Statistics in Clute


Total Population in Clute, TX


Average Home Value in Clute, TX


Median Household Income in Clute, TX


Median Age in Clute, TX

Trust TGS Insurance in Clute

Data as of April 24, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Major Neighborhoods in Clute, TX

Image of Woodshore Neighborhood


Woodshore is nestled next to Lake Bend and Mammoth Lake. Near the neighborhood is Kroger Marketplace, Slade Field and Clute Parks and Recreation.

Image of Timberline Neighborhood


Timberline is adjacent to South Lazy Lane and West Plantation Drive. Surrounding the neighborhood is a variety of churches and local restaurants.

Image of College Park Estates Neighborhood

College Park Estates

College Park Estates is located along Oyster Creek and Highway 288. Around the area is Broadus Park, Mammoth Lake, Lake Bend, Brazosport College, and an assortment of restaurants.

Image of Emerald Forest Neighborhood

Emerald Forest

Emerald Forest is nestled in between Brazoswood Drive and Angleton Drive. Around the neighborhood is Clute Branch Library, Pecan Acres Pet Care Pet Resort, Clute Florist, and Clute Park.

Image of Lake Bend Neighborhood

Lake Bend

Lake Bend neighborhood is next to the coast of Lake Bend. Around the area is Terry Park, Slade Field, various churches, restaurants and stores.

Image of Kyle Part Neighborhood

Kyle Part

Kyle Part is surrounded by Oyster Creek. Surrounding the area is Broadus Park, Brazosport College, Ash Lake, and various local businesses.

Local Home Resources in Clute, TX

Fire Departments
Clute City - Fire Department108 Hargett St
Clute, TX 77531
(979) 265-4741
Richwood Fire Dept100 Hargett St
Clute, TX 77531
(979) 265-2222