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How Much Does Crystal Beach, TX Homeowners Insurance Cost?

 
Crystal Beach homeowners insurance can cost around $1,937 per year. With TGS Insurance, our customers in Crystal Beach are paying around $1,055, which means massive average savings of $855 annually!
 

What Homeowners Insurance Add-Ons Are Available for Residents in Crystal Beach? 

 

All Texans know our state’s weather can be a bit unpredictable and crazy and depending on where you live, you may want to consider additional insurance protection. By customizing your home insurance policy with add-ons outside the standard protections, you’re ensuring that you’re completely covered in any unforeseen disaster or weather event. 

Crystal Beach is not immune to the storms that can wreak havoc on the Texas coastline. From heavy rainstorms, hurricanes, tropical storms, and tornadoes, all of these events can bring massive amounts of heavy rain that can lead to flooding. It’s a popular misconception that flood damage is covered by homeowners insurance, and that’s simply not the case. To have full protection against floods, you’ll need to purchase a separate flood insurance policy. The average cost of a flood insurance policy in Texas is around $634 per year but can go higher or lower depending on where your home is located. 

Your standard homeowners insurance policy will offer protection for all of the common hazards such as fire, theft, vandalism, and others- but will not cover damage due to a sewer backup or draining issue. We offer this add-on to all of our clients with protection starting at $5,000 in covered damages. 

 Crystal Beach, TX homeowners are all too familiar with the damage that wind and hail and bring on their home. To make things easier on our customers, we automatically write in a 2% wind/hail deductible into every home insurance policy we write and that coverage can be customized based on your preferences. By doing this, it eliminates the need to purchase a separate policy for wind protection therefore saving you time and money! 

 

At TGS Insurance, We’ll Find the Right Homeowners Insurance Coverage to Meet Your Needs

 

We firmly believe that every TGS Insurance customer should understand the basics of homeowners insurance. Take a look at the video below breaking down everything you need to know about reading your homeowners insurance policy, to give you a better understanding of what protections and coverages you do and don’t have.
 

 

Common Crystal Beach, TX Home Insurance Questions from Our Clients

 

Are fires covered by home insurance?

Yes, if your home sustained damage or was destroyed due to a fire, your homeowners insurance policy will help cover the costs to repair what was lost. However, homeowners insurance will not cover any fires started intentionally.

 

What is a homeowners insurance quote?

A homeowners insurance quote is an estimate of how much you’ll pay for a policy. Each carrier’s formula is different but it’s usually based on several factors including your home’s location, age of home, and how it was built.

 

Will homeowners insurance cover tree removal?

Homeowners insurance will usually cover tree removal if the tree fell onto a covered structure, such as your home, garage, or fence and was caused due to a peril, such as a windstorm or weight of ice.
 

Our Featured Agents Are Ready to Help You With Your Crystal Beach, TX Homeowners Insurance:

 

At TGS Insurance, we believe that homeowners insurance should be affordable without sacrificing on coverage. We work with over 35+ A-Rated insurance carriers to find you a winning deal every single time. We’re carrier agnostic, which means we work for YOU and not the insurance company.

 

Zip Codes in Crystal Beach, TX That We Insure:

 

  • 77550

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 Crystal Beach, TX

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 State Auto Logo
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TGS Insurance is Crystal Beach's Premier Home Insurance Provider

Crystal Beach neighborhood

Crystal Beach is a seaside community that’s a ferry ride away from Galveston. The community was established in 1971 and is a part of the Bolivar Peninsula. It lays along 27 miles of beach and provides an endless amount of activities. TGS Insurance Agency is proud to be one of the leading insurance agencies for Crystal Beach.

Crystal Beach neighborhood

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

Key Home Statistics in Crystal Beach

1,860

Total Population in Crystal Beach, TX

$276,238

Average Home Value in Crystal Beach, TX

$41,442

Median Household Income in Crystal Beach, TX

55

Median Age in Crystal Beach, TX

Trust TGS Insurance in Crystal Beach

Data as of October 23, 2021

15,000

Total
Customers

$4.27B

Total Assets Covered Projected

13,700

Total Homes Insured

5,200

Total Vehicles Insured

Major Neighborhoods in Crystal Beach, TX

Image of Seagrass Beach  Neighborhood

Seagrass Beach

Seagrass Beach is an oceanfront neighborhood that has a beachy yet resort-style ambiance. This community has a luxury pool that is right off the beach.

Image of The Biscayne Neighborhood

The Biscayne

The Biscayne is a secluded gated community located at the southwest edge of the peninsula. This neighborhood has direct beach access and is close to the ferry.

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Holiday Beach

Holiday Beach is located right off of Highway 87 and provides oceanfront views. Near the neighborhood is The Big Store, Ace Hardware, and a range of local restaurants.

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Emerald Beach

Emerald Beach is located right off of Highway 87 and offers beachfront views. Near the area is Crystal Beach Golf Club, and a variety of local restaurants and shops.

Image of Crystal Canal Neighborhood

Crystal Canal

Crystal Canal is located right on Stingaree Cove. There is a variety of RV Parks, Steve’s Landing, Stingaree Restaurant & Marina, and The Big Store.

Image of Gulfport Village Neighborhood

Gulfport Village

Gulfport Village is tucked away off of Highway 87 and is right on the coast of the Gulf of Mexico. The neighborhood is near Crystal Beach Golf Club and Crenshaw School.