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

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Galveston, TX

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Straightforward Galveston Home Insurance with Hassle-Free, Accurate Quotes in Seconds!


How Much Does Galveston Homeowners Insurance Cost?


Homeowners insurance in Galveston, TX can cost around $1,937 per year. With TGS Insurance, our customers in Galveston, TX are paying around $900, which means our customers are saving $1,037 annually! 


What Galveston, TX Homeowners Insurance Add-Ons Are Available That Will Further Protect You?

Depending on where you live, there are some available insurance add-ons that you’ll want to consider to keep you financially protected from unforeseen disasters. 


If you live in a coastal region, near a river, or a designated flood zone, it’s a great idea to look into buying flood insurance. Contrary to popular belief, home insurance does not cover damages sustained by a flood therefore if you want full protection against the elements, flood insurance is a must. 


Many standard homeowners insurance policies don’t cover damage to property caused by sewer backup and drain problems. TGS Insurance agents always offer their clients this additional add-on starting at $5,000 in damages because it provides just a bit more peace-of-mind to our clients, knowing they’re covered for anything.  


If your home is located in a region where hailstorms or windstorms are common due to tornados, hurricanes, or tropical storms, most homeowners will want to consider wind or hail storm coverage. At TGS Insurance, we believe your home insurance policy should offer coverage for all the elements, which is why we automatically write in a 2% wind/hail deductible into every policy! 


Lastly, we recommend an umbrella policy for any homeowner looking to extend their coverage for even more financial protection. Owning a luxury car, swimming pool, trampoline, or boat can put you at risk of being sued for more than what a standard homeowners insurance policy will cover. And if you’re found liable and you’ve exceeded your coverage limits, you’re on the hook to cover the rest. An umbrella policy will help add extra financial padding and protect you from losing everything you own. 


At TGS Insurance, We’ll Find the Right Homeowners Insurance Coverage to Meet Your Needs

Understanding your home insurance policy can be a bit tricky since it’s usually filled with a bunch of industry terms that can be a bit confusing. Check out the video below that breaks down everything you need to know about homeowners insurance and will help you better understand your policy! 

Common Galveston, TX Home Insurance Questions from Our Clients


Are appliances covered under homeowners insurance?

Under your standard homeowners insurance policy, appliances are considered “personal property” therefore are protected from any peril such as fire, smoke, wind, or any other peril named in your policy. Home insurance will not cover the cost of repairing your appliances due to age, lack of maintenance, or general wear and tear. 


Are fires covered by home insurance?

Your homeowners insurance policy will cover you should your home or personal belongings become damaged as a result of a fire. Your standard policy will usually help pay for any repair or replacement costs. Additionally, your policy may help cover landscaping should a fire destroy trees or shrubs on your property. 


Can I buy homeowners insurance online?

Yes, you can usually buy homeowners insurance online. However, you may need to speak with an agent to verify coverage information to ensure your policy offers all the right protection you need. TGS Insurance offers its customers a way to buy insurance online in an easy, seamless way that takes the hassle out of buying home insurance. 


Our Featured Agents Are Ready to Help You With Your Galveston, TX Homeowners Insurance:

TGS Insurance is here to help you get the homeowners insurance you want at the right price. We don’t believe our customers should overpay for insurance, which is why our team will shop your policy with over 35+ A-Rated carriers such as Progressive, Nationwide, Lighthouse, and others to ensure you always get the most coverage at a competitive rate in Galveston, TX. Homeowners in Galveston, TX can have peace-of-mind knowing they’re working with the best in Texas to protect what they love most. 

Zip Codes in Galveston, TX That We Insure:


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

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

Galveston neighborhood

Galveston was founded in 1836 and resides in Galveston County. The city lies along 32 miles of beach and offers an array of activities to do. Whether you like laying on the beach or going to amusement parks, there’s something to do for everyone. TGS Insurance Agency is one of the top insurance providers for Galveston locals.

Galveston neighborhood

Galveston homeowners all want an exceptional homeowners policy at a great rate. At TGS Insurance, we shop your insurance with 35+ carriers to find Galveston residents the best policy. As a locally owned agency with thousands of customers, great customer service and extensive knowledge- we win business from Galveston residents every day.

Key Home Statistics in Galveston


Total Population in Galveston, TX


Average Home Value in Galveston, TX


Median Household Income in Galveston, TX


Median Age in Galveston, TX

Trust TGS Insurance in Galveston

Data as of April 24, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Major Neighborhoods in Galveston, TX

Image of Galveston Outlots Neighborhood

Galveston Outlots

Galveston Outlots stretches along Seawall Blvd. Near the area is Pleasure Pier, Galveston College, The Bryan Museum and a variety of local restaurants and shops.

Image of Sea Isle Neighborhood

Sea Isle

Sea Isle resides along Termini-San Luis Pass Road. Near the neighborhood is Dos Vacas Muertas Bird Sanctuary, Sea Isle Pier and Jamaica Beach City Park.

Image of Pirates Beach Neighborhood

Pirates Beach

Pirates Beach is located along Termini-San Luis Pass. It is conveniently close to Galveston Island State Park, Galveston Country Club and Laffite’s Cove.

Image of Downtown Galveston Neighborhood

Downtown Galveston

Downtown Galveston resides along The Strand. There are endless amounts of activities to do from local eateries, shopping, museums and mansion tours.

Image of Denver Neighborhood


Denver is nestled in between Broadway Avenue J and Seawall Blvd. Near the neighborhood is Moody Gardens, Schlitterbahn Waterpark and Offatts Bayou.

Image of Terramar Neighborhood


Terramar is located off of Termini-San Luis Pass Road. Near the area is Pepper Pavilion, San Luis Pass County Park and several local shops.

Local Home Resources in Galveston, TX

Fire Departments
Fire Station428 Church St
Galveston, TX 77550
(409) 766-3306
Galveston City - Fire Dept- Administration823 25th St
Galveston, TX 77550
(409) 797-3850
Galveston City - Fire Dept- Fire StationScholes International Airport at Galveston (GLS)
Galveston, TX 77550
(409) 741-4602
Galveston City - Fire Dept- Fire Station No 556th St
Galveston, TX 77551
(409) 741-4618
Galveston City - Fire Dept- Fire Station No 821710 South Shelby
Galveston, TX 77554
(409) 737-2134
Galveston Fire Dept2514 Sealy St
Galveston, TX 77550
(409) 797-3865
Galveston-City - Fire Dept- Fire Station No 73902 Buccaneer Blvd
Galveston, TX 77554
(409) 737-4324
Police Departments
Jamaica Beach Police Dept16628 Termini San Luis Pass Rd
Galveston, TX 77554
Tiki Island Police Dept747 Tiki Dr
Galveston, TX 77555