Save On Home Insurance in Jamaica Beach, TX | TGS Insurance Agency

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Jamaica Beach, TX

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Homeowners Insurance  »  Texas  »  

Jamaica Beach

With TGS Insurance, Finding The Right Jamaica Beach Home Insurance Policy is as Easy as 1-2-3


How Much is Home Insurance in Jamaica Beach?


The average cost for homeowners insurance in Jamaica Beach, TX is about $1,267. Texans using TGS Insurance for their homeowners insurance needs are saving an average of $870 per year!


Calculating Premiums for Home Insurance in Jamaica Beach


The way insurance providers determine your homeowners insurance premium depends on regional and property factors. Some of these factors are out of your control, but there are ways you can have a say in lowering your insurance premiums. Let’s review a few of the things insurers look at when calculating your rate.

Regional-Specific Factors:

  • Location- Where your home is located plays a major role in your homeowners premium. Areas that are likely to experience high rates of vandalism or are prone to natural disasters will probably have higher rates.

Property-Specific Factors:

  • The Condition of Your Home- The square footage, age, and the material your home was built out of impact your rates as well. If you do not properly maintain your home some insurance companies might decide not to provide coverage for you or just charge you more. It’s important to keep up with your home! 
  • How Much Coverage You Want- Typically, the more protection you want the more you have to pay, but at TGS Insurance we strive to find you the lowest price so you don’t have to worry about giving up any coverage.

Ways to Lower Your Home Premium

  • Raise Your Deductible- If you hike up your deductible, the lower your premium will be. 
  • Installing Home Security- Taking precautions by adding motion-sensor lights, security cameras, and an alarm system can lower your premium by 20%. 
  • Credit Score- If you have a higher credit score you may qualify for discounts or have a lower premium rate.


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


We want you to be confident in fully understanding the way your Jamaica Beach, TX homeowners policy works. . Watch the video below to get a more in-depth understanding of what homeowners insurance is and the different coverage options you get. 


Most Popular Additional Home Coverages in Jamaica Beach, TX:


Flood Insurance: Flood insurance coverage protects your home and personal belongings from damages caused by rising waters from tropical storms, hurricanes, or heavy rainfall. Water damage caused by a flood is not covered by your homeowners insurance policy so a flood insurance policy is a great way to cover any gaps in coverage to ensure you’re fully protected against anything. The average flood insurance policy is about $634 per year, but can be higher or lower depending on where you live. At TGS Insurance, we shop your flood policy through our bank of government and private insurers to find you a great policy at an even better rate.


Windstorm and Hail Coverage: Jamaica Beach, TX is located just along the Texas coastline and homeowners know all too well the devastating weather events that the Gulf of Mexico can bring in, particularly hail and wind damage. The standard homeowners insurance policy will cover hail related damages, but that’s not always the case for windstorm damage. At TGS Insurance, we want you to feel protected in any storm, which is why we automatically write in a 2% wind/hail deductible into every policy we write!


Water Backup: Water is one of the most common causes of damage in homes. Water backup coverage is a great safety net for when unexpected accidents happen like if your sink overflows onto your kitchen floor. It protects your home and personal items from a sump pump, backed-up drains, or sewer backup as well as covering mold damage. The average cost for water backup coverage in Texas ranges from $50-$250 per year with coverage starting at $5,000 going up to $25,000.


Common Jamaica Beach, TX Home Insurance Questions from Our Clients


What is a homeowners insurance quote?

A homeowners insurance quote is an estimate of how much you’ll pay for your policy. Things like your home’s location, age, build, coverage limits, and deductibles all factors into what you’ll end up paying. At TGS Insurance, we can give you a homeowners insurance quote in 15 seconds or less using just your address!

Does homeowners insurance cover water damage?

Homeowners insurance will cover water damage if it’s deemed sudden or accidental. So for example, if a pipe burst in your home that couldn’t have been prevented, it would be covered under your insurance policy.

Can I buy homeowners insurance online?

Yes, you can buy homeowners insurance online but you still may need to speak with an agent to confirm your policy details before binding. At TGS Insurance, you can easily shop insurance online and get a live, bindable quote in 15 seconds or less. It’s a stress-free way to shop for homeowners insurance.


Our Featured Agents Are Ready to Help You With Your Jamaica Beach, TX Homeowners Insurance:


TGS Insurance believes in finding you an insurance policy that is tailored to your home’s needs without costing a fortune. We know how important finding coverage is to protect the items you care about most, so we will work to find you the best coverage while also saving you money each year. We work with over 35 highly-ranked insurance companies that provide you with a wide range of coverage options. Our customer-focused team is here to help you from start to finish for a stress-free and easy way to shop for home insurance. See why Jamaica Beach, TX homeowners are making the switch to TGS Insurance!

Home Insurance Carriers in Jamaica Beach, 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 Jamaica Beach's Premier Home Insurance Provider

Jamaica Beach neighborhood

Jamaica Beach was established in 1957 and is located in Galveston County. Jamaica Beach has grown into a very popular spot for homeowners as well as tourists. TGS Insurance is proud to be one of Jamaica Beach’s largest home insurance agencies.

Jamaica Beach neighborhood

TGS Insurance provides home insurance in Jamaica Beach from dozens of different carriers. Jamaica Beach customers all want the same thing - the best home insurance policy at the lowest price. As an independent company with thousands of customers, 35+ carriers and amazing customer service, we win business from Jamaica Beach residents every single day.

Key Home Statistics in Jamaica Beach


Total Population in Jamaica Beach, TX


Average Home Value in Jamaica Beach, TX


Median Household Income in Jamaica Beach, TX


Median Age in Jamaica Beach, TX

Trust TGS Insurance in Jamaica Beach

Data as of May 28, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured