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

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Forney, TX

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


How Much is Home Insurance in Forney, TX?

In Forney, TX, the average cost for home insurance is about $1,352 each year. At TGS Insurance, our customers in Forney pay an average of $886 every year on homeowners insurance, which means they are saving an average of $466 annually compared to the city average! 


What Goes Into Your Forney, TX Home Insurance Quote?


Every homeowner will pay a different rate for their home insurance policy because each home (and homeowner) is unique. Each insurance carrier has its own way of calculating your rate based on factors specific to your home. Let’s review what goes into generating your home insurance quote. 


Your core home insurance policy is made up of six main parts:

  • Coverage A (Dwelling Insurance)- Protects the actual structure of your home, meaning all the nuts and bolts that hold your home together such as the ceiling, walls, floors, and anything else structural. You should carry enough coverage to completely replace your home to its current value
  • Coverage B (Other Structures Insurance)- Protects the other structures of your home that may not be connected to your home such as a detached garage, fence, or mailbox.
  • Coverage C (Personal Property Insurance)- Covers the personal items in your home such as your appliances, clothes, and furniture, but only provides a limited amount of coverage for expensive items like jewelry, artwork, and fur coats.
  • Coverage D (Loss of Use Insurance)- Covers any living expenses (hotel and food) in the event your home becomes damaged and needs repairs and you’re unable to live in it temporarily. 
  • Coverage E (Personal Liability Insurance)- This coverage offers financial protection should someone make a claim against you for bodily injury or property damage on your property and you’re held legally responsible. 
  • Coverage D (Medical Payments Coverage)- This coverage is designed to cover medical bills that arise as a result of an injury to a guest on your property. 


You should carry enough coverage in these six areas because you don’t want to be left paying out of pocket for any expenses or repairs. It’s always recommended that you assess your current financial status and make sure you’re insured enough to cover at least the basics. 


One of the biggest things insurers look at when calculating your premium is how much risk they’re taking on to insure your home. The bigger the risk, the higher the premium will be as a result. Some factors are within your control and you can make changes to help with your premium, but others are not. Let’s review a few of the most common factors insurers look at when determining the risk to insure your home: 


  • The location of your home (is your area prone to natural disasters or high in crime?)
  • Credit score
  • Claims history (Fewer claims = lower premium) 
  • Condition of your home (age, materials, and size)
  • Attractive nuisances (trampoline or swimming pool)


You can help make your home safer by installing a home security system, motion-sensor lights, deadbolt locks, and having smoke alarms in your home- all of which can help lower your home insurance rate. Having good credit, a good claims history, or bundling your policies with auto or watercraft can also help give you a great deal! Be sure to always ask your insurance agent about what discounts are available to you, as each carrier is different! 


Most Popular Additional Home Coverages in Forney, TX:


The standard homeowners insurance policy will provide you with the basic coverage you need to protect your home. But you may want to look at adding extra coverage to your policy to customize it even further to cover any gaps in coverage so your home in Forney, TX is 100% protected for any event. 


Water Backup Coverage: Water damage as a result of a broken sump pump or backed-up sewer line is not covered by your standard home insurance policy and about 1 in 50 Texas homes file a claim for this type of damage every year. Water backup coverage will protect you against that type of loss and is one of the most valuable coverage add-ons any Forney, TX resident can get! It’s anywhere between $50-$250 a year (depending on how much coverage you want) with coverage starting at $5,000 going up to $25,000. 


Windstorm/Hail Storm Coverage: One of the most common perils Texas homeowners face is damage from wind and hail. Because our state faces a high number of hurricanes, tornadoes, tropical storms, and just heavy rainfall, homeowners in Forney, TX should always carry the right amount of windstorm and hail coverage so you’re not left covering the hefty bill should you need to make repairs or replacements. At TGS Insurance, we believe all of our Forney, TX clients should be protected for less which is why we automatically write-in a 2% wind/hail deductible into every policy we write! 


Flood Insurance: It’s a common misconception that flood coverage is included in your standard home insurance policy and that’s simply untrue. For homeowners in Forney, TX to have protection against floods, you’ll need to purchase a flood insurance policy. The average cost for flood insurance is about $634 per year, but can vary depending on your home’s location! 


Zip Codes in Forney, TX That We Insure:


  • 75126


About TGS Insurance Agency:

TGS Insurance is a family-owned, Texas-based, independent insurance agency. We aren’t like the average insurance agency you see because we do insurance differently than everyone else. We understand that shopping and comparing home insurance rates can be tedious and time-consuming and that you don’t want to spend hours answering endless questionnaires only to get your quote days later. All we need to get started is your address to generate you a real home insurance quote in just 15 seconds or less! Your dedicated TGS Insurance agent will then shop and compare your home insurance policy across our bank of 35+ carriers to further personalize and craft your policy so it’s perfectly balanced in coverage and value. 


And we don’t stop at a great quote, we’ll handle everything from enrollment to payment set up to ensure a seamless and easy insurance shopping experience! Shopping for home insurance in Forney, TX has never been easier or more affordable. 


We don’t like to brag on ourselves, but 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 Forney, 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 Forney's Premier Home Insurance Provider

Forney neighborhood

Forney, Texas is a city located in Kauffman County just east of Dallas along US-80. The Texas Senate dubbed it the "Antique Capital of Texas" because of Glenn "Red" Whatley, who opened the first antique business in the east part of town leading to the genesis of the booming antique business that thrives in the city today. This community is the perfect blend of historic and modern lifestyle that makes Forney, Texas an ideal place for Texans to call home! TGS Insurance is proud to be one of the leading insurance providers for Forney, TX residents.

Forney neighborhood

Forney, TX homeowners all want a great home insurance policy at a competitive rate. At TGS Insurance, we shop your homeowners insurance with over 35+ insurance carriers to find Forney, TX homeowners the best policy available. As a Texas-owned agency with thousands of customers across the Lone Star State, exceptional customer service, and extensive industry knowledge- we win business from Forney, TX residents every day!

Key Home Statistics in Forney


Total Population in Forney, TX


Average Home Value in Forney, TX


Median Household Income in Forney, TX


Median Age in Forney, TX

Trust TGS Insurance in Forney

Data as of May 28, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Major Neighborhoods in Forney, TX

Image of Bluff View Estates Neighborhood

Bluff View Estates

Bluff View Estates is located just off of US-80 alongside FM 740. This quiet and small neighborhood features beautiful landscapes and is close enough to all of the city's major shopping while still far enough to enjoy a quiet atmosphere.

Image of Devonshire Neighborhood


Devonshire is a master-planned community located just off of Ravenhill Drive. Residents of this family-friendly neighborhood enjoy several amenities including a clubhouse, swimming pool, splash pool, covered pavilion, an events lawn, and a playground!

Image of Windmill Farms Neighborhood

Windmill Farms

Windmill Farms is a master-planned community located off Highway 80 near I-635. Homeowners have quick access to all of their favorite in-town shopping spots and eateries, as well as community amenities including a resort-style pool, neighborhood ponds, trails for outdoor activities, and a playground.

Image of Clements Ranch  Neighborhood

Clements Ranch

Clements Ranch is a master-planned community located just off of FM 740 near Lake Ray Hubbard. The neighborhood boasts an easy-going lifestyle with luxurious amenities for its residents including a resort-style pool, beautiful surrounding parks, and water-based activities on the nearby lake.

Image of Travis Ranch Neighborhood

Travis Ranch

Travis Ranch is a family-focused neighborhood that is nestled along FM 740 and the shores of Lake Ray Hubbard. Homeowners in this peaceful community have access to a swimming pool, children's splash pad, and an onsite hockey rink!

Image of Grayhawk  Neighborhood


The quiet neighborhood of Grayhawk is tucked away off of Walnut Lane just north of I-20. Homeowners in this beautiful community enjoy the best of country living while also being close to big-city attractions and shops. Lake Ray Hubbard is a quick drive away as well as Forney Community Park.

Local Home Resources in Forney, TX

Fire Departments
Fire Wagon205 W Broad St
Forney, TX 75126
(972) 552-5255
Police Departments
Dallas Police Dept10625 E CLOVER LN
FORNEY, TX 75126-7936