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

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Danbury, TX

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We Shop 35+ Carriers to Find You The Best Deal on Your Danbury Home Insurance


How Much Does Home Insurance in Danbury, Texas Cost?

The average cost of homeowners insurance in Danbury, TX is $1,868 per year among TGS Insurance Agency customers. This average premium includes windstorm and hail coverage with a 2% deductible and is based on policies with an average home value of $222,925. By shopping your policy with our trusted carriers, we are able to save you both time and money (and a lot of headaches). In fact, TGS Insurance Agency has been able to save our customers throughout Texas an average of $870 per year when they’ve made the switch to us. To see how much you could be saving, get started with a free, instant quote. All we need is your address

Home Insurance Quotes in Danbury, TX by Home Value

Home value is one of many factors that influences your home insurance premium. Typically, the higher the home value, the more it would cost to rebuild or repair it should it incur damages so premiums will be higher. Below is a comparison of the average home insurance quote provided by the TGS Insurance Agency for homes in Danbury, TX.

Home ValueAverage Annual Premium (incl. Wind Coverage)

What Factors Influence My Home Insurance Rate?

Insurance companies each have their own way of calculating home insurance premiums. That being said, there are several factors that are commonly considered by most carriers:

  1. Home value (specifically, the replacement cost of rebuilding your home to its current condition)
  2. Age of home
  3. Construction of home (brick, wood, etc)
  4. Roof age and condition
  5. Proximity to the fire station
  6. Proximity to major bodies of water
  7. Claims history
  8. Credit history
  9. Crime rates in the area
  10. Presence of a pool or hot tub or trampoline
  11. Breed of any dogs living in the home
  12. Marital status

As you can see, there are several factors that contribute to your home insurance rate (keep in mind, these are only some of the common ones!). If it feels overwhelming, do not worry. There are things you can do to lower your home insurance premium such as having a monitored security system or bundling your home insurance with other lines such as auto. Knowing that every carrier calculates their premiums differently makes it even more important to shop your policy to make sure you are finding the right coverage at the best price! Don’t have time to waste getting quote after quote? We’ve got you covered. At TGS Insurance, we shop and you save. Sound too easy? It gets easier. To get started with a free instant quote, all we need is your address.

When It Comes to Danbury Homeowners Insurance, Texas Property Owners Can Rely on TGS Insurance for Individualized Coverage.

 There are six standard coverages that are part of the basic homeowners insurance policy, but there are even more ways to customize home insurance policies to make sure you get the right insurance for your home. 

The standard homeowners insurance policy in Danbury, TX will cover: 

  • Dwelling coverage (the structure of your home)
  • Other structures (ex: fence or a detached garage) 
  • Personal property coverage (your belongings such as clothing and electronics)
  • Loss-of-use coverage (helps with expenses such as hotel stays should your home become unlivable while being repaired)
  • Personal liability coverage 
  • Medical payments coverage 


We can customize your policy to better fit your needs and fill any gaps outside the standard home policy for things like special collections, important art or jewelry, home businesses, and more. Other examples of policy add-ons include:

  • Flood insurance 
  • Underground service lines coverage (water, sewer, electrical, cable, gas)
  • Sewer backup endorsement
  • Animal liability coverage
  • Umbrella policies

At TGS Insurance, we want our customers to have peace of mind knowing they’re covered for anything. Our agents will work with you to determine any gaps or vulnerabilities you might have and help craft the perfect policy tailored to your needs. 

Zip Codes in Danbury, Texas We Insure:


  • 77534

Don’t see your zip code? Not a problem! We are able to help homeowners throughout Texas save on their home insurance!


Home Insurance Carriers in Danbury, 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 Danbury's Premier Home Insurance Provider

Danbury neighborhood

Danbury is a small town east of Angleton. The town was established in 1960 and is located in Brazoria County. When the Missouri Pacific Railroad was created, it provided access to an abundance of farmland. TGS Insurance is proud to serve Danbury residents as their leading home insurance provider.

Danbury neighborhood

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

Key Home Statistics in Danbury


Total Population in Danbury, TX


Average Home Value in Danbury, TX


Median Household Income in Danbury, TX


Median Age in Danbury, TX

Trust TGS Insurance in Danbury

Data as of July 18, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Major Neighborhoods in Danbury, TX

Image of Bayou Oaks Estate Neighborhood

Bayou Oaks Estate

Bayou Oaks Estates is on the corner of Peltier Road and County Road 210. The neighborhood is a quick drive to Brazoria National Wildlife Refuge.

Image of Bayou Oaks  Neighborhood

Bayou Oaks

Bayou Oaks is located off of County Road 210. The neighborhood is located near Austin Bayou and is a quick drive to Brazoria National Wildlife Refuge.

Image of Bungalo Villa Neighborhood

Bungalo Villa

Bungalo Villa in the heart of Danbury. Near the neighborhood is Danbury High School, Texas Bluechips Academy, Danbury Community Library and various local businesses.

Image of Prairie Rose Neighborhood

Prairie Rose

Prairie Rose is tucked away off of TX-35. Around the area is Danbury Ball Park, Austin Bayou, Danbury Cemetery, and a range of local businesses.

Image of Dove Ridge Estates Neighborhood

Dove Ridge Estates

Dove Ridge Estates is located on Quail Ridge Road and near the coast of McCullough Lake. Around the area is Danbury Fish Farms and Danbury Ball Park.

Image of Danbury Colony  Neighborhood

Danbury Colony

Danbury Colony is placed along Blanchard Loop. The area is a secluded rural neighborhood and is a quick drive from Brazoria National Wildlife Refuge.

Local Home Resources in Danbury, TX

Fire Departments
Danbury Fire Department6100 5th St
Danbury, TX 77534
(979) 922-8556