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

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Finding Affordable Huntsville Home Insurance Is Easier Than You Think.

Looking for home insurance can be tedious, boring, overwhelming… you name it, we’ve heard it. And we agree! That’s why TGS Insurance Agency is dedicated to doing the heavy lifting for you, starting with instantly comparing quotes from 35+ A-rated (or better) carriers to find you the best possible price in your area without having to compromise on coverage. We can provide you with your initial quote within 15 seconds with just your address. From there, if you would like to customize your policy, any of our dedicated independent agents are ready to work for you to create a policy that covers everything you need.

We shop. You Save. Yes, it really is that easy.

What Does Huntsville Home Insurance Cover?


  • Coverage for your home and additional structures on your property such as detached garages, sheds, and fences
  • Coverage for your personal belongings such as clothes, furniture, and electronics
  • Coverage for personal liability exposures that comes with being a homeowner such as a guest being hurt on your property
  • Coverage for living expenses should your home become uninhabitable, and you require temporary lodging while it is repaired or replaced


How Much is Home Insurance in Huntsville, Texas?


The average cost for home insurance in Huntsville is $ 1,087 among TGS Insurance Agency customers. This average is based on policies with an average home value of $ 217,935. While every policy is different and dependent on multiple factors, including your home’s value and coverages your choose, we have proudly been able to save our Texas customers an average of $870 per year on their home insurance premiums when they switch to us. Finding out how much you can be saving is as easy as providing your address above for an instant quote– really!


Average Home Insurance Premiums in Huntsville By Dwelling Coverage Levels


Several factors go into a carrier’s calculations for your Huntsville home insurance quote. One of the most significant factors is the level of dwelling coverage that you select. Dwelling coverage is based on the value of your home’s structure if you were to rebuild it to its current condition today. For instance, in Huntsville, carrying $150,000 dwelling coverage costs an average of $991, while increasing that coverage level to $350,000 will cost you an average of $1,432 per year. Below is a comparison of the average home insurance quote from TGS Insurance Agency in Huntsville, Texas by home value.

Home ValueAverage Annual Premium (incl. Wind Coverage)

Average Home Insurance Premiums in Huntsville By ZIP Code

Another factor that plays into your insurance rate is your location. The crime levels in your area, the number of claims filed, the proximity to a firehouse, and the proximity to a body of water are a few examples of location-based factors that carriers consider when calculating your quote.

The zip code with the cheapest home insurance quotes from TGS Insurance is 77320. The average home insurance quote in this zip code is $1,073. 

The zip code with the most expensive home insurance quotes from TGS Insurance is 77340. The average home insurance quote in this zip code is $1,095.

Average Home Insurance Quotes in Huntsville By Carrier

Each home insurance carrier sets its rates based on its own formulas, so rates will naturally vary between carriers, even for the same property.


The 3 Cheapest Home Insurance Carriers in Huntsville, Texas


Based on quotes provided by TGS Insurance, the three cheapest home insurance carriers in Huntsville, Texas are:


  1. ASI ($701 average premium)
  2. Anchor ($1,085 average premium)
  3. State Auto ($1,624 average premium) 


Huntsville Zip Codes We Insure


Zip code not listed? Don’t worry! We’re able to help homeowners throughout Texas save money on their home insurance. Get started with a free instant quote by providing your address above.

Home Insurance Carriers in Huntsville, 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 Huntsville's Premier Home Insurance Provider

Huntsville neighborhood

Marked by the notable 67-foot statue of Sam Houston off of I-45, Huntsville, Texas, is located about 70 miles north of Houston in Walker County. The city has something for everyone, from the charmingly historic downtown shops to the history-rich Sam Houston Memorial Museum to the lush outdoor oasis of Hunstville State Park and more!

Huntsville neighborhood

At TGS Insurance, we only work with the best insurance carriers, which is why Huntsville locals can always expect a great homeowners insurance policy at a low cost. As an independent agency with thousands of customers, 35+ carriers, and exceptional customer service, we win business from Huntsville residents every day.

Key Home Statistics in Huntsville


Total Population in Huntsville, TX


Average Home Value in Huntsville, TX


Median Household Income in Huntsville, TX


Median Age in Huntsville, TX

Trust TGS Insurance in Huntsville

Data as of May 28, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Major Neighborhoods in Huntsville, TX

Image of Crown Point Neighborhood

Crown Point

The desirable new-build Crown Point subdivision on the northern side of Huntsville is currently under construction and will include 94 single-family homes ranging from 1200 to 2180 square feet upon completion.

Image of Hunter's Creek Neighborhood

Hunter's Creek

The sought-after new-build Hunter’s Creek neighborhood is conveniently located along Highway 75, providing residents easy access to nearby attractions while providing a tranquil community to call home.

Image of Sterling Ridge Neighborhood

Sterling Ridge

Sterling Ridge is a family-friendly subdivision just minutes from Sam Houston National Forrest. The community features a park, picnic area, and walking trails for families to enjoy the great outdoors together.

Local Home Resources in Huntsville, TX

Fire Departments
980 Volunteer Fire Dept30 Lakeside Dr
Huntsville, TX 77320
(936) 891-3473
Police Departments
Highway Patrol523 State Highway 75 N
Huntsville, TX 77320
Huntsville City Police Dept1220 11th St
Huntsville, TX 77340
Huntsville Police Dept1212 Avenue M
Huntsville, TX 77340
Walker County Sheriff's Office717 FM 2821 Rd W
Huntsville, TX 77349
Walker County Sheriffs Office717 Fm 2821 Rd W
Huntsville, TX 77349