Save On Home Insurance in Cross Roads, TX | TGS Insurance Agency

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Cross Roads, TX

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Homeowners Insurance  »  Texas  »  

Cross Roads

Cross Roads Homeowners Insurance Made Easy with Quick, Accurate Quotes!


How Much is Home Insurance in Cross Roads?


Homeowners in Cross Roads, TX pay an average of around $2,467 a year on home insurance. By using TGS Insurance to shop for homeowners insurance, our average insurance policy costs Cross Roads, TX homeowners $1,513 a year for an average savings of $954 a year with some clients saving even more!

Average Home Value in Cross Roads, TX


The average home in Cross Roads, TX is valued at $297,632 and has risen since 2012 by $124,371!


*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.

Comparing the Average Cost of Homeowners Insurance in Cross Roads, TX By Dwelling Coverage Limit

Coverage LevelAverage Annual Premium
$75k Dwelling$1,631
$150k Dwelling$2,177
$200k Dwelling$2,524
$350k Dwelling$3,536

*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 Cross Roads, TX.

What Does Cross Roads Home Insurance Cover?


In Cross Roads, TX, there are a variety of home insurance policy options available to homeowners with the most popular policy being the HO3. This popular policy protects you, your home, and personal possessions from named perils such as explosions, fire and lightning strikes, vandalism, theft, rioting, falling objects, and many more!


What Homeowners Insurance Add-Ons Are Available That Will Further Protect Me?


Homeowners in Cross Roads, TX, have a wide range of additional coverage options to choose from. With each home being different than the next, we assist our clients by tailoring their policies to their specific needs. Learn more about some of our add-ons TGS Insurance provides its clients:


Flood insurance: Flood events can bring devastating water damage to your home and the right flood insurance policy is necessary to protect your home and property. We help our clients by shopping both private and government-issued policies to find the best deal on the market without cutting coverage.


Windstorm coverage: If you’re in an area prone to severe hail and wind, homeowners should also consider windstorm/hail coverage options to stay protected from tornadoes, severe thunderstorms, tropical storms, and hurricanes. And for extra protection, we automatically write in a 2% wind/hail deductible into every policy we issue. We can easily customize coverage based on what your needs are.


Water Backup Damage: Drain backup and sewer problems can cause homeowners to pay for expensive repairs for their home and without proper coverage, you will be stuck with the bill. TGS Insurance helps our clients protect themselves with Water Back-Up/Sump Discharge Coverage which provides a minimum of $5,000 in protection.


Jewelry Insurance: Necessary for protecting jewelry that is worth more than your homeowners insurance policy will cover.


Umbrella Policy: Homeowners with more to lose can become targets for lawsuits that exceed what their home insurance policy will cover in the event of a lawsuit. Homeowners with larger homes with swimming pools and who own luxury cars may need to rely on an umbrella liability policy that protects everything you’ve worked for in the event of a lawsuit.


Advantages of Using TGS Insurance for Your Cross Roads Home Insurance Needs:


  • You receive more coverage options for a lower rate when you enroll with TGS Insurance. We work with more than 35 top-rated insurance carriers to comparison shop the best coverage options at the best available price for our policyholders.


  • Don’t worry about the hassle of enrolling or checking to see that the details are ironed out. At TGS Insurance, we take care of everything from beginning to end for our clients for a smooth experience. We can also work with your mortgage company to ensure everything is in order from day one and beyond.


  • Exceptional customer service and a commitment to saving you money is what you will receive with TGS Insurance. Year after year we continue to keep your rates low. Should there be a rate increase your agent will find the same coverage for the best rate available all over again.


Zip Codes in Cross Roads, TX That We Insure:

  • 76227

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 Cross Roads, 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 Cross Roads' Premier Home Insurance Provider

Cross Roads neighborhood

Cross Roads, Texas is located east of Denton and is located in Denton County. The community offers a rural environment surrounded by trees and follows the "Texas Country" theme boasting a unique style and ambiance for the city. TGS Insurance is one of the top home insurance providers for Cross Roads residents.

Cross Roads neighborhood

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

Key Home Statistics in Cross Roads


Total Population in Cross Roads, TX


Average Home Value in Cross Roads, TX


Median Household Income in Cross Roads, TX


Median Age in Cross Roads, TX

Trust TGS Insurance in Cross Roads

Data as of May 29, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured