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

Save on Home Insurance in
Edinburg, TX

We ONLY need your address

Quote looks like this
An Example Quote

See What Our Clients Have to Say


trust star

Based on 2,615 reviews

Showing our 4 & 5 star reviews
Homeowners Insurance  »  Texas  »  


We Shop 35+ Carrier to Find You The Best Deal on Your Edinburg Home Insurance Every Time


How Much Does Edinburg, TX Homeowners Insurance Cost?

The average cost for homeowners insurance in Edinburg, TX is about $1,470 each year. At TGS Insurance, our Edinburg, TX customers pay an average of $1,186 per year for their home insurance, which means they are saving an average of $284 every year on homeowners insurance!

What Will A Standard Edinburg, TX Homeowners Insurance Policy Cover?

Understanding the ins and outs of your home insurance policy is crucial for any homeowner because should something happen to your home, you don’t want to be left surprised thinking you were covered when you aren’t. Home insurance policies are clear about what they provide financial coverage for and what they don’t, which means if a peril isn’t specifically named in your policy then you won’t be protected. For example, if a hurricane caused damage to your home, you can only get reimbursed if your policy specifically includes hurricane coverage. 

Let’s review some of the most common coverage terms you’ll see listed in your home insurance policy:

Coverage A – Dwelling

The dwelling section of your insurance protects the physical structure of your home, the walls, floors ceilings, etc.- basically anything that is permanently attached to your home.

Coverage B – Other Structures

This coverage protects other structures of your home, so things like fences, detached garages, sheds, and mailboxes.

Coverage C – Personal Property

This covers all of your personal belongings inside your home. Examples of personal property are appliances, electronics, clothing, furniture, jewelry, etc. Usually, personal property coverage has a limit so be sure to review your policy to ensure it covers what the contents of your home are worth. 

Coverage D – Loss of Use

If your home is deemed unlivable due to a named peril (ex: fire) Loss of Use coverage would provide financial assistance for food and a hotel until your home is safe to live in again.

Coverage E – Personal Liability

Personal liability coverage steps in when an individual files a claim or tries to sue you for bodily harm or property damage that you are deemed liable for. It can help pay for medical expenses, legal fees, or repair damaged property.

Coverage F – Medical Payments to Others

Medical payments will pay for any medical bills incurred due to someone getting injured on your property caused by either an animal or the homeowner. It’s important to note that you and members of your household are not eligible for medical payments under this coverage. 

At TGS Insurance Agency, our independent agents are dedicated to working with you to build an insurance policy that is tailored to your specific needs- including helping you determine what level of each type of coverage you need to be fully protected.

Common Additional Home Coverages in Edinburg, TX

Hail/Windstorm Insurance: The two most common home insurance claims in Texas are for wind and hail damage. About 1 in 42 insurance claims involve wind and hail damage, with the Texas average being much higher. It’s important for Edinburg, TX homeowners to have the proper wind/hail coverage should your home take on damage due to a gusty event such as a hurricane, tornado, tropical storm, gale, or even a bad storm. If left without the proper coverage, homeowners could be on the hook for any repairs. Home Advisor reports hail and storm damage repair ranging from $2,353 to $15,159 with an average of $8,6921. And that’s each time a storm hits! At TGS Insurance, we want you to be fully protected for anything, which is why we automatically write in a 2% wind/hail deductible into every policy we write!

Flood Insurance: Flood insurance is a separate policy from your homeowners insurance that pays to repair your home and/or replace your personal belongings if a loss occurs due to a flood. Water damage caused by a flood is not covered in your homeowners insurance policy therefore Edinburg, TX homeowners wanting full protection from a flood must purchase a flood insurance policy. The average flood insurance policy in Texas costs about $634 per year but can vary depending on where you live.

Water Backup Insurance: The second most filed claim by homeowners in Texas is water damage due to a clogged sewer line or backed-up drain, with about every 1 in 50 homeowners making this type of claim every year. Water damage due to a backup of some kind is inconvenient, costly to clean up, and not covered by your standard homeowners insurance policy. Adding water backup coverage to your policy will help protect your home and personal belongings from backed-up drains, clogged sewer lines, or failed sump pumps. The average cost for water backup insurance is about $50 to $250 each year.

We’re Your “One-Stop-Shop” for Insurance – Bundle Our Services and Save! 

When you bundle your policies like home and auto together, you’ll see major discounts in your rates! Do you have a car or motorcycle, or need an umbrella policy? Talk to your TGS Insurance agent today about what bundling options you have available!

Zip Codes in Edinburg, TX That We Insure:


  • 78504
  • 78539
  • 78540
  • 78541
  • 78542

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 Edinburg, 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 Edinburg's Premier Home Insurance Provider

Edinburg neighborhood

Edinburg is located in south Texas just 20 minutes outside the U.S.-Mexico border and is the third-largest city in the Rio Grande Valley region. Edinburg, TX is known for its idyllic outdoor activities such as biking, birdwatching, hiking, and RVing! Other activities for residents include the Museum of South Texas History, Edinburg Scenic Wetlands, Basilica Of Our Lady of San Juan del Valle - National Shrine, and Edinburg Municipal Park. It's easy to see why so many Texans call this quiet border city home.

Edinburg neighborhood

Edinburg, TX homeowners all want the same thing- an exceptional homeowners policy at a great rate. TGS Insurance shops your insurance among 35+ carriers to find the best policy for you. As an independent agency with thousands of customers in Texas, our great customer service and extensive industry knowledge wins business from Edinburg, TX every day!

Key Home Statistics in Edinburg


Total Population in Edinburg, TX


Average Home Value in Edinburg, TX


Median Household Income in Edinburg, TX


Median Age in Edinburg, TX

Trust TGS Insurance in Edinburg

Data as of May 28, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Major Neighborhoods in Edinburg, TX

Image of Tres Lagos Neighborhood

Tres Lagos

Tres Lagos is a new master-planned neighborhood that features three different communities within it. The community features dazzling swimming pools, parks, and hike and bike trails.

Image of Enfield Estates Neighborhood

Enfield Estates

Enfield Estates is nestled along South Closner Boulevard. Nearby the community is Ebony Hills Golf Club, Edinburg Tennis Courts, and Freddy Gonzalez Memorial Park Splash Playground.

Image of Los Lagos Neighborhood

Los Lagos

Los Lagos is composed of nine residential lot phases located near Downtown Edinburg, TX. The community features a golf course and is close to H-E-B Park.

Image of Valencia Neighborhood


Valencia is a gated subdivision located along I-69C. The community features La Sienna Park, which includes a swimming pool, playground, and greenspace.

Image of Autumn Ridge Estates Neighborhood

Autumn Ridge Estates

Autumn Ridge Estates is located along South Jackson Road. Near the community is South Texas Health System, Cinemark Movie Bistro, various retail shopping, and local dining.

Image of Monte Cristo Neighborhood

Monte Cristo

When you live at Monte Cristo, you get to experience country club living without country club prices. This beautiful community features an 18 hole golf course, two swimming pools, and tennis courts.

Local Home Resources in Edinburg, TX

Fire Departments
Edinburg City - Fire Department- Fire Prevention212 W McIntyre St
Edinburg, TX 78541
(956) 383-5661
Edinburg City - Fire Department- Fire Substation No 2602 W Canton Rd
Edinburg, TX 78539
(956) 292-2102
Edinburg City - Fire Department- Fire Substation No 31221 E University Dr
Edinburg, TX 78539
(956) 292-2103