Save On Home Insurance in East Bernard, TX | TGS Insurance Agency

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East Bernard, TX

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Homeowners Insurance  »  Texas  »  

East Bernard

Get East Bernard Home Insurance Tailored to your Needs For Less


Shop Home Insurance in East Bernard, TX from Multiple Carriers in Minutes! 


Only 44% of homeowners comparison shop for insurance and only 17% compare prices online. This is attributed to the fact that comparison shopping can be such a tedious and time-consuming process! But at TGS Insurance, we do all the hard work for you. We’ll shop and compare your policy across our bank of 35+ A-rated carriers to find a policy that is balanced in value, coverage, and of course, a great rate. Shopping for homeowners insurance has never been easier!


How Much Does East Bernard Home Insurance Cost?


The average cost for homeowners insurance for East Bernard, TX is about $1,188 each year. Our Texas customers save an average of $870 each year on homeowners insurance when they switch to TGS Insurance!


Calculating Premiums for Home Insurance in East Bernard, TX


Each Insurance company provides your a quote for your home insurance based on their assessment of the amount of risk they would have to take on to insure you. Since each carrier assesses risk differently, your quote will vary from carrier to carrier. While their assessment of risk is different, there are several common factors that most insurance companies look at when calculating your premium:

  • The replacement cost of your home if you were to rebuild it exactly as it currently stands
  • The condition and age of your home’s roof
  • The location of your home compared to the nearest fire station
  • The location of your home compared to the nearest body of water
  • Whether or not the location of your home is prone to natural disasters such as tornados or hurricanes
  • The deductible amount you are willing to pay
  • The age of your home (older homes tend to cost more to insure)
  • The construction of your home (brick homes tend to cost less to insure, on average)
  • Your claims history
  • Your credit score


How Much is Flood Insurance in East Bernard?


The average cost for flood insurance in Texas is about $634 each year. Our TGS Insurance customers in East Bernard, TX pay about $482 per year for flood insurance, which means they are saving $152 per year! 

Do I Really Need Flood Insurance in East Bernard, TX?


East Bernard, TX was one of the cities hit worst during Hurricane Harvey because of the city’s proximity to the San Bernard River, with about 2,000 homes damaged due to flooding. It’s imperative all homeowners in East Bernard, TX consider purchasing a flood insurance policy because the right storm can cause catastrophic flooding, lost homes, and thousands of dollars in damages. 


Other Common Supplemental Home Coverages for Customers Near East Bernard:

Windstorm and Hail Coverage: Some of the most common insurance claims made in Texas come from wind and hail storm damage. Windstorm and hail coverage protects your home and your personal items from gusty events like tornadoes, hurricanes, hail storms, and even heavy rainfall. At TGS Insurance, we include a 2% hail/windstorm deductible into every policy we write so our customers are always protected.

Water Backup: Water damage from a sewer or drainage backup is a costly and unexpected incident that is not only disgusting to clean up but without the right coverage, a hefty bill for the homeowner. A water damage policy add-on is the perfect addition to your homeowners insurance policy to protect your home and belongings against this event. Coverage starts at $50-$250 per year depending on how much protection you want. 

Our Independent Agents Ready to Help You With Your East Bernard, TX Homeowners Insurance:

At TGS Insurance, it’s our mission to provide each one of our customers a home insurance policy packed with savings without compromising on coverage. We handle everything from start to finish, for an easy and stress-free experience!

Zip Codes in East Bernard, TX We Serve:

  • 77435

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 East Bernard, 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 East Bernard's Premier Home Insurance Provider

East Bernard neighborhood

East Bernard was established in 1850 and is located in Wharton County. This small-town is located on the west side of the San Bernard River. East Bernard strives to encourage businesses and the community to create a powerful, diverse economy. TGS Insurance is proud to be one of East Bernard’s leading home insurance providers.

East Bernard neighborhood

At TGS Insurance, it’s our goal to provide East Bernard homeowners with the best home insurance policy at a great rate from one of our 35 A-rated or better carriers. We win business from East Bernard residents every day because we’re a five-star rated agency with thousands of customers and provide an exceptional customer service experience!

Key Home Statistics in East Bernard


Total Population in East Bernard, TX


Average Home Value in East Bernard, TX


Median Household Income in East Bernard, TX


Median Age in East Bernard, TX

Trust TGS Insurance in East Bernard

Data as of July 18, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Major Neighborhoods in East Bernard, TX

Image of El Lobo  Neighborhood

El Lobo

El Lobo is a ranch-style neighborhood that is located off of Lum Ranch Road. The community is nestled around San Bernard River and Bates Allen Park.

Image of Downtown East Bernard Neighborhood

Downtown East Bernard

Downtown East Bernard is in the heart of the city. The neighborhood is conveniently close to schools, churches as well as local businesses and restaurants.

Image of Plantation Estates Neighborhood

Plantation Estates

Plantation Estates is located off of TX-60. The neighborhood is secluded, but is not too far away from all the attractions in the heart of the city.

Image of Crestwood Neighborhood


Crestwood is located right off of Highway 90. The neighborhood is close to Riverside Hall, East Bernard Community Park and various local businesses.

Image of Southview Terrace Neighborhood

Southview Terrace

Southview Terrace situated along TX-60. The neighborhood is near Country Food Store, San Bernard River, Memorial Stadium and a range of local businesses.

Image of Bernard Timbers Neighborhood

Bernard Timbers

Bernard Timbers is adjacent to TX-60 and Highway 90. It neighbors Riverside Community Park, San Bernard River and the United States Postal Service.

Local Home Resources in East Bernard, TX

Fire Departments
East Bernard Volunteer Fire Department808 Leveridge Rd
East Bernard, TX 77435
(979) 335-4300