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

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Harlingen, TX

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Harlingen Home Insurance Made Easy: We Shop. You Save.


How Much Does Harlingen, TX Homeowners Insurance Cost?

The average cost of homeowners insurance in Harlingen, TX is about $2,204 each year. At TGS Insurance, our Harlingen, TX customers pay an average of $1,371 per year for their home insurance, which means they are saving an average of $833 annually on homeowners insurance!

What Will A Standard Harlingen, TX Homeowners Insurance Policy Cover?

Homeowners insurance offers financial protection against accidents, theft, and disasters. Your policy will specifically state what is covered so it’s important as a homeowner, to understand what protection you do and don’t have so you’re not left surprised should a disaster strike and you find yourself with the bill and no assistance from your insurance company. Let’s review some of the most common types of coverage you’ll see listed in your policy: 

Coverage A – Dwelling

This coverage protects the physical structure of your home including all plumbing, wiring, heating, and permanent air-conditioning systems. A good point of reference is to have enough coverage to rebuild your home to its current value.

Coverage B – Other Structures

Other structures coverage provides protection for structures other than your house such as a detached garage, a fence, or a free-standing shed. 

Coverage C – Personal Property

Personal Property coverage will protect anything inside your home including appliances, clothing, electronics, and furniture, as well as more valuable items like art, collectibles, or jewelry (up to the limit designated in your policy).

Coverage D – Loss of Use

Loss of Use coverage will provide financial assistance while your home is being repaired should your home be deemed unlivable due to a named peril in your policy such as a fire or hurricane.

Coverage E – Personal Liability

Personal liability protects you against lawsuits for bodily injury or property damage that you or a member of your household caused to someone else.

Coverage F – Medical Payments to Others

This type of coverage covers the medical fees for anyone injured on your property. It’s important to note, this does not cover medical bills for you or members of your household. 

At TGS Insurance Agency, our independent agents are dedicated to working with you to build an insurance policy that is tailored to your specific needs- including helping you determine what level of each type of coverage you need to be fully protected.

Common Additional Home Coverages in Harlingen, TX

Flood Insurance: Water damage caused by a flood is not covered by your standard homeowners insurance policy, therefore homeowners seeking this type of protection need to purchase a flood insurance policy. Flood insurance will cover any water damage to your home and personal belongings as a direct result of a flooding event, such as a hurricane. The average policy in Texas is $634 per year but will vary depending on where your home is located. At TGS Insurance, we shop your policy through both private and government insurers to secure our clients the best coverage at a rate that doesn’t break the bank.

Hail/Windstorm Insurance: Wind and hail damage make up 34% of claims filed by homeowners every year, which is mostly attributed to the sheer number of hurricanes, tornadoes, and thunderstorms Texas gets. It’s important for every homeowner to have the right wind and hail coverage because, without it, you could be stuck paying out-of-pocket for repairs, which average about $11,200 according to the Insurance Information Institute (III). At TGS Insurance, we want you to be prepared for anything, which is why we automatically write in a 2% wind/hail deductible into every single policy we write for Harlingen, TX homeowners!

Water Backup: Water backup is a popular add-on coverage that can help homeowners get financial protection from water damage caused by a sewer line backup, backed-up drain, or sump pump. It also provides coverage for mold damage caused by water back-up. Water backup coverage is not covered in your standard home insurance policy, therefore you’ll need to get it as a policy add-on. The average cost is $50-$250 per year with protection starting at $5,000!

We’re Your “One-Stop-Shop” for Insurance – Bundle Our Services and Save! 

Bundling your home and auto insurance policies can qualify you for major savings. Do you have a boat or a motorcycle? Talk to your TGS Insurance agent about bundling your policies together so you can save more! 

Zip Codes in Harlingen, TX That We Insure:

  • 78550
  • 78551
  • 78552
  • 78553
  • 78586

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 Harlingen, 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 Harlingen's Premier Home Insurance Provider

Harlingen neighborhood

Harlingen is a city located in south Texas in the Rio Grande Valley and is 30 miles from the U.S.- Mexico border. Harlingen, TX like most of its neighboring cities, is well-known for its one-of-a-kind wildlife and beautiful landscape. The city offers its residents tons of shopping, unlimited birding, historic sites, and art. It's easy to see why thousands of Texans call Harlingen, TX home!

Harlingen neighborhood

Residents of Harlingen, TX all want an exceptional homeowners policy that meets their needs and saves them money. At TGS Insurance, we shop your policy with 35+ carriers to find Harlingen, TX residents the best policy at a great rate! As a Texas owned agency with thousands of customers, great customer service, and extensive industry knowledge- we win business from Harlingen, TX homeowners every day!

Key Home Statistics in Harlingen


Total Population in Harlingen, TX


Average Home Value in Harlingen, TX


Median Household Income in Harlingen, TX


Median Age in Harlingen, TX

Trust TGS Insurance in Harlingen

Data as of May 29, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Major Neighborhoods in Harlingen, TX

Image of Adam's Crossing Neighborhood

Adam's Crossing

Adam’s Crossing is a wonderful suburban subdivision on the northeastern side of Harlingen, Texas. Residents can enjoy a quick commute to the Valley International Airport with many places of education around including Texas State Technical College Harlingen.

Image of Stonebriar Estates Neighborhood

Stonebriar Estates

Stonebriar Estates is on the northwest side of Harlingen, Texas, offering its residents a family-friendly neighborhood with great homes in South Texas. Residents are close to the nearby Harlingen Country Club which features a golf course.

Image of Knotty Pine Neighborhood

Knotty Pine

Knotty Pine is a newer community found on the west side of Harlingen, Texas. There are many local businesses around the community with residents capable of also enjoying both the Stuart Place Country Club and Harlingen Country Club nearby.

Image of Wildwood Neighborhood


Wildwood is a family-friendly neighborhood nestled just north of downtown Harlingen, TX. Zavala Park as well as Zavala Elementary School are only a short drive away with residents surrounded by local shops and restaurants.

Image of Sun Country Estates Neighborhood

Sun Country Estates

Sun Country Estates is a quiet community located in the southwest portion of Harlingen, Texas. Here, residents can enjoy a more suburban feel while maintaining proximity to many shops and places to eat including the Valle Vista Mall.

Image of Stuart Place Neighborhood

Stuart Place

Stuart Place in Harlingen, Texas, is filled with plenty of shops, eateries, entertainment, and other small businesses. Residents are afforded quality suburban living while enjoying a range of amenities including a golf course.

Local Home Resources in Harlingen, TX

Police Departments
Cameron County Sheriff's Ofc608 E Harrison Ave
Harlingen, TX 78553
Highway Patrol1630 N 77 Sunshine Strip
Harlingen, TX 78553
Highway Patrol1630 N 77 Sunshine Strip
Harlingen, TX 78550