Houston Homeowners Insurance Made Easy with Quick, Accurate Quotes!
Comparison Shop Home Insurance in Houston, TX from Multiple Carriers in Minutes
As a carrier-agnostic insurance agency, we don’t work for one insurance company; we work for you! When you input your address, we will search our bank of trusted carriers and find you the best policy possible to fit your needs within seconds.
How Much is Home Insurance in Houston, TX?
On average, TGS Insurance customers in Houston pay about $2,963 per year for their homeowners insurance policy. Your individual premium may be higher or lower depending on factors like your home’s size, age, construction type, deductible choices, and coverage selections. Houston’s location near the Gulf Coast, along with its exposure to hurricanes, flooding, and severe storms, can also influence insurance costs. At TGS Insurance, we shop multiple top-rated carriers to ensure Houston homeowners get the right protection at a price that fits their budget.
How Coverage Limits Impact Your Premium
Your dwelling coverage limit is the foundation of your homeowners insurance policy—it’s the maximum amount your insurer will pay to rebuild your home if it’s damaged or destroyed by a covered event. Choosing a higher limit provides more protection, but it also increases your premium since the insurer is taking on more risk. In Houston, where rebuilding costs can spike after hurricanes or widespread storm damage, it’s especially important to set limits that reflect the true cost of restoring your home. At TGS Insurance, we help Houston homeowners strike the right balance between affordability and complete protection.
Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
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$100,000 - $200,000 | $2,255 |
$200,000 - $300,000 | $2,638 |
$300,000 - $400,000 | $3,194 |
$400,000 - $500,000 | $4,041 |
$500,000 - $600,000 | $4,477 |
$600,000 - $700,000 | $5,398 |
$700,000 - $800,000 | $5,840 |
How Much is Flood Insurance in Houston, TX?
The average cost of flood insurance in Texas is $634 per year through the National Flood Insurance Program (NFIP). On average, TGS Insurance customers in Houston pay $454 per year- that’s a total average savings of $180 per year! The average flood insurance policy takes 30 days to go into effect, and some policies won’t be written due to storms, so don’t delay and get your flood insurance policy in Houston, Texas, today.
What Does Houston Home Insurance Cover?
A standard homeowners insurance policy in Houston typically includes:
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Dwelling Coverage – Protects the structure of your home against covered risks such as fire, wind, hail, theft, and vandalism.
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Personal Property Coverage – Covers belongings like furniture, clothing, and electronics if they’re damaged, destroyed, or stolen.
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Liability Protection – Provides financial protection if someone is injured on your property or if you’re responsible for damage to another person’s property.
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Loss of Use Coverage – Helps cover additional living expenses, like hotel stays and meals, if your home becomes uninhabitable after a covered event.
Every home and homeowner is unique, which is why TGS Insurance works with you to customize a policy that balances affordability with complete protection.
Additional Coverages for Your Houston Home Insurance Policy
Homeowners in Houston, TX, face unique weather-related challenges that need to be addressed in their homeowners policies. Contrary to popular belief, flood damage is not covered in the standard homeowners insurance policy. Unless it’s expressly excluded, most homeowners insurance policies will cover common perils, including theft, explosions, fire, vandalism, hailstorms, and windstorms.
Insurance Coverage for Hail Damage in Houston
Over the past 15 years, Houston, TX has recorded at least one significant hail storm per year. Damage to your roof and home could cost thousands of dollars, and often hail is not included as a typical peril of your policy.
THE TGS DIFFERENCE: We automatically write-in protection from hail as part of your standard Houston home insurance policy with a 2% hail/windstorm deductible that can easily be customized for you.
Insurance Coverage for Windstorm Damage in Houston
Houston is no stranger to windy events, and most homeowners will want to consider windstorm coverage in their homeowners insurance policy. Windstorm coverage will provide financial assistance should your home and/or personal belongings sustain damage due to a tornado, hurricane, tropical storm, or other named peril.
THE TGS DIFFERENCE: We automatically write-in protection from windstorms as part of your standard Houston homeowners insurance policy with a 2% windstorm/hail deductible. We can add or remove coverage based on your needs- its windstorm insurance easily customized for you!
Insurance Coverage for Flood Damage in Houston
Hurricane Harvey was a catastrophic event that showed every Houstonian one thing: Your home is vulnerable regardless of your location. In Houston, flood insurance can be anywhere between $400-$2,000 a year, depending on where you live. The average flood insurance policy in Houston can cost around $700 per year. The average TGS Insurance flood insurance policy is $518 per year. Homeowners in Houston, TX, can easily bundle their flood insurance with their homeowners insurance policy for maximum protection at a great price.
Houston Homeowners Insurance from Local Houstonians!
If you have additional questions or prefer to meet with an agent in person, come by our office in the Houston Energy Corridor!
Hours of Operation:
Monday: 7 AM–7 PM
Tuesday: 7 AM–7 PM
Wednesday: 7 AM–7 PM
Thursday: 7 AM–7 PM
Friday: 7 AM–7 PM
Saturday: Closed
Sunday: Closed