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

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Ennis, TX

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TGS Insurance is Your Trusted Home Insurance Partner in Ennis, TX

How Much is Home Insurance in Ennis, TX?

The average cost for home insurance in Ennis, TX is about $1,484 every year. At TGS Insurance, our Ennis, TX customers pay an average of $1,300 every year, which means an annual savings of $154 compared to the city average! 

What Goes Into Your Ennis, TX Home Insurance Quote?

Home insurance provides financial assistance for your home, property, and personal belongings from a disaster, theft, or liable event such as an accident. How much you pay for home insurance will be different from your neighbor’s because no two homes (or homeowners) are the same! Each insurance carrier has its own way of calculating how much it will cost for home insurance, but let’s review what goes into determining your home insurance quote. 

Your core home insurance policy is made up of six components:

  • Dwelling Coverage- Protects the structure of your home (ceiling, walls, and floors). It is recommended that you purchase the amount of coverage it would take to completely replace your home to its current value. 
  • Other Structures Coverage- Covers detached structures on your property such as your garage, shed, or fence.
  • Personal Property Coverage- Protects your personal items both inside and outside the home such as appliances, electronics, furniture, etc. up to a certain limit. 
  • Loss of Use Coverage- Provides financial assistance for living expenses (hotel & food) if your home is unlivable and requires repairs after a covered peril. 
  • Personal Liability Coverage- Covers any legal fees you incur in the event you’re held liable for personal injury or property damage. 
  • Medical Payments Coverage- Will cover any medical expenses up to $5,000 if someone were to get injured and you, a member of your home, or pet were responsible. 

It’s important that you carry enough coverage in each of these areas so you’re not left to cover any expenses on your own. These six core pieces make up just a portion of your home insurance policy, but there are also risk-based factors insurance carriers consider when calculating your rate. Some of which you can control and others you can’t, but for the carrier, it really boils down to risk. What’s the risk to insure your home? The higher the risk, the higher the premium. Let’s review what those factors are: 

  • Your home’s location (Are you in an area that has several tornadoes a year?) 
  • Your area’s crime rates. 
  • Age of your home. (Homes older than 40 are deemed risker to insure) 
  • Your credit history 
  • Your claims history (Fewer claims = lower premium) 
  • Attractive nuisances (Pool or trampoline) 

There are some things as the homeowner that you can take control over to lower your home insurance premium. Efforts to make your home safer such as having fire extinguishers, fire alarms, or home security systems can all positively affect your premium. Even bundling with your auto or watercraft policy can help you save as much as 25%! Be sure to ask your insurance agent what discounts are available to you as each carrier offers different discounts. 

Most Popular Additional Home Coverages in Ennis, TX

The average home insurance policy will only cover the basics, so if you’re seeking additional protection you may want to consider policy add-ons to bridge any gaps in coverage that you may have. Here are some of the most popular home insurance add-ons in Ennis, TX: 

Water Backup Coverage: Unfortunately, water damage due to a sewer or drainage backup are common claims made in Texas and to make matters worse: it’s not covered by home insurance. Not only is it a disgusting mess to contend with but could produce a hefty bill for any homeowner. Adding water backup coverage is a great way to protect your home and personal items should this event occur. This add-on is inexpensive, starting at $50 per year on average with coverage starting at $5,000. 

Windstorm/Hail Storm Coverage: Texans are no strangers to the wild weather events that can hit our state. From hurricanes to tornadoes, tropical storms, and even just a devastating spring thunderstorm- all of which can bring wind and hail events that can bring costly damage and repairs. At TGS Insurance, we believe all of our customers in Ennis, TX should be protected against all the elements which is why we automatically write in a 2% wind/hail deductible into every home insurance policy we write! 

Flood Insurance: Over 43% of homeowners believe that flood damage is protected under their home insurance policy and that is simply untrue. For any homeowner to have protection against flood insurance, you must purchase a flood insurance policy. The average flood insurance policy in Texas is about $634 per year, but can be higher or lower depending on your home’s location. 

Zip Codes in Ennis, TX That We Insure:

  • 77119
  • 75120
  • 75152
  • 75165

About TGS Insurance Agency 

We don’t do insurance like everyone else because we look at the insurance industry differently than anyone before us. We know our customers don’t want to spend time answering endless questionnaires or spend hours going back and forth with an agent over the phone only to get your quote days later. You want a home insurance quote packed with savings and coverage- and that’s what we deliver in just 15 seconds or less using just your address. Yes, you read that right! 

From your initial quote, your TGS Insurance agent will then further shop and compare your policy across our bank of 35+ A-rated (or better) carriers to ensure it’s perfectly balanced with the coverage and value you want. And we don’t just stop at a great quote, we’ll handle everything from start to finish for an easy, seamless experience. Shopping for home insurance in Ennis, TX has never been easier! 

We’re the real deal! Take a look at some of our stats: 

  • 14,000 Current Customers (read our reviews!)
  • $4.04 Billion Total Projected Assets Covered
  • 12,600 Total Homes Insured
  • 4,700 Total Vehicles Insured

Home Insurance Carriers in Ennis, 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 Ennis' Premier Home Insurance Provider

Ennis neighborhood

Ennis, TX is located just south of Dallas along I-45 and has been dubbed the "Official Bluebonnet City of Texas." This historic city has a small-town charm but it's anything but small. Ennis, TX is known for its famous Bluebonnet Trails, Bluebonnet Trails Festival, and the AAA Texas NHRA Fall Nationals at the Texas Motorplex. If city-wide events weren't enough, Ennis, TX also offers fun outdoor recreation including water activities at Bardwell Lake or picnicking at High View Park. It's no wonder so many Texans call Ennis, TX home!

Ennis neighborhood

Homeowners in Ennis, TX all want the same thing- a great home insurance policy at an even better rate! At TGS Insurance, we shop your policy across our bank of 35+ carriers to provide our customers in Ennis, TX a home insurance policy packed with value and coverage. Our extensive industry knowledge and exceptional customer service wins us business in Ennis, TX every day!

Key Home Statistics in Ennis


Total Population in Ennis, TX


Average Home Value in Ennis, TX


Median Household Income in Ennis, TX


Median Age in Ennis, TX

Trust TGS Insurance in Ennis

Data as of May 29, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Major Neighborhoods in Ennis, TX

Image of Boyce Neighborhood


The Boyce/Ensign neighborhood in Ennis, TX is a beautiful place to call home and enjoy quiet, small-town vibes without the hustle and bustle of the city. This neighborhood offers homeowners lots of space and tranquility while still being close to local shops, restaurants, and other activities.

Image of Country Club Estates Neighborhood

Country Club Estates

Country Club Estates is located just off of Highway 287, backing up to New Lake and Lake Clark. Homeowners in this area enjoy the picturesque landscape, water-based recreational activities, as well as outdoor activities at nearby Kachina Prairie Park and Lake Creek Park!

Image of Sleepy Hollow Neighborhood

Sleepy Hollow

Sleepy Hollow is an exclusive community located in northwest Ennis, TX. Residents can escape to Bardwell Lake for their favorite recreational activities or take a short drive and be within minutes of all the big-city amenities in Dallas. Homeowners in Sleepy Hollow can enjoy the best of charming country life while being close to all of their favorite shopping and local eateries.

Local Home Resources in Ennis, TX

Fire Departments
Alma Fire House104 Interurban Rd
Ennis, TX 75119
(972) 875-6832
Bristol Volunteer Fire Department101 S Old Walnut
Ennis, TX 75119
(972) 666-2600
Ennis City - Ada- Fire Central Station No 1206 S Dallas St
Ennis, TX 75119
(972) 875-3473
Ennis City - Ada- Fire Station No 2901 E Martin Luther King Dr
Ennis, TX 75119
(972) 875-6151
Police Departments
Ennis Police Dept AdminPo Box 220
Ennis, TX 75120