Save on Home Insurance in
El Paso, TX

Instant Home Insurance Quote

All We Need is Your Address

See What Our Customers Have to Say

Trustpilot Reviews Google Reviews

Excellent

trust star

Based on 1,391 reviews

Showing our 4 & 5 star reviews

El Paso Home Insurance Made Easy with Fast, Reliable Quotes!

 

The Cost of El Paso, TX Home Insurance

The price of your homeowners insurance premium will depend on your home’s details as well as how much coverage you need. Home insurance is no one-size-fits-all solution, so what you pay may be different than your neighbor’s. With that in mind, let’s take a closer look at the different annual home insurance premiums: 

  • National average1: $2,305
  • Texas average1: $3,429
  • El Paso, TX average: $1,183

Seeing how your home insurance premium compares to Texas and national averages is a good reference point to see if you are either overpaying for insurance or could quite possibly be underinsured if your rate seems dramatically lower. Each insurance company looks for certain factors that influence how much your premium will be. Some elements are in your control, but others are not. Below is a list of factors that most insurance providers look for: 

  • Year built, material type, and square footage of your home
  • Weather (If you live in a high-risk area for tornadoes or hurricanes) 
  • Your credit score (Low score = high rate and high score = low rate) 
  • Local crime rates
  • If you qualify for discounts
  • How much coverage you are seeking
  • Your claims history

One of our TGS Insurance agents can help you select the right coverage for your home’s needs. We will shop your home insurance policy across 35+ highly-rated home insurance providers, to find you a policy at a fair price so you don’t ever have to compromise on coverage!

Protecting Your Home in a Natural Disaster and Extreme Weather

Living in Texas comes with unavoidable natural disasters that are just a part of life, unfortunately. If you ever are in a position that you need to file a claim, it’s imperative that you have the right coverage in place beforehand so you’re not left paying anything out-of-pocket. At TGS Insurance, our team will help you find the right amount of coverage for your home so you can have peace-of-mind knowing you’re financially protected in any event. 

Natural Disasters and Extreme Weather in El Paso, TX: 

  • Number of extreme weather events (1950-2010)2: 426
  • Most common event (1950-2010)2: Hail (148)
  • Number of floods (1950-2010)2: 115

 

Common Home Insurance Questions from Our Customers In El Paso, TX

 

Will homeowners insurance cover water damage?

 

A standard homeowners insurance policy will cover water damage if it’s sudden or an accident. Examples include a pipe burst or a water heater rupturing. It’s important to note that homeowners insurance will not cover any water damage if it could have been prevented due to lack of proper home maintenance. Water damage as a result of a flood is not covered in your standard homeowners insurance policy so you’ll need to buy flood insurance.

 

Can you get homeowners insurance with bad credit?

 

Yes, you can still get homeowners insurance with bad credit but you may have to pay a higher premium than someone with a higher credit score.

 

Do you need home insurance if your house is paid off?

 

In the state of Texas, you are not legally required to have homeowners insurance. However, if your home is paid off it’s still highly recommended to carry a basic homeowners insurance policy to avoid any major financial pitfalls should something happen to your home.

 

Our Local, Independent Agents Ready to Help You With Your El Paso, TX Homeowners Insurance:

At TGS Insurance, you’re not just a policy number, you’re our client and we work for YOU, not the insurance company. We’re committed to bringing you the best possible homeowners insurance policy that is balanced with the right coverage for your needs at a price that works for you. We deliver an exceptional customer service experience from start to finish and take all the stress from shopping for insurance away. Our value doesn’t stop at just finding you the right policy, we will continue to serve you and whatever you need including policy edits, changes, and regular policy reviews to always ensure you’re getting the best rate on the market every year. 

Zip Codes in El Paso, TX That We Insure:

 

  • 79835
  • 79904
  • 79910

Don’t see your zip code listed? Don’t worry, as long as it’s in Texas, we’ve got you covered!

Footnotes

1. Bankrate.com
2. USA.com

Home Insurance Carriers in El Paso, TX

Allstate Logo
Progressive Logo
Safeco Logo
Travelers Logo
AIG Logo
Metlife Logo
Allied Trust Logo
Maison Logo
Lighthouse Logo
Anchor Logo
 State Auto Logo
ASI Logo
The Hartford Logo
Foremost Logo
Empower Logo
TWIA Logo
National Lloyds's Logo
Liberty Specialty Logo

TGS Insurance is El Paso's Premier Home Insurance Provider

El Paso neighborhood

El Paso is located on the western edge of Texas. It's considered to be the biggest international metroplex in the world and harmoniously combines traditions and cultures from Old Western, Mexico, Native American heritage, and desert beauty. With art galleries, casinos, historical sites, museums, wineries, and more, there is something for everyone to enjoy!

El Paso neighborhood

TGS Insurance works with top-rated carriers and only offers the best homeowners insurance policy at a great rate to El Paso, TX residents. As an independent agency with thousands of customers, 35+ carriers, and exceptional customer service- we win business from El Paso, TX residents every day.

Key Home Statistics in El Paso

681,728

Total Population in El Paso, TX

$158,393

Average Home Value in El Paso, TX

$47,568

Median Household Income in El Paso, TX

32

Median Age in El Paso, TX

Trust TGS Insurance in El Paso

Data as of August 02, 2021

15,000

Total
Customers

$4.27B

Total Assets Covered Projected

13,700

Total Homes Insured

5,200

Total Vehicles Insured

Major Neighborhoods in El Paso, TX

Image of East Side Neighborhood

East Side

East Side is El Paso's largest neighborhood and home to many subdivisions offering shopping, eateries, manufacturing, and much more.

Image of Mountain Arroyos Neighborhood

Mountain Arroyos

Residents of Mountain Arroyo can enjoy getting in touch with nature through many trails and parks while retaining close proximity to the city life.

Image of Rim Area Neighborhood

Rim Area

Rim Area is the closest you can get to living near UTEP without being on campus. Near both the west and east sides of El Paso with plenty of nature trails.

Image of Album Park Neighborhood

Album Park

Album Park is home to tons of recreational activities including the Eastwood Dog Park and Gary Del Palacio Recreation Center.

Image of Mission Hills Neighborhood

Mission Hills

A wonderful community for retirees, Mission Hills sits near the lower center of El Paso, slightly north of UTEP.

Image of Zach White Neighborhood

Zach White

Zach White is near New Mexico, Mexico, and located in the west portion of El Paso. There are many amenities, eateries, shops, and it is close to the El Paso Country Club.

Local Home Resources in El Paso, TX

Fire Departments
Clint Fire Department Inc14885 Las Colonias Rd
El Paso, TX 79928
(915) 851-2104
El Paso Association of Fire Fighters Local 513112 Forney Ln
El Paso, TX 79935
(915) 598-8117
El Paso Fire Department8600 Montana Ave
El Paso, TX 79925
(915) 771-1000
Police Departments
EL PASO CMNTY CLG POLICE DEPT919 HUNTER DR
EL PASO, TX 88595
9158318911
El Paso Cmnty Clg Police Dept919 Hunter Dr
El Paso, TX 79915
9158318911
El Paso Cnty Sheriff-Narcotics6825 Cielo Vista Dr
El Paso, TX 88595
9157728665
EL PASO COUNTY SHERIFF ACADEMY12501 MONTANA AVE
EL PASO, TX 88595
9158564850
El Paso County Sheriff Academy12501 Montana Ave
El Paso, TX 79938
9158564850
El Paso County Sheriff Crefs800 E Overland Ave # 400
El Paso, TX 88595
9155462292
El Paso County Sheriff Crefs800 E Overland Ave # 4
El Paso, TX 79901
9155462292
El Paso County Sheriff's Dept3850 Justice Rd
El Paso, TX 79938
9155382217
EL PASO COUNTY SHERIFF'S DEPT12501 MONTANA AVE
EL PASO, TX 88595
9158564875
El Paso County Sheriff's Dept12501 Montana Ave
El Paso, TX 79938
9158564875