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Garland, TX

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How Much Does Garland Home Insurance Cost?

Home insurance in Garland, TX costs an average of $2,713 per year. The cost of home insurance will vary home to home, even within close distance, because home insurance premiums are quotes based on the amount of risk an insurance company determines it will take on to insure your home based on a unique set of factors. While the exact formula and factors vary from carrier to carrier, some of the most common factors that influence your home insurance premium are:

  • Weather events (tornadoes, hail, tropical storms/hurricanes, etc.)
  • How old your home is, your home’s building materials, and square footage of your home
  • The crime rate in your area
  • Your claims history
  • The coverage options you enroll in
  • Discounts available to you
  • Your credit score (the lower your score, the higher your monthly premium)
  • The condition and age of your roof
  • The deductible amount you select

As you can see, some of these are out of your control, however, others can be adjusted. Oftentimes, carriers will offer discounts for bundling multiple policies or utilizing a monitored security system. Additionally, by choosing a higher deductible, you will have a lower monthly premium- but this also means you will have to pay more upfront if you were to file a claim. It is important to discuss your needs with an agent who can help you find the right coverage tailored to your needs so that your home insurance has you covered if you ever need it!

At TGS Insurance, our average customer in Garland, TX pays $1,423 per year for homeowners insurance. That’s an annual savings of $1,290 under the city average!

How Do I Get The Best Garland Homeowners Insurance?

For homeowners in Garland, TX, finding the best homeowners insurance is easy thanks to our proprietary online quoting tool. Your free, no-obligation quote is created in 15 seconds or less by just entering your address! From here, you instantly receive a personalized home insurance quote from TGS Insurance. After your quote is delivered, your dedicated insurance agent will work with you to answer a few questions about your home to better customize your coverage and tailor it to your needs. We keep you covered for less without cutting your protection!

Home Insurance FAQs from Our Customers in Garland, TX


Does homeowners insurance cover damage to my neighbor’s property?

Your homeowners insurance will cover damage up to a particular limit, usually around $1,000, for covered perils that cause damage to your neighbor’s property. Because laws and policy stipulations can vary, it is best to contact your home insurance agent to better understand this part of your coverage. 


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

Yes, even if your home is paid off, it is always recommended that homeowners remain insured. If your home were to experience a peril such as a fire and you are uninsured, even if it is paid off, you’ll be stuck paying out-of-pocket for the repairs to not only your home but the contents inside that would otherwise be covered. If you own a home, you need home insurance.


Will homeowners insurance cover water damage?

Water damage that is of an accidental and sudden nature and caused by a covered peril will be covered by your homeowners insurance. If the water damage is caused by normal wear and tear or a flood event, your policy will not cover it.

Zip Codes in Garland, TX That TGS Insurance Agency Insures:


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 Garland, TX

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

TGS Insurance is Garland's Premier Home Insurance Provider

Garland neighborhood

Garland, TX, is a suburb of Dallas located northeast of the city. Closer to Lake Ray Hubbard and home to the Rowlett Creek Reserve, its residents enjoy nature while still remaining conveniently located close to some of the best city life in Texas! Offering a community feel with many modern amenities, Garland residents receive the best of both worlds with various parks, shops, eateries, and other forms of entertainment all around them.

Garland neighborhood

Homeowners of Garland love their community and are all looking for the same thing- the best homeowners insurance coverage at the lowest rate on the market. TGS Insurance finds the best policies for our customers by shopping through our bank of 35+ top-rated carriers. As a Texan owned agency, TGS Insurance wins business from homeowners of Garland, TX, every day with our great customer service and extensive industry knowledge.

Key Home Statistics in Garland


Total Population in Garland, TX


Average Home Value in Garland, TX


Median Household Income in Garland, TX


Median Age in Garland, TX

Trust TGS Insurance in Garland

Data as of August 02, 2021




Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Major Neighborhoods in Garland, TX

Image of Club Creek Neighborhood

Club Creek

A quiet community near Lake Ray Hubbard, Club Creek is a family community located near various shops and restaurants.

Image of Camelot Neighborhood


Established in 1980, Camelot has grown into a flourishing community known for its hospitality and recreation.

Image of Greens Neighborhood


Greens is located appropriately near multiple golf courses and parks located in northern Garland.

Image of Oakridge Neighborhood


Oakridge is a small community with easy access to various restaurants, recreational activities, shops, and the Duck Creek Golf Club.

Image of Dalcastle and Linda Heights Neighborhood

Dalcastle and Linda Heights

Dalcastle and Linda Heights is one of the communities of Garland with the best access to Dallas but is home to many shops and places to eat and play.

Image of Windsor Park Neighborhood

Windsor Park

Windsor Park is close enough to enjoy the fast travel of Interstate 30 yet far away enough to enjoy a peaceful, small community.

Local Home Resources in Garland, TX

Fire Departments
Garland City - Fire Department- Administration217 N 5th St
Garland, TX 75040
(972) 205-2250
Police Departments
Garland Police Dept1891 Forest Ln
Garland, TX 75042
Garland Police Patrol Div1891 Forest Ln
Garland, TX 75042