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

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Killeen Home Insurance Just Got A Lot Cheaper!


How Much is Home Insurance in Killeen, TX?


The average homeowner in Killeen, TX will pay $1,861 a year on home insurance. This is less than the national average of $2,305 a year. While many different factors can cause your home insurance premium to vary, TGS Insurance saves our average Texas customer $870 a year!

Comparing the Average Cost of Homeowners Insurance in Killeen, TX By Dwelling Coverage Limit

Coverage LevelAverage Annual Premium (incl. wind coverage)
$75k Dwelling$1,224
$150k Dwelling$1,630
$200k Dwelling$1,905
$350k Dwelling$2,683
*Data is from Help Insure from the Texas Department of Insurance. Averages are based on quotes for a homeowner with average credit, no claims filed in the past 5 years, and with a brick home between 10-34 years of age in Killeen, TX.


Building Comprehensive Killeen, TX Home Insurance Coverage Tailored To Your Needs


There are many factors that will affect how much you will pay on home insurance each month but the primary factor is what coverage you choose. Every home and situation is unique so an agent can work with you to determine which of the following you should include and at what level.


Protect Your Home With Dwelling Coverage

Property or Dwelling Coverage typically will help you repair or rebuild your home should it become damaged or destroyed by an insured event such as a fire or windstorm.


Protect Yourself Legally with Personal Liability Coverage

Personal Liability Coverage protects you when someone is injured or their property is damaged and you are at fault. When choosing your liability coverage limits, you should consider your financial situation including how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets should you face a lawsuit.


Protect Yourself Financially with Medical Coverage for Others

This covers medical expenses for guests that are injured on your property at your fault. It is important to note that it does not cover health care costs for you or other members of your household.


Assistance With Additional Living Expenses

For homes that become unlivable because of a covered loss, your home insurance policy is there to pay for additional living expenses, including things such as a hotel room, while the damage is assessed and your home is restored to a livable condition.


Protect Your Belongings with Personal Property Coverage

Your home is filled with furniture, clothes, electronics, and many other items of value- both monetarily and sentimentally. Personal Property Insurance helps replace these items if they are lost, stolen, or destroyed as a result of a covered loss.


Scheduled Personal Property Coverage For More Expensive Belongings

If you have special possessions such as jewelry, fine art, antiques, or collectibles you may want to talk to your agent about this supplemental coverage. Your home insurance policy will protect these items but only to a specified amount named in your policy. Items and collections with more value than is named on your policy will require additional coverage.


If You Rent Out Your Home

Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings.


Every home is unique. Talk to TGS Insurance today to find out how to get the best coverage for the lowest price on Killeen, TX home insurance for you.


We’re Your “One-Stop-Shop” for Insurance – Bundle Our Services and Save!


Take advantage of the discounts provided when you bundle multiple policies, such as home and auto. Do you need an umbrella policy?

TGS Insurance is here to help you stay protected against liability that may exceed your home insurance coverage limits. Our Umbrella Coverage is there to protect you from costs in both the medical and legal realms. As these costs continue to rise umbrella coverage continues to become an attractive option for homeowners to protect themselves and their finances.

Zip Codes in Killeen, TX That We Insure:


  • 76540
  • 76541
  • 76542
  • 76543
  • 76547
  • 76549

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 Killeen, 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 Killeen's Premier Home Insurance Provider

Killeen neighborhood

Killeen, Texas is a military town located just north of Austin and south of Waco. The area is known for the Fort Hood military base and was ranked the 5th best place to live according to the U.S. News & World Report's 2019 "Best Places to Live in Texas" study. Residents are never short of activities to do, from visiting the various museums and historic exhibitions on the military base to playgrounds, picnic areas, and lakes.

Killeen neighborhood

Killeen, TX homeowners all want an exceptional homeowners policy at a great rate. At TGS Insurance, we shop your insurance with 35+ carriers to find Killeen, TX residents the best policy. As a Texan owned agency with thousands of customers, great customer service, and extensive industry knowledge- we win business from Killeen, TX homeowners every day!

Key Home Statistics in Killeen


Total Population in Killeen, TX


Average Home Value in Killeen, TX


Median Household Income in Killeen, TX


Median Age in Killeen, TX

Trust TGS Insurance in Killeen

Data as of May 28, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Major Neighborhoods in Killeen, TX

Image of Bridgewood Estates Neighborhood

Bridgewood Estates

Bridgewood Estates is a newer neighborhood on the Southwest side of Killeen. Many homes were built in the late 2000s and include a mix of single story and two-story single-family homes.

Image of Lonesome Dove Neighborhood

Lonesome Dove

Lonesome Dove is a mix of single- and two-story homes built in the late 2000s with some new construction still available. The subdivision is close to Fort Hood as well as shopping and schools.

Image of Deerwood Estates Neighborhood

Deerwood Estates

Deerwood Estates is located on the southeast side of Killeen. Most of the homes in the subdivision were built from 2007-2014 and are large, custom-built homes.

Image of The Falls at Fox Creek Neighborhood

The Falls at Fox Creek

The Falls is one of the area’s only gated HOA communities and is located in central Killeen. Many homes in the community were built in the late 1990s and early 2000s.

Image of Savannah Heights Neighborhood

Savannah Heights

Savannah Heights, an East Killeen neighborhood, borders Harker Heights. It is located off of Hwy 190 which makes convenience a benefit of the area. The neighborhood is about 15 minutes from Fort Hood.

Image of Sunflower Estates Neighborhood

Sunflower Estates

Sunflower Estates is located on the west side of Killeen with convenient access to the Metroplex Hospital or West Fort Hood. Most homes in the neighborhood were built in the mid-2000s.

Local Home Resources in Killeen, TX

Fire Departments
Killeen Fire Dept700 N Twin Creek Dr
Killeen, TX 76543
(254) 690-3575
Killeen Fire Dept201 S 28th St
Killeen, TX 76541
(254) 501-7660
Killeen Fire Dept905 E Jasper Dr
Killeen, TX 76541
(254) 634-8880
Killeen Fire Dept1517 Stonetree Dr
Killeen, TX 76543
(254) 699-5585
Killeen Fire Station 62001 E Elms Rd
Killeen, TX 76542
(254) 554-8787