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

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How Much Does Hitchcock, TX Homeowners Insurance Cost?

Homeowners insurance in Hitchcock, TX averages $1,638 per year. With TGS Insurance, our average customer saves around $870 per year on their homeowners insurance with some saving substantially more!

What Additional Coverages Are Available to Homeowners in Hitchcock,TX?


Owning a home can present its own set of challenges and surprises and depending on where you live, the weather can be a bit wild and unpredictable. To ensure you’re fully protected for anything, you may want to consider a few additional insurance add-ons to your homeowners insurance policy to round out any gaps in coverage. 


Hitchcock, TX is nestled just along the Gulf of Mexico and receives an average of 50 inches of rain per year, a massive 22-inch difference from the Texas statewide average. This is largely because of the sheer number of hurricanes, tropical storms, and heavy rainstorms that hit the Texas coastline. We highly recommend all Hitchcock homeowners purchase a flood insurance policy to protect against any water damage as a result of a flood. Contrary to popular belief, flood damage is not covered by homeowners insurance, Therefore to stay protected against all the elements, you should consider a flood insurance policy. The average flood insurance policy can cost on average about $634 per year but can vary depending on your home’s location. 


Your standard home insurance policy will cover for some water damage if deemed sudden or accidental. Your flood insurance policy will cover water damage as the result of a flood. But what about water damage incurred from a sewer or drainage backup? You’ll need a water backup add-on to your homeowners insurance policy for that type of coverage. This add-on can cost anywhere between $50-$250 annually depending on your risk and coverage limits. Coverage starts at $5,000 and can go upwards of $25,000. 


Hitchcock, TX is right along the Texas coastline and homeowners are all too familiar with the damage wind and hail can wreak on their homes. To ensure our clients are protected for anything, we automatically include a 2% wind/hail deductible into every single homeowners insurance policy we write. This coverage can be easily customized based on your preferences! 


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


We know homeowners insurance can be a bit confusing and we want to help make it easier to understand. Check out the video below breaking down everything you need to know about homeowners insurance!

Common Home Insurance Questions from Our Customers in Your Area


Will homeowners insurance cover water damage?

Usually, homeowners insurance will cover water damage depending on what caused it. Water damage due to something accidental or sudden like a burst pipe is usually covered. However, if the water damage is the result of negligence or lack of maintenance, you’re on the hook. Water damage from a flood or sewer backup is also not covered by homeowners insurance.


Will homeowners insurance pay for a new roof?

Homeowners insurance will pay for a new roof if the damage occurred due to a named peril in your policy such as hail. Additionally, if your roof became damaged as the result of a fallen tree, that also would be covered by homeowners insurance.


Are homeowners insurance rates going up?

Yes, homeowners insurance rates are going up, as much as 59% since 2010. A few reasons being an increase in natural disasters such as hurricanes, wildfires as well as an increased cost of construction.  

Our Local, Independent Agents Are Ready to Help You With Your Hitchcock, TX Homeowners Insurance:


TGS Insurance agents are ready to provide Hitchcock, TX homeowners with an easy and seamless home insurance shopping experience. We don’t believe you should ever sacrifice coverage for an affordable rate and vice versa. This is why we shop your policy with over 35+ A-Rated carriers to ensure you get a winning deal every single time.

Zip Codes in Hitchcock, TX That We Insure:


  • 77510
  • 77517
  • 77563

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 Hitchcock, 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 Hitchcock's Premier Home Insurance Provider

Hitchcock neighborhood

Hitchcock, Texas settled around 1846 and is located in Galveston County. The city used to be referred to as Highland for its location on the bayou’s high banks. Today, Hitchcock is a developed suburb that 7,900 residents call home. TGS Insurance is proud to be one of Hitchcock’s leading home insurance providers.

Hitchcock neighborhood

TGS Insurance works with top-rated carriers and only offers the best home insurance policy at a great rate to Hitchcock residents. As an independent agency with thousands of customers, 35+ carriers and exceptional customer service- we win business from Hitchcock residents every day.

Key Home Statistics in Hitchcock


Total Population in Hitchcock, TX


Average Home Value in Hitchcock, TX


Median Household Income in Hitchcock, TX


Median Age in Hitchcock, TX

Trust TGS Insurance in Hitchcock

Data as of May 29, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Major Neighborhoods in Hitchcock, TX

Image of Harborwalk  Neighborhood


Harborwalk is nestled on Galveston Bay and creates easy access to the open waters of the Gulf. The neighborhood has an impressive marina, yacht club and several luxurious amenities.

Image of Garden Terrace  Neighborhood

Garden Terrace

Garden Terrace is located along Highway 6. The neighborhood is conveniently close to Hitchcock High School and Hitchcock City Park.

Image of Shannon Neighborhood


Shannon is located off of Highway 6 and resides in the heart of Hitchcock. Near the area is the public library, city hall and a variety of local businesses.

Image of Highland Bayou Estates Neighborhood

Highland Bayou Estates

Highland Bayou Estates is located off of Beltway 6 right on the bay. Residents enjoy waterfront properties, water-based activities and various local eateries.

Image of Pecan Wood Estate  Neighborhood

Pecan Wood Estate

Pecan Wood Estates resides off of Main Street. Near the neighborhood is Galveston Co Department Parks, Hitchcock Cemetery and a range of local businesses.

Image of Flakes Neighborhood


Flakes neighborhood is located off of Highway 6. Near the area is Joe Moore Park, as well as various churches, restaurants and shops.

Local Home Resources in Hitchcock, TX

Fire Departments
Bayou Vista Volunteer Fire Fighters Association2929 Highway 6
Hitchcock, TX 77563
(409) 935-5750
Fire Department To Report Fires7003 2nd St
Hitchcock, TX 77563
(409) 986-7131
Police Departments
Hitchcock Police Dept6815 2nd St
Hitchcock, TX 77563