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

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Granbury, TX

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Enjoy Granbury Home Insurance with Better Coverage & Lower Monthly Payments!


How Much Does Home Insurance in Granbury, Texas Cost? 

In Granbury, Texas, the average cost for homeowners insurance is about $1,501 each year. That’s $2,228 less than the Texas average of $3,429 per year. At TGS Insurance, our average Texas customer saves over $870 per year with some saving substantially more! 


Compare the Average Cost of Homeowner Insurance in Granbury, Texas by Dwelling Coverage Limit

Coverage AmountAverage Annual Premium (incl. Wind Coverage)

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


Property Owners in Granbury, Texas Can Expect Personalized Homeowners Insurance Coverage with TGS Insurance 


The standard HO-3 home insurance policy will cover the following: 

  • The physical structure of your home and any detached structures 
  • Replacement costs 
  • Personal possessions (Only up to a certain limit per category) 
  • Loss-of-use coverage (Living costs if your home becomes unlivable due to a covered loss) 
  • Liability (Personal and medical payments) 


If you need more coverage outside the basic home insurance policy in Granbury, Texas, you can buy policy endorsements such as:

  • Flood insurance
  • Umbrella insurance 
  • Animal liability
  • Water backup coverage
  • Equipment breakdown coverage 
  • Extended replacement cost
  • Scheduled personal property 


These common endorsements can be added to your Granbury, Texas home insurance policy. Talk with your TGS Insurance agent about what other policy endorsements you can add on to help fill in coverage gaps.


These are some of the most common endorsements we see from our clients in Granbury, Texas. But be sure to talk to your TGS Insurance agent about what policy add-ons are best for you! 


Common Perils in Granbury, Texas That Every Homeowner Needs Coverage For

Granbury, Texas homeowners know all-too-well the weather challenges that come with living in the Lone Star State. Each year, Texas homeowners face devastating weather events from flooding, hail, hurricanes, tropical storms, tornadoes, and sometimes even just severe thunderstorms. It’s important to know what perils your policy covers and what it doesn’t so you’re not left surprised should you need to ever file a claim. 


Your homeowners insurance policy will cover these common perils: 

  • Fire and smoke 
  • Lightning
  • Hail and windstorms 
  • Explosions
  • Vandalism, theft, and malicious mischief 
  • Falling objects
  • Aircrafts and vehicles 
  • Riot or civil disturbance
  • Power surges
  • Weight of ice, snow, sleet 
  • Water damage (Sudden & accidental) 


It’s important to note that flood damage is not covered under your homeowners insurance policy. For full coverage against floods, you’ll need to purchase flood insurance. The average cost for a flood policy is about $634 every year, but at TGS Insurance our customers pay about $528 per year. Even if you don’t live in a flood zone or high-risk area, over 25% of flood damage claims come from homes that are located outside a flood zone. And if you also take into consideration that the average flood claim in 2018 was $42,580, you can see that a flood insurance policy is a worthy investment for all homeowners to protect their home and everything in it, should you ever be in the unfortunate situation that you experience flood damage. 


In addition to floods, Texas homeowners face more hail and wind damage than most parts of the U.S., making it crucial for Texans to have the proper windstorm and hail coverage so you’re not left paying for damages out of your own pocket. At TGS Insurance, we want you to have peace of mind knowing you’re protected for anything, which is why we automatically write a 2% wind/hail deductible into every Grandbury, Texas homeowners insurance policy we write! 


TGS Insurance is Your One-Stop Shop for Insurance in Granbury, Texas 


We don’t believe getting home insurance should be complicated or expensive, which is why we’ve built a process that makes getting home insurance with TGS Insurance as easy as 1, 2, 3! We shop your home insurance policy through our bank of 35+ A-rated (or better) carriers to find you the best coverage and rate the market has to offer. And as if delivering an exceptional home insurance policy wasn’t enough, we’ll even handle the entire enrollment process from start to finish for a seamless, stress-free shopping experience! 


Did you know you can save up to 25% on your premiums when you bundle? Ask us about bundling your various auto, motorcycle, boat, or any other policies for maximum savings! 


Zip Codes in Granbury, Texas That We Insure:

  • 76048
  • 76049


If you don’t see your zip code listed, not to worry! As long as you live in Texas we’ve got you covered with great insurance! 

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

Granbury neighborhood

Granbury, TX, is located southwest of Ft. Worth along the beautiful Brazos River and Lake Granbury. This historic city is full of charm and ample opportunity for recreational activities. TGS Insurance is proud to be one of the leading insurance providers for Granbury, TX residents!

Granbury neighborhood

At TGS Insurance, we provide exceptional home insurance to Grandbury, TX residents by shopping your policy across our bank of 35+ A-rated (or better) carriers to give you a winning rate packed with coverage. As an independent agency with thousands of customers across Texas and exceptional customer service, we win business from Granbury, TX residents every day!

Key Home Statistics in Granbury


Total Population in Granbury, TX


Average Home Value in Granbury, TX


Median Household Income in Granbury, TX


Median Age in Granbury, TX

Trust TGS Insurance in Granbury

Data as of June 13, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Major Neighborhoods in Granbury, TX

Image of Bentwater on Lake Granbury Neighborhood

Bentwater on Lake Granbury

A stunning community where residents can enjoy the beautiful countryside near Brazos Bend, Bentwater on Lake Granbury offers some of the best living Granbury, TX can offer.

Image of Rolling Creek Ranch Neighborhood

Rolling Creek Ranch

West of downtown Granbury, TX is the beautiful private neighborhood of Rolling Creek Ranch. Located near Lake Granbury and the Brazos River, homeowners can enjoy recreational fun, shops and eateries, and even a brewery.

Image of Mallard Pointe Neighborhood

Mallard Pointe

Beautiful homes adorn a classic Texan landscape at Mallard Pointe. Homeowners can enjoy the countryside while remaining a short car ride away from both the Brazos River and shops and restaurants.

Local Home Resources in Granbury, TX

Fire Departments
Dcbe Acton VOL Fire Department3600 Fairway Dr
Granbury, TX 76049
(817) 326-2659
Fire Dept For Fire Calls1701 W Pearl St
Granbury, TX 76048

Granbury Fire Dept400 Deputy Larry Miller Dr
Granbury, TX 76048
(817) 573-1122
Police Departments
Granbury Police Dept116 W Bridge St
Granbury, TX 76049
Hood County Sheriff's Office400 Deputy Larry Miller Dr
Granbury, TX 76048