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

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Kemah, TX

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Kemah Home Insurance with Better Coverage & Lower Monthly Payments!


Comparison Shop Home Insurance in Kemah, TX from Multiple Carriers in Minutes! 

60% of homes in the United States are underinsured and at risk for having to pay a lot more than they bargained for should they need to rely on their policy. Comparison shopping for your home insurance policy is a great way to make sure you have the proper level of insurance and that you are getting the best rates on the market. It can be a tedious and time-consuming process which is why at TGS Insurance we do all the heavy lifting for you! We’ll shop and compare your policy across our bank of 35+ A-rated carriers to find you something that is balanced in value, coverage, and of course, a great rate! Shopping for homeowners insurance has never been easier than with TGS Insurance! 


How Much Does Kemah Homeowners Insurance Cost?

The average cost for homeowners insurance in Kemah, TX is about $1,510 each year. At TGS Insurance, our Kemah, TX customers pay an average of $1,319 per year, which means they are saving an average of $191 annually on homeowners insurance.


Calculating Premiums for Home Insurance in Kemah, TX

Each insurance provider has its own way of determining your home insurance rate, but it all boils down to how much risk the carrier is taking on to insure your home. Various factors influence your premium, so let’s take a closer look at what they are.


  • Replacement Cost Value- This is the cost of how much it would be to completely replace your home in its current state. The more coverage you need, the higher the premium. 
  • Credit Score- If you have great credit, then you should expect to see a lower rate than someone with a lower credit score. Keep in mind, just because you have poor credit doesn’t mean you can’t get homeowner insurance, it just means you’ll have a slightly higher rate. 
  • Claims History- The more claims you’ve filed, the higher your premium might be. 
  • How Old Your Home Is- Your home’s age affects your rate because older homes are riskier to insure, purely because of the age of the plumbing, heating, and building materials. Homes that are newly constructed may be eligible for discounts! 
  • Location- If your home is located in an area that is prone to natural disasters (hurricanes, tornados, etc.) or has a high crime (theft or vandalism) you may see a higher premium. Remember, it’s all about risk! 
  • Building Materials- The materials your home was built with play into your home insurance rate. The reason being, insurers are looking at the stability of your home should it catch on fire or a hurricane hit. So for example, homes made of wood tend to be a bit more to insure compared to homes made of brick, because brick is seen as more structurally sound.
  • Deductible Amount- Increasing your deductible can significantly lower your premium rates. But keep in mind, if you raise your deductible that’s more you’ll have to pay out-of-pocket before your insurance will kick in. 
  • Security Devices- Kemah, TX homeowners can lower their premium by installing security devices to protect their homes from burglaries and fires. For example, installing an alarm system, deadbolt locks, or having a fire extinguisher can give you discounts up to 20%! 


How Much is Flood Insurance in Kemah?

The average cost for flood insurance in Kemah, TX is about $851 each year. Kemah, TX is right outside of Friendswood, TX where our customers pay an average of $426, which means they are saving $425 each year on flood insurance!

Do I Need Kemah Flood Insurance?

Kemah, TX is surrounded by Clear Lake, Trinity Bay, and Galveston Bay with the Gulf of Mexico within close proximity. This puts the area at a high-risk for flooding due to the number of hurricanes, tropical storms, and heavy rainfall that can batter the Texas coastline. Hurricane Beta, Hurricane Imelda, and Hurricane Harvey all devastated Kemah, TX with heavy rain that resulted in catastrophic flooding and destruction to the area. This is why every homeowner in Kemah, TX should consider a flood insurance policy to protect their home and belongings financially from one of these events.

Zip Codes in Kemah, TX We Serve:

  • 77565

Don’t see your zip code listed? Don’t worry, as long as it’s in Texas, we’ve got you covered!

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

Kemah neighborhood

Kemah, Texas was established in 1898 and is located in Galveston County. The city received its name from and Indian word meaning “facing the winds” because of its location on the bay. Today, Kemah is a haven for those seeking an outdoor adventure and more. TGS Insurance is one of Kemah's leading home insurance providers.

Kemah neighborhood

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

Key Home Statistics in Kemah


Total Population in Kemah, TX


Average Home Value in Kemah, TX


Median Household Income in Kemah, TX


Median Age in Kemah, TX

Trust TGS Insurance in Kemah

Data as of May 29, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Major Neighborhoods in Kemah, TX

Image of Bayview Acres Neighborhood

Bayview Acres

Bayview Acres is nestled on the coast of Trinity Bay. The neighborhood is close to the infamous Kemah Boardwalk and Kemah Boardwalk Marina and many local eateries.

Image of Waterford Harbor Neighborhood

Waterford Harbor

Waterford Harbor is located on the coast of Clear Lake. Homeowners in this neighborhood are near a few major attractions including Waterford Harbor Yacht Club, Sundial Park and Kemah Boardwalk.

Image of Marina Del Sol Neighborhood

Marina Del Sol

Marina Del Sol is located on the coast of Clear Lake. The neighborhood is close to several different water-based activities including Galveston Fishing Charters and a large variety of local restaurants.

Image of Kemah Oaks Neighborhood

Kemah Oaks

Kemah Oaks resides along FM-518. The neighborhood is close to Kemah Garden, Texas Corinthian Yacht Club and Meadow Bend Park.

Image of Kemah Village Neighborhood

Kemah Village

Kemah Village is located right along FM-518. Homeowners in Kemah Village are close to a variety of different eateries and local shops, but also Kemah Garden and Colton Lake.

Image of Lazy Bend Neighborhood

Lazy Bend

The Lazy Bend neighborhood is located near the coast of Clear Lake. Residents are close to Deep Hole Park, Portofino Harbour Marina and the famous Kemah Boardwalk.

Local Home Resources in Kemah, TX

Police Departments
City Of Kemah Police Dept1401 Highway 146
Kemah, TX 77565
Kemah Police Dept1401 Highway 146
Kemah, TX 77565