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

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Katy, TX

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Katy Homeowners Insurance Made Easy with Fast, Reliable Quotes! 

Comparison Shop Home Insurance in Katy, TX from Multiple Carriers in Minutes

As an independent 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. 

How Much is Home Insurance in Katy, TX?  

The average cost of homeowners insurance in Katy is about $2,200/year. The average TGS Insurance customer in Katy pays an average of $1,654, which means our customers are saving an average of $546 per year. In just a few minutes, you could be saving too! Enter your address above to get started with a free instant home insurance quote

How Much is Flood Insurance in Katy, 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 Katy pay $435 per year- that’s a total average savings of $199 per year! The average flood insurance policy takes 30 days to go into effect, and many carriers will put a hold on writing new policies when there is a named storm in the gulf, so don’t delay getting your coverage!

What does Katy Home Insurance Cover? 

Katy homeowners insurance provides you with financial protection and peace of mind for your home and personal belongings due to any catastrophic or weather-related events. Your standard Katy homeowners insurance policy will include coverage for your home, additional structures on your property, and your personal belongings. Liability coverage and loss of use coverage are also commonly included in standard home insurance policies. 

Additional Coverages for Your Katy Home Insurance Policy

Living in Katy, TX, comes with its own set of weather-related challenges that need to be covered in your homeowners insurance policy. Unless it’s expressly excluded, most policies cover common perils such as explosions, fire, hailstorms, theft, vandalism, and windstorms. Your standard homeowners insurance policy does not cover flood damage, and you’ll need to purchase a separate flood policy to ensure no gaps in coverage. 

Insurance Coverage for Hail Damage in Katy

Katy, TX has recorded 13 severe weather warnings, 11 of those producing significant hail damage within the past 12 months. Hail damage can be a costly expense to your home, and damage to your roof could cost you thousands of dollars to repair- and sometimes, hail damage isn’t even included as a standard peril in your homeowners insurance policy. 

THE TGS DIFFERENCE: To ensure you stay fully protected, we automatically write-in hail protection as part of your standard Katy home insurance policy, with a 2% hail/windstorm deductible that can be customized for your preference. 

Insurance Coverage for Windstorm Damage in Katy

Homeowners in Katy are not immune to windy days, and most homeowners should consider getting windstorm insurance as part of their homeowners insurance policy. Windstorm coverage will provide you with financial protection should your home take on damage due to a tornado, hurricane, tropical storm, or other peril named in your policy. 

THE TGS DIFFERENCE: We believe you should be protected for any event, and that includes windstorms. We automatically add windstorm coverage to our standard Katy homeowners insurance policies with a 2% windstorm/hail deductible. We can easily add or remove windstorm coverage based on your preference! Getting windstorm coverage has never been easier!

Insurance Coverage for Flood Damage in Katy

Homeowners in Katy, TX, can easily bundle their homeowners insurance with their flood insurance policy for the most protection at the best rate. Hurricane Harvey was a catastrophic event that proved that every homeowner in Katy is vulnerable to flood damage no matter where you live. In Katy, flood insurance can cost anywhere between $400-2,000 a year, depending on where you live. The average TGS Insurance flood insurance policy is Katy can cost around $435 per year. 


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

Katy neighborhood

Founded in the late 1800s at the confluence of Harris, Waller, and Fort Bend Counties, Katy is among America's fastest growing and most affluent suburban communities. Katy proper features over 20,000 residents, and many times that in the surrounding area. TGS Insurance is one of Katy's largest home insurance agencies.

Katy neighborhood

TGS Insurance provides home insurance in Katy from dozens of different carriers. Katy 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 Katy residents every single day.

Key Home Statistics in Katy


Total Population in Katy, TX


Average Home Value in Katy, TX


Median Household Income in Katy, TX


Median Age in Katy, TX

Trust TGS Insurance in Katy

Data as of July 18, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Major Neighborhoods in Katy, TX

Image of Cinco Ranch Neighborhood

Cinco Ranch

Cinco Ranch is located off Highway 99 and has a variety of amenities. There are parks, pools, various sporting courts, restaurants and more!

Image of Elyson Neighborhood


Elyson is off the corner of 529 and Highway 99 that includes parks, full-service café, workout center, extravagant pools, and also located in Katy ISD.

Image of Jordan Ranch Neighborhood

Jordan Ranch

Jordan Ranch is an area with old-time beliefs mixed with contemporary enjoyments. It is nearby I10 and includes a fitness center, lazy river, playground and more!

Image of Kelliwood Neighborhood


Kelliwood neighbors Pattison Elementary and Nottingham Country Park. The neighborhood offers junior Olympic swimming pools, tennis courts and walking trails.

Image of Green Meadows Neighborhood

Green Meadows

Green Meadows is the heart of Katy. This neighborhood has dazzling lakes, an energetic rec center, peaceful walking trails and is zoned to Katy ISD.

Image of Lakes of Katy Neighborhood

Lakes of Katy

Lakes of Katy is a gated community that is a perfect home for individuals who love watersports and the great outdoors. It includes great schools and an easy commute to the downtown area.

Local Home Resources in Katy, TX

Police Departments
Highway PatrolPO Box 5088
Katy, TX 77494
KATY Police Dept5456 Franz Rd
Katy, TX 77493-1717
Katy Police Dept5456 Franz Rd
Katy, TX 77494