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

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Cross Timber, TX

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Homeowners Insurance  »  Texas  »  

Cross Timber

Home Insurance in Cross Timber, TX Just Got A Lot Cheaper!


What Is The Average Cost of Home Insurance in Cross Timber, TX?


The average cost of home insurance in Cross Timber, TX is $2,430 per year. There are several factors that play into the cost of your home insurance such as location, age and construction of your home, condition of your room, weather risks in your area that will create variation in cost from home to home.  At TGS Insurance, our customers in Cross Timber are paying an average of $1,436 per year for their home insurance which means we are saving our customers in the area an average of $994 a year! 

 Average Home Value in Cross Timber, TX


The average home in Cross Timber, TX is valued at $298,115 as of October 2020. Home value plays an important role in your home insurance coverage because you want to make sure that you get enough coverage to cover the costs of rebuilding your home as it stands today. With home values in the area increasing substantially over the past 10 years, it is important to always stay current with your coverage. 

A chart showing the average home value in Cross Timber, TX from 2010 to 2020
*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.

What Will A Standard Home Insurance Policy Cover?


There are many different types of home insurance policies available to homeowners in Cross Timber, TX, but the most common is an HO-3 policy. This policy allows you to protect yourself (legally), your home, and personal possessions from several named perils including fire and lightning damage, sudden and accidental damage from electrical currents that are artificially generated, vandalism, theft, falling objects, damage from an aircraft or automobile, and many more! Let’s take a closer look at some of the most common coverages we mentioned a little further:



This covers damage to your home’s structure by names perils, including any permanent air-conditioning systems, plumbing, wiring, or heating systems. Other structures on your property are also included such as detached garages, fences, and free-standing sheds. 


Personal Property

Personal Property coverage reimburses homeowners for the value of damaged, lost, or stolen belongings, including furniture, clothing, computers, and electronics. In some policies, this coverage even extends to items that are on your property such as items in a storage unit.



If you’re sued and found responsible for a visitor’s injuries or a neighbor’s property damage, Personal Liability Coverage would pay for the claims. We should note, if the claim exceeds the limit on your policy, you will be financially responsible for that amount so it is important to take into consideration your income and assets when deciding on the level of liability coverage you need. 

Additionally, if anyone (excluding household members) injured on your property needs medical care home insurance will help with medical payments for their care. 


Supplemental Home Insurance Coverages:

Above we discussed some of the common elements of standard home insurance policies: dwelling, personal property, and liability. In all instances, it is important to discuss with your agent which perils each are covered from and to what limit each is covered to determine if you need any additional coverage. Some common supplemental coverages include (but are certainly not limited to):

  • Umbrella Policies for additional liability coverage
  • A Valuable Articles Endorsement to cover the value of expensive jewelry or collections that exceed the limits on your standard policy
  • Flood Insurance 
  • Sewer Backup Coverage 


Zip Codes in Cross Timber, TX That We Insure:


  • 76028

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 Timber, 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 Timber's Premier Home Insurance Provider

Cross Timber neighborhood

Cross Timber, Texas was settled in 1853 in Johnson County. Early travelers on their way to the open prairies in the east and west used to call this area "Cross Timbers" because of their repeated traveling through this heavily timbered area, giving the city its name. TGS Insurance is proud to be one of the leading home insurance providers for Cross Timber locals.

Cross Timber neighborhood

Cross Timber homeowners all want an exceptional homeowners policy at a great rate. At TGS Insurance, we shop your insurance with 35+ carriers to find Cross Timber residents the best policy. As a locally owned agency with thousands of customers, great customer service and extensive knowledge- we win business from Cross Timber residents every day.

Key Home Statistics in Cross Timber


Total Population in Cross Timber, TX


Average Home Value in Cross Timber, TX


Median Household Income in Cross Timber, TX


Median Age in Cross Timber, TX

Trust TGS Insurance in Cross Timber

Data as of July 18, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured