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

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Crosby, TX

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Crosby Homeowners Insurance Made Easy with Quick, Accurate Quotes!


How Much Does Crosby Home Insurance Cost?

Homeowners insurance in Crosby, TX costs an average of $1,189 per year. At TGS Insurance, our average customer saves $870 per year, with some homeowners saving even more!

What Crosby, TX Homeowners Insurance Add-Ons Are Available That Will Further Protect You?


All Texans know the weather in our state can be a bit wild and unpredictable so depending on where you live, you may want to consider additional insurance add-ons to round out your home insurance coverage. For example, the standard homeowners insurance policy will cover common perils such as hail, fire, theft, and vandalism, but will not cover a flooding event. By filling in these gaps in coverage, you’re ensuring you’re protected from the unexpected. 


Crosby, TX is nestled just above the Texas coastline and the city has witnessed some devastating hurricanes, tropical storms, tornados, and severe thunderstorms. All of these events can bring torrential amounts of rain that can lead to flooding. Flood damage is not covered by homeowners insurance therefore you’ll need to purchase a separate flood insurance policy. The average policy costs around $634 per year but can vary depending on where your home is located. The average flood claim is around $43,000, so while $634 per year may be pricey, footing the bill for flood damage is even pricier. 


Backed-up drains or sewers can leave homeowners with a damaging and disgusting event to fix- not to mention expensive because it’s not covered by homeowners insurance. However, with a water backup add-on to your policy, you can get covered for damage starting at $5,000 up to $25,000. The average cost for this add-on can range anywhere between $50-$250 depending on your risk and coverage limits. 


Crosby residents are not immune to the devastating damage that wind and hail can have on their homes. At TGS Insurance, we believe you should be protected for anything, which is why we automatically write in a 2% wind/hail deductible for every homeowners insurance policy we issue.


The Right Homeowners Insurance Coverage to Meet Your Needs


Homeowners insurance can be a bit confusing and convoluted and we want to make it easy. Check out the video below breaking down everything you need to know about homeowners insurance!

Common Home Insurance Questions from Our Customers in Crosby


How much will a security system lower my homeowners insurance?

Installing a home security system can lower your homeowners insurance premium up to 20%! Each carrier offers different discounts, so be sure to ask your insurance agent about what discounts are available to you.


Is foundation repair covered under homeowners insurance?

If the foundation issue occurred as the result of a named peril in your policy, then your homeowners insurance will help cover the repairs.


Is it a legal requirement to have home insurance in Crosby, TX?

It’s not a legal requirement to have homeowners insurance in Crosby, TX but it’s strongly recommended. Your lender may require you to have a homeowners insurance policy during the duration of your loan, but should you decide to cancel your policy, you’ll be on the hook financially for any damage or repairs to your home.

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


At TGS Insurance our team of dedicated agents deliver a seamless and stress-free approach to shopping for homeowners insurance by handling everything from A to Z.

Zip Codes in Crosby, TX That We Insure:


  • 77554

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 Crosby, 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 Crosby's Premier Home Insurance Provider

Crosby neighborhood

Crosby was established in 1865 and is located in Harris County. The town was named after G.J. Crosby and quickly transformed into a town that became a retail and shipping location for lumber and farming products. The city provides a rural atmosphere while being minutes away from downtown attractions. TGS Insurance is proud to be the leading insurance agency in the Crosby community.

Crosby neighborhood

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

Key Home Statistics in Crosby


Total Population in Crosby, TX


Average Home Value in Crosby, TX


Median Household Income in Crosby, TX


Median Age in Crosby, TX

Trust TGS Insurance in Crosby

Data as of May 29, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Major Neighborhoods in Crosby, TX

Image of Crosby Village Neighborhood

Crosby Village

Crosby Village is located off of Crosby Huffman Road. Near the area is Crosby Library, Crosby Community Center, and a variety of local restaurants.

Image of Cedar Grove Neighborhood

Cedar Grove

Cedar Grove is located off of FM 1942. It neighbors Cedar Grove Park, Evergreen Cemetery, a variety of churches, local shops and restaurants.

Image of Fairacres Neighborhood


Fairacres is located off of Barber’ Hill Road. Near the neighborhood is Highlands Reservoir, Little Yellow Pond, Armaryllis Park, as well as local churches and restaurants.

Image of Riverdale Neighborhood


Riverdale is nestled in between Crosby Freeway and the San Jacinto River. Near the neighborhood is Love’s Marina & Park, Van Road Gun Range, and Xtreme Off Road Park and Beach.

Image of Newport Neighborhood


Newport is located off of Crosby Huffman Road. Near the neighborhood is Newport Driving Range, a duck pond, swimming pool, and Crosby Park.

Image of Saddle Creek Farms Neighborhood

Saddle Creek Farms

Saddle Creek Farms is located on the coast of Lake Houston. Near the neighborhood is Indian Shores Golf Course, Lake Houston Marina, and a variety of churches and local businesses.

Local Home Resources in Crosby, TX

Fire Departments
Crosby Fire Dept110 W Reidland St
Crosby, TX 77532
(281) 328-4512