Save On Home Insurance in El Lago, TX | TGS Insurance Agency

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El Lago, TX

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Homeowners Insurance  »  Texas  »  

El Lago

TGS Insurance is Your Trusted Home Insurance Partner in El Lago, TX


Comparison Shop Home Insurance in El Lago, TX from Multiple Carriers in Minutes! 

Only 44% of homeowners shop and compare their homeowners insurance policies when it’s time for their renewal. One of the main reasons why is that it can be a tedious and time-consuming process but with TGS Insurance, we make buying insurance simple and easy. We shop and compare prices from our bank of 35+ A-rated insurance providers to find you the best price without compromising on coverage. Buying homeowners insurance has never been easier!


How Much Does El Lago Homeowners Insurance Cost?

The average cost for homeowner insurance in El Lago, TX is about $1,221 each year. Our customers save an average of $870 per year on their home insurance premiums when they switch to TGS Insurance!


Calculating Premiums for Home Insurance in El Lago, TX

When insurance providers calculate your home premiums, they take into consideration a few factors about your home. There are major, moderate, and small factors that insurers use to accurately determine what you will pay annually. Essentially though, it all comes down to risk. The higher the risk, the higher the premium, and vice versa. Let’s take a closer look at the different factors.


Major Factors

The main factors that determine the price of your premiums are your replacement cost value, credit score, and claim history. The replacement cost value for your home will determine how much coverage you will need to buy to protect your home in the event it needs to be completely rebuilt. In regards to credit score, insurers will typically charge you a higher rate for a low credit score and a low rate for a higher credit score. But if you do have a low credit score, not to worry, it doesn’t mean you won’t get insurance! Lastly, insurance providers look at your claims history. If you’ve filed a lot of claims in the past, you’re deemed a bit riskier to insure resulting in a higher premium.


Moderate Factors

Where your home is located, the age, and what materials it was made out of all moderately affect your homeowners insurance premium. If your home is located in an area with high crime rates or is near a coastline, then your rates will probably be higher because of the risk that comes with living in those types of areas. A home that is 25 years or older typically pays more because these types of homes have older plumbing, wiring, and heating systems. Homes that are 10 years and younger sometimes qualify for discounts. For materials, homes made out of concrete, metal, or brick tend to cost less to insure over a home that is made out of wood.


Small Factors

Installing protective devices like a security alarm, deadbolt locks, fire extinguishers, surveillance cameras, and motion sensor lights can all reduce the risk of you filing a claim for burglaries or fires, therefore result in a cheaper premium. Be sure to ask your insurance agent about what discounts are available to you!


How Much is Flood Insurance in El Lago?

On average, Texans pay about $634 a year for flood insurance, but ultimately the price depends on where you live. El Lago, TX is located south of Houston, where our TGS Insurance customers pay about $518 each year, which means we are saving them about $116 every year on flood insurance! 

El Lago, TX is surrounded by Clear Lake, Taylor Lake, and Trinity Bay, which puts this area at high-risk for flooding. Hurricane Harvey caused about 90 homes to flood and since then, El Lago, TX homeowners have seen floods occur about two to three times a year. With how frequently it floods in this area, El Lago, TX homeowners should have a flood insurance policy to fill in any missing gaps your homeowners insurance policy doesn’t cover because homeowners insurance does not cover flood damage.

Most Popular Additional Home Coverages in El Lago, TX:


Flood Insurance: Living on the coast typically puts El Lago, TX homeowners at higher risk for flooding. Flood insurance protects your home and personal items from flood damage caused by hurricanes, tropical storms, or even heavy rainfall. Because flooding in El Lago, TX can be common, having a flood insurance policy is imperative and highly recommended!


Windstorm and Hail Coverage: One of the most common home insurance claims in Texas comes from damage due to a windstorm or hail. Since El Lago, TX is on the Texas coastline, your homeowners insurance policy might not protect you from wind and hail damage or you’ve been forced to purchase a separate policy.  At TGS Insurance, we want to make things simple for you, which is why we automatically add in a 2% wind/hail deductible into every homeowners insurance policy we write!


Water Backup: In Texas, about 1 in 50 insured homes files a claim for water damage each year. Water backup coverage is one of the most valuable add-on coverages El Lago, TX homeowners can purchase and it will protect your home and personal items from sewage and sump pump backups. The average cost for water backup coverage in Texas ranges from $50-$250 per year with coverage starting at $5,000.


Our Local, Independent Insurance Agents Are Ready to Help You With Your El Lago Homeowners Insurance:


Our team of agents will shop your policy across 35+ A-rated insurance providers to find you a policy tailored to your needs and budget. We work for YOU, not the insurance companies! We are here to help you with all of your insurance needs from start to finish and aim to save you money without compromising on coverage.


Home Insurance Carriers in El Lago, 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 El Lago's Premier Home Insurance Provider

El Lago neighborhood

El Lago is a city that about 2,700 residents call home in Harris County. It was established in 1961 and has flourished into a community that provides an urban lifestyle right of Taylor Lake. TGS Insurance Agency is proud to serve El Lago residents as one of its leading home insurance carriers.

El Lago neighborhood

TGS Insurance provides home insurance in El Lago from dozens of different carriers. El Lago customers all want the same thing - the best home insurance policy at the lowest price. As an independent company with thousands of customers, 35+ carriers and amazing customer service, we win business from El Lago residents every single day.

Key Home Statistics in El Lago


Total Population in El Lago, TX


Average Home Value in El Lago, TX


Median Household Income in El Lago, TX


Median Age in El Lago, TX

Trust TGS Insurance in El Lago

Data as of June 13, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Major Neighborhoods in El Lago, TX

Image of Taylorcrest Neighborhood


Taylorcrest is a coastal community nestled on the shore of Taylor Lake. Near the community is Gulf Coast Fishing Charters, Whip Cap Park, and Monroe Field Splash Pad.

Image of Marina Bay Neighborhood

Marina Bay

Marina Bay borders the coast of Clear Lake. Near the area is Clear Lake Park, Bay Area Museum, Johnson Space Center and an abundance of local restaurants.

Image of El Lago Estates Neighborhood

El Lago Estates

El Lago Estates is nestled in between Taylor Lake and Clear Lake. The community is near Houston Methodist Clear Lake Hospital and Armand Bayou Nature Center.

Local Home Resources in El Lago, TX

Police Departments
El Lago Police Dept98 Lakeshore Dr
El Lago, TX 77586
EL LAGO, TX 77586
Lakeview Police Dept98 Lakeshore Dr
El Lago, TX 77586-6136
281-326-1951 x12