Save On Home Insurance in College Station, TX | TGS Insurance Agency

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Homeowners Insurance  »  Texas  »  

College Station

Home Insurance in College Station, TX Just Got A Lot Cheaper!


How Much Does Home Insurance Cost in College Station, TX? 

Homeowners insurance is specific to you, the individual, and your home’s specifications. This means your home insurance quote is likely different from anyone else’s because it’s unique to you and your home. That being said, taking a look at average annual home insurance premiums can be a great benchmark for understanding what you might expect to pay for coverage. Take a look at some of these average below:

  • National average1: $2,305
  • Texas average1: $3,429
  • College Station, TX average: $2,148

The average TGS Insurance customer in College Station, TX pays $1,069 per year, which means they’re saving $1,079 compared to the city average!

While your home insurance rates can differ from the averages, comparing averages can be beneficial to you. You’ll learn where your home insurance premiums lie and some of the factors you can change to improve your monthly rate. Every carrier looks at specific criteria when determining your insurance cost and while some elements are outside of your control, others can be controlled and adjusted. Take a closer look at some of the carrier rating factors companies use when calculating your monthly premium:

  • Weather in your area (tornadoes, hail, flooding, tropical storms, etc.)
  • Frequency of claims you’ve made previously
  • The coverages you select 
  • The strength of your credit score
  • The crime rate near your home
  • The year, construction type, and square footage of your home
  • Discounts available to your home (for example: do you have a home security system? are you bundling with another policy?)

At TGS Insurance, you get a dedicated agent to help you narrow down your home coverage options for what’s best for YOU! We search by running quotes through over 35 top-rated home insurance carriers at once ensuring that you receive the best price on the market with the best coverage out there. All without any of the hassle of comparison shopping!

Common Additional Home Coverages in College Station, TX


Personal Injury Coverage


If someone is injured on your property, there can be many different expensive medical and legal bills you may be liable for. Your home insurance will cover a portion of these expenses to protect you, however, should these expenses wind up costing more than your policy limits, you could be on the hook for the remaining costs. Adding personal injury coverage will help boost the amount your insurance will cover and protect you and your bank account from liability.


Flood Coverage 


Your home insurance coverage will protect you from a lot of things including theft and fires, but it will not protect you or your possessions in the event of a flood. With as many as 20-25% of all flood claims coming from homes outside of a flood zone, having the right flood insurance is important for any homeowner. Here at TGS Insurance, we shop both private and government-issued flood insurance policies to ensure that you are receiving the best coverage available at the lowest price.


Windstorm and Hail Coverage


Windstorm/Hail Coverage protects your home from the damage caused by windstorm and hail events. Homeowners in College Station, TX understand the importance of this coverage more than most considering there are various perils to protect themselves from including severe thunderstorms which can produce tornadoes and hail, and the remnants of hurricanes and tropical storms to contend with. TGS Insurance automatically writes in this protection with a 2% deductible for our clients. We provide customizable home insurance built for you and your needs!


Common Home Insurance Questions from Our Customers in College Station


Will homeowners insurance pay for a new roof?


When the damage caused to your roof is sudden and accidental and of a covered peril, your homeowners insurance will pay for a new roof. Your policy will not pay for damage caused by normal wear and tear.


Can you get homeowners insurance with bad credit?


You can receive homeowners insurance with bad credit but you are likely to pay more than someone with a better credit score. Your credit score is part of the various factors that make up your homeowners insurance score and a bad score will negatively affect your premium.


Are appliances considered personal property in homeowners insurance?


Most homeowners insurance policies consider appliances to be personal property and will cover them against covered perils including accidental overflow for water and/or steam. Normal wear and tear is not included, meaning you will likely need a home warranty to cover your appliances if it is not covered in your home insurance policy.


Zip Codes in College Station, 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 College Station, 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 College Station's Premier Home Insurance Provider

College Station neighborhood

College Station, TX also known as Aggieland, is located northwest of Houston and is home to Texas A&M University. The city has a charming small-town vibe but it is filled with several attractions outside the university such as the George H.W Bush Presidential Library and Museum, Santa’s Wonderland, and Franks Drive Thru Safari.

College Station neighborhood

At TGS Insurance, we only work with the best insurance providers, which is why College Station, TX homeowners can always expect a great insurance policy for a great rate. As an independent agency with thousands of customers, 35+ carriers and exceptional customer service, we win business from College Station, TX residents every day.

Key Home Statistics in College Station


Total Population in College Station, TX


Average Home Value in College Station, TX


Median Household Income in College Station, TX


Median Age in College Station, TX

Trust TGS Insurance in College Station

Data as of May 29, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Major Neighborhoods in College Station, TX

Image of Southwood Valley Neighborhood

Southwood Valley

Southwood Valley is a neighborhood found southeast of downtown near the center of College Station, TX. Georgie K. Fitch Park and Brothers Pond Park are great recreational locations with many shops, eateries, and medical centers nearby.

Image of West Ridge Neighborhood

West Ridge

West Ridge is a great neighborhood in College Station, Texas. While residents can enjoy their own community, Texas A&M is a short car ride away, many shops and restaurants are even closer, and Steeplechase Park is right next door!

Image of Stonebridge Neighborhood


Stonebridge is a family-friendly neighborhood featuring beautiful homes. It is a great place to live in College Station, TX, with great proximity to shops, restaurants, and the Baylor Scott & White Medical Center.

Image of Midtown Reserve Neighborhood

Midtown Reserve

Midtown Reserve is a new neighborhood with modern, beautiful homes in College Station, Texas. The Baylor Scott & White Medical Center along with many shops and eateries are near the community.

Image of Bee Creek Neighborhood

Bee Creek

Bee Creek is a wonderful community. Its laid-back atmosphere allows you to relax and with plenty of recreational activities including parks, one of the same name, pools, and the Andy Anderson Arboretum, it’s a great place to get outdoors!

Image of Castlegate Neighborhood


Castlegate and Castlegate II are beautiful communities with some of the most stunning homes and landscapes in the city of College Station, TX. Resort-style pools, modern amenities, and greenbelts bring tranquility to the residents who call this neighborhood home.

Local Home Resources in College Station, TX

Fire Departments
College Station City - Administrative Offices City Hall- Fire & Ambulance- Administra1207 Texas Ave S
College Station, TX 77840
(979) 764-3705
College Station City - Fire & Ambulance1101 Texas Ave S
College Station, TX 77840
(979) 764-3700
College Station Fire Dept2200 Rio Grande Blvd
College Station, TX 77845
(979) 764-3715
Precinct 4 Fire Dept6357 Raymond Stotzer Pky
College Station, TX 77845
(979) 846-6625
Police Departments
College Station Police Dept2611 TEXAS AVE S