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

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With TGS Insurance, Finding The Right Elgin Home Insurance Policy is as Easy as 1-2-3


How Much is Home Insurance in Elgin, Texas?

Homeowners living in Elgin, Texas pay on average $1,715 per year for their home insurance coverage. The average homeowner enrolled with TGS Insurance spends only $605 in Elgin, Texas on average. That means an average savings of $1,110 on their homeowners insurance each year!

What Does Home Insurance in Elgin, Texas Cover?

Your home insurance keeps you protected from the many perils your home may face. Overall, the most popular home insurance policy is a basic HO-3 home insurance policy that is made up of six main parts. Your policy will protect your home’s structure, other structures on your property, personal property, and it can even protect you against liability claims such as if someone were to visit your property and become injured. Learn more about the six main parts that collectively make up your HO-3 homeowners insurance:


Dwelling Coverage

Things such as your walls, roof, ceiling, and almost anything else that is attached to the structure of your home are covered by dwelling coverage. Homeowners must enroll in enough dwelling coverage to equal the cost of replacing your entire home based on the current rate of building costs and not based on the value of your home.


Other Structures Coverage 

Your homeowners insurance policy will protect more than just your primary structure. Damage to detached garages, sheds, and fences is covered so long as it is caused by a named peril under the other structures coverage portion of your policy.


Personal Property Coverage

Homeowners can protect their personal belongings such as clothing, electronics, and even appliances to some degree with personal property coverage. It is important to remember that your homeowners insurance policy will have policy limits for these items, so if you have more valuable items such as a collectible, jewelry, etc., you’ll need to purchase additional coverage to keep these items protected.


Loss-Of-Use Coverage

If your home becomes unlivable due to a peril that is covered by your HO-3 homeowners insurance policy, loss-of-use coverage helps you pay for additional expenses such as food and lodging while you are displaced.


Personal Liability Coverage

An HO-3 home insurance policy provides homeowners with protection from liability in the event you are responsible for damaging someone else’s property or if someone were to injure themselves while on yours. Personal liability coverage can even help you pay for legal fees should you be sued over damage or an injury.


Medical Payments Coverage

As medical costs continue to rise, homeowners must protect themselves from being responsible for the injuries and medical expenses of another party visiting their property. Medical payments coverage helps you pay for these costs and provides the protection you need as part of your home insurance policy. It is, however, important to note that this does not cover the members of your home. A separate health insurance policy or personal payment is required for paying for the members of your household’s medical expenses.


Home Insurance by Coverage in Elgin, Texas

Comparing what you are paying for your home insurance policy versus the averages can help you figure out if you are over or underinsured (neither works in your favor). If you are paying below the average, you could be missing important coverages; however, you shouldn’t overpay either as you may have coverages you don’t need. Each home is different and each homeowner’s need is different. Take a closer look at the different average amount homeowners in Elgin, Texas are paying for their home insurance policy premiums by coverage amount:

Coverage AmountAverage Annual Premium (incl. Wind Coverage)

Source: Texas Department of Insurance to calculate premiums. Methodology based on a homeowner with average credit, owns their home, no claims within the past 5 years, age of house is 10 to 34 years made of brick and includes windstorm coverage.

Popular Home Insurance Policy Endorsements in Elgin, Texas

While your home insurance policy is a great step for covering your home from the basics, there are many additional protections in the form of policy endorsements that can help eliminate gaps in coverage by providing a more complete sense of protection. Learn more and take a closer look at some of the most common home insurance policy endorsements homeowners in Elgin, Texas use to protect their property:


  • Water Backup Coverage: Your home’s sewers and sump pumps can be “out of sight, out of mind”, but if you are suffering from costly water damage, you’ll be looking to restore your loss immediately. Unfortunately, home insurance policies don’t typically cover these events which can set homeowners back thousands of dollars. Water backup coverage is only around $20-$50 a year on average and provides coverage beginning at $5,000. With the average homeowner enrolled with TGS Insurance spending only $25 a year for this coverage, it’s a great addition to have that is very affordable.
  • Equipment Breakdown Coverage: Appliances and systems such as your HVAC can break down and suffer damage from things like electrical or mechanical failure. Homeowners can protect themselves for only $20 to $50 a year on average and gain $50,000 worth of coverage to help restore things such as your air conditioner, oven, water heater, a washer and dryer set, and more. This coverage does come with a deductible which is around $250 to $500 normally.
  • Scheduled Personal Property Coverage: Personal property is protected by your homeowners insurance, however, there are policy limits that dictate how much you can cover overall. Items of greater value such as art, collectibles, firearms, expensive clothing, jewelry, precious metals, etc., will require a scheduled personal property coverage as an endorsement on your homeowners insurance. Costs vary by item, however, they are usually 1% to 2% of the item’s total value.


Zip Codes in Elgin, TX That We Insure:


Is your zip code missing? Don’t worry! If your home is in Texas, we’ve still got you covered!

  • 78621

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

Elgin neighborhood

Elgin, TX is a cozy city found east of downtown Austin. Eclectic eateries and recreational opportunities await residents throughout this hidden Hill Country gem. The Elgin Depot Museum brings history to life in an innovative and informative manner. Many movies have been filmed in this historic location throughout the years. Thousands of residents enjoy small-town living with the conveniences of city amenities nearby. TGS Insurance is one of the leading providers of home insurance for Elgin, TX homeowners.

Elgin neighborhood

TGS Insurance helps homeowners living in Elgin, TX find the right homeowners insurance coverage by providing a range of protections for our clients. Homeowners living in Elgin, TX are all searching for the same thing - the best home insurance policy available for the lowest price possible. TGS Insurance is an independent insurance provider that continues to win business in Elgin, TX, every day by providing phenomenal customer service and our cultivated relationships with more than 35 top-rated insurance carriers.

Key Home Statistics in Elgin


Total Population in Elgin, TX


Average Home Value in Elgin, TX


Median Household Income in Elgin, TX


Median Age in Elgin, TX

Trust TGS Insurance in Elgin

Data as of June 13, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Major Neighborhoods in Elgin, TX

Image of Westwind Neighborhood


Westwind is conveniently located near Highway 290 providing easy access to both downtown Elgin, TX and downtown Austin, TX. The Austin Community College- Elgin Campus is nearby as is Elgin High School providing quality educational opportunities for the region.

Image of County Line Subdivision Neighborhood

County Line Subdivision

County Line Subdivision is a quiet neighborhood that can be found in northwest Elgin, TX. Residents can find nearby schools and the Shenandoah Soccer Park & Greenbelt for quality educational and recreation opportunities. This family-friendly neighborhood is not far from Highway 290 and provides residents with easy access to downtown Elgin, TX and downtown Austin, TX.

Image of Elm Creek Neighborhood

Elm Creek

Elm Creek is a neighborhood that continues to provide a quality place to live for its residents. This family-friendly neighborhood is west of downtown Elgin, TX, and provides modern amenities including a pool to homeowners lucky enough to call it home. Highway 290 is nearby and provides residents with a direct route to downtown Elgin, TX and downtown Austin, TX.

Local Home Resources in Elgin, TX

Fire Departments
Elgin Fire Station111 N Avenue C
Elgin, TX 78621
(512) 281-4025
Fire Station111 N Avenue J
Elgin, TX 78621
(512) 281-4025
Police Departments
Elgin Police Dept202 Depot St
Elgin, TX 78621