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

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Highlands, TX

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Highlands Homeowners Insurance Made Effortless with Quick, Accurate Quotes!


Comparison Shop Home Insurance in Highlands, TX from Multiple Carriers in Minutes!


Did you know that only 44% of homeowners comparison shop their policy when it is up for renewal? Shopping and comparing different insurance policies allows you to see the different types of coverage and price options you have available to you. With TGS Insurance, we shop your policy when you first enroll and every year after during your renewal period from over 35+ highly-rated insurance providers to make sure you are getting the best price and the coverage you need, year after year.


How Much is Home Insurance in Highlands, TX?


The average cost for home insurance in Highlands, TX is about $1,169 each year. The average savings for our Texas customers is about $870 each year on homeowners insurance when they shop for insurance through TGS Insurance!


Comparing the Average Cost of Homeowners Insurance in Highlands By Dwelling Coverage Limit

Coverage LevelAverage Annual Premium (incl. Wind Coverage)
$75k Dwelling$1,784
$150k Dwelling$2,515
$200k Dwelling$3,009
$350k Dwelling$4,423

*Information used from Help Insure from the Texas Department of Insurance. Averages are based on quotes for a homeowner with average credit, no claims within the past 5 years, and a brick home between 10-34 years of age in Highlands, TX. Includes Wind Coverage.

How Much is Flood Insurance in Highlands, TX?

In Texas, the average cost for flood insurance is about $634 each year, but the price will vary depending on where you live. Highlands, TX is right outside of Houston, where our TGS Insurance customers pay about $518 each year for flood insurance. That means our customers are saving $116 annually under the average!

Highlands, TX is nestled between Bear Lake and Burnet Bay and also pretty close to the Texas coastline, which means homeowners are more likely to be at risk for flooding. Highlands, TX gets about 56 inches of rainfall each year from the number of tropical storms, hurricanes, and severe storms that can come in through the gulf. It’s important to remember that enough heavy rainfall can lead to flooding, and even just one inch of water can cause $25,000 in damages to your home.  If you live in Highlands, TX it’s highly encouraged to have flood insurance to fill any gaps in coverage left out of your homeowners insurance policy.

Additional Home Coverages Popular in Your Area:


Hailstorm Insurance: If you live on the Texas coast or in Harris County on Galveston Bay, your standard homeowners insurance policy will not cover hail damage. Highlands, TX homeowners can add this to their policy to ensure their home and personal belongings are protected from damages caused by hail.


The TGS Difference: To make sure your Highlands, TX home is fully protected, we automatically write-in hail protection as a part of your standard home insurance policy with a 2% hail/windstorm deductible that can be tailored to your insurance preference.


Windstorm Insurance: Homeowners who live along the Texas coastline, may be excluded from having windstorm protection from their homeowners insurance policy, requiring them to purchase separate windstorm coverage. Windstorm insurance usually offers protection for your home and personal items from gusty storms like tornadoes, tropical storms, and hurricanes. In Texas, the average cost for windstorm insurance is about $1,600 each year, but the price can change depending on where you live.


The TGS Difference: We want our Highlands, TX customers to have the most protection without having to pay a higher price, so that is why we include a 2% wind/hail deductible into all of our homeowners insurance policies.


Bundle Your Home and Auto Policies for Added Savings!


By combining your home and auto insurance policies under one insurance provider, Highlands, TX homeowners save up to an additional 15-20% on their premiums.


At TGS Insurance, we take away the stress of shopping and comparing premium prices. Our agents will search through our bank of 35+ A-rated (or higher) insurance providers to find you the best bundling options for your home and auto policies!


Zip Codes in Highlands, TX That We Insure:


  • 77530
  • 77562

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 Highlands, 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 Highlands' Premier Home Insurance Provider

Highlands neighborhood

Highlands, Texas was established in 1930 and is located in eastern Harris County. The city received its name because when it was discovered on the east side of the San Jacinto River, it was higher than the west side! Highlands residents use TGS Insurance as one of their leading providers for home insurance.

Highlands neighborhood

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

Key Home Statistics in Highlands


Total Population in Highlands, TX


Average Home Value in Highlands, TX


Median Household Income in Highlands, TX


Median Age in Highlands, TX

Trust TGS Insurance in Highlands

Data as of May 28, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Major Neighborhoods in Highlands, TX

Image of Coleman Heights Neighborhood

Coleman Heights

Coleman Heights is located along South Main Street. Near the area is White Lake, Stratford Park, a tennis court and Highland Community Center.

Image of Frank's Country Manor Neighborhood

Frank's Country Manor

Franks Country Manor is nestled off of East Wallisville Road. Near the area is Highlands Sports Complex, Kaminski Park and Carp Fishing.

Image of Highland Ridge Neighborhood

Highland Ridge

Highland Ridge is located along Barbers Hill Road. Residents are close to Highlands Reservoir, Little Yellow Pond and a variety of local businesses.

Image of Nowlingshire Estates Neighborhood

Nowlingshire Estates

Nowlingshire Estates is located on Tracy Lane. The neighborhood is close to Edna Mae Washington Park, Goose Creek and a variety of churches.

Image of Orchard Crossing Neighborhood

Orchard Crossing

Orchard Crossing is located off of North Main Street. Near the neighborhood is Kaminski Park, San Jacinto River and Rio Villa Nature Trail.

Image of Highland Woods Neighborhood

Highland Woods

Highland Woods is nestled on the coast of the San Jacinto River. Near the area is Baytown Boat Club, tennis courts and the Highlands Community Center.