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

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Homeowners Insurance  »  Texas  »  

Houston

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?  

The average cost of homeowners insurance in Houston is about $2,247/year. The average TGS Insurance policy for Houston is $1,747, which means our customers are saving an average of $500 per year. In just a few minutes, you could be saving too!

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? 

Houston homeowners insurance provides financial protection for your home and personal belongings from any weather-related or catastrophic events. A typical Houston homeowners insurance policy covers your home and any detached structures and personal belongings such as furniture, technology items, jewelry, and other valuables. Policies also include coverage for loss of use or your home and financial assistance should someone be injured on your property. 

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

Interested in How Houston Home Insurance Costs Compare to Other Major Cities in Texas?

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Home Insurance Carriers in Houston, 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
Geico 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
PersonalUmbrella.com 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 Houston's Premier Home Insurance Provider

Houston neighborhood

The thriving city of Houston is the fourth-largest city in the country and was established in 1837 in Harris County. Houston is home to over 2.3 million residents and continues to grow every day. Houston's colorful community is built upon different cultures and lifestyles, along with thriving businesses, popular sports teams and award-winning restaurants. TGS Insurance Agency is proud to be one of the top insurance providers for Houstonians.

Houston neighborhood

TGS Insurance is a Houston-based insurance agency that provides home insurance to Houston and the surrounding areas from many top-rated providers. Houstonians all want the same thing- the best home insurance policy at a great rate. As an independent agency with thousands of customers, 35+ carriers and exceptional customer service, we win business from Houston residents every day.

Key Home Statistics in Houston

2,320,268

Total Population in Houston, TX

$189,846

Average Home Value in Houston, TX

$63,802

Median Household Income in Houston, TX

33

Median Age in Houston, TX

Trust TGS Insurance in Houston

Data as of October 14, 2024

24,189

Total
Customers

$10.1 B

Total Assets Covered Projected

24,000

Total Homes Insured

9,000

Total Vehicles Insured

Major Neighborhoods in Houston, TX

Image of Tanglewood Neighborhood

Tanglewood

Tanglewood is located off of San Felipe Road in Uptown Houston. Near the area are award-winning restaurants, The Galleria and Tanglewood Park.

Image of Greater Heights Neighborhood

Greater Heights

The Heights is nestled between 610 and I10. The neighborhood is conveniently close to a variety of parks, as well as iconic restaurants and bars.

Image of West University  Neighborhood

West University

West University is on the corner of I-69 and 610. Residents are conveniently close to the Houston Zoo, Rice University, Herman Park and Texas Medical Center.

Image of River Oaks Neighborhood

River Oaks

River Oaks is on San Felipe Street. The neighborhood is close to River Oaks Country Club, Memorial Park, The Galleria and Bayou Bend Collection and Gardens.

Image of Rice Village Neighborhood

Rice Village

Rice Village is just off of Kirby Drive. The neighborhood is conveniently close to Rice University, The Museum District, NRG Stadium and Texas Medical Center.

Image of Midtown Neighborhood

Midtown

Midtown is located just a block from downtown Houston between I-45 and I-69. Residents in this vibrant-area are surrounded by local parks like Discovery Green or Midtown Park, unique restaurants, entertainment venues and museums.

Local Home Resources in Houston, TX

Fire Departments
Aldine Community Fire Dept1009 Aldine Bender Rd
Houston, TX 77032
(281) 590-8184
Aldine Fire Dept1403 E Richey Rd
Houston, TX 77073
(281) 821-6365
Champion Area Volunteer Fire12730 Champion Forest Dr
Houston, TX 77066
(281) 444-2014
Cloverleaf Volunteer Fire Dept911 Hollywood St
Houston, TX 77015

Community Volunteer Fire Dept16003 Bellaire Blvd
Houston, TX 77083
(281) 498-1310
CY Fair Volunteer Fire Department7922 Highway 6 N
Houston, TX 77095
(281) 345-8218
Cy-Fair Voltr Fire Department Station 516035 Aspenglenn Dr
Houston, TX 77084
(281) 859-0081
Cy-Fair Volunteer Fire Department9630 Telge Rd
Houston, TX 77095
(281) 656-3840
Fire Station 5810413 Fulton St
Houston, TX 77076
(713) 692-1945
Houston Fire Dept11410 Beamer Rd
Houston, TX 77089

Ponderosa Fire Dept16650 Sugar Pine Ln
Houston, TX 77090

Police Departments
Bunker Hill Police Dept11981 Memorial Dr
Houston, TX 77299
7133653700
Harris County Sheriff1301 Franklin St
Houston, TX 77299
7132216000
HARRIS COUNTY SHERIFF1200 BAKER ST
HOUSTON, TX 77299
7132216000
Harris County Sheriff1200 Baker St
Houston, TX 77002
7132216000
Harris County Sheriff Dare9111 Eastex Fwy # 300
Houston, TX 77299
7132253273
Harris County Sheriff-Recruit601 Lockwood Dr
Houston, TX 77299
7139218891
Harris County Sheriff's Dept14350 Wallisville Rd
Houston, TX 77299
7134558050
Harris County Sheriff's Office3450 W DALLAS ST
HOUSTON, TX 77019
7132747400
Hedwig Village Police Dept9000 Gaylord Dr
Houston, TX 77024
7134614797
Highway Patrol12230 West Rd
Houston, TX 77299
2815171200
Houston Police Dept9455 W Montgomery Rd
Houston, TX 77088
2814055300
Houston Police Dept105 Greenspoint Mall # A
Houston, TX 77299
2818756155
Houston Police Dept105 Greenspoint Mall
Houston, TX 77060
2818756155
Houston Police Dept1050 Quitman St
Houston, TX 77009
7132225196
Houston Police Dept1200 Travis St
Houston, TX 77002
7133083200
Houston Police Dept6308 Richmond Ave
Houston, TX 77057
7137352062
Houston Police Dept8751 Broadway St # 3102
Houston, TX 77061
7138474155
Hunters Creek Vlg Police Dept11981 Memorial Dr
Houston, TX 77024
0
Jacinto City Police Dept10429 Market Street Rd
Houston, TX 77029
7136722455
Memorial Villages Police Dept11981 MEMORIAL DR
HOUSTON, TX 77024-6231
7133653700
Metro Police Dept69220 KATY RD
HOUSTON, TX 77024
7138813313
Nassau Bay City Police DeptPO Box 58448
Houston, TX 77299
2813334200
Nassau Bay City Police DeptPo Box 58448
Houston, TX 77258
2813334200
Nassau Bay City Police Dept1800 Nasa Rd 1
Houston, TX 77299
2813351555
NASSAU BAY POLICE DEPT18100 UPPER BAY RD # A
HOUSTON, TX 77299
2813332212
Nassau Bay Police Dept1800 Nasa Rd 1
Houston, TX 77299
2813332301
Pasadena Police Dept17200 Middlebrook Dr
Houston, TX 77299
2812187092
PATROL CRIMINAL WARRANTS16603 BUCCANEER LN # 104
HOUSTON, TX 77299
2814884040
PTRA RAILROAD POLICE8934 MANCHESTER ST
HOUSTON, TX 77299
7136733584
Southside Place Police Dept6309 Edloe St
Houston, TX 77299
7136682341
TEXAS SOUTHERN POLICE3100 CLEBURNE ST
HOUSTON, TX 77299
7133137296
Texas Southern Police3100 Cleburne St
Houston, TX 77004
7133137296
UNIV-HOUSTON POLICE DEPT3869 WHEELER ST
HOUSTON, TX 77299
7137430580
Univ-houston Police Dept3869 Wheeler St
Houston, TX 77204
7137430580
WEST UNIVERSITY PLACE POLICE3814 UNIVERSITY BLVD
HOUSTON, TX 77299
7136680330
West University Place Police3814 University Blvd
Houston, TX 77005
7136680330