Save On Home Insurance in Little Elm, TX | TGS Insurance Agency

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Little Elm, TX

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Homeowners Insurance  »  Texas  »  

Little Elm

Comparison Shop Your Home Insurance in Little Elm from 35+ A-rated Carriers in Seconds! 

At TGS Insurance, we look at the world of insurance a bit differently than the rest. We work for YOU, not the insurance carrier, because we’re carrier-agnostic! Using just your address, we shop your homeowners insurance policy across our bank of 35+ A-rated (or better) carriers to find a policy that best fits your coverage needs at an exceptional value. No gimmicks, no BS, just a great home insurance policy at an even better rate! 


How Much is Home Insurance in Little Elm, Texas? 

The average policy in Little Elm, Texas is $3,500 per year. At TGS Insurance, our average customer in Little Elm, Texas pays $1,381 per year, which means our customers are currently seeing yearly savings of $2,199 compared to the area average! 


How is Home Insurance in Little Elm, Texas Calculated? 

Your home insurance premium is calculated based on how much risk the insurance carrier is taking on to insure your home. The lower the risk, the lower the premium, and vice versa. Let’s review some of the most common factors insurance carriers look at: 


Property-Specific Factors: 

  • Home size
  • Age of your home (Older homes = higher premiums) 
  • Construction type 
  • Roof condition/age 
  • Property add-ons (Swimming pools, trampolines, etc.) 


Location-Specific Factors: 

  • Weather-related risks (Is your area prone to hurricanes?) 
  • Crime risks (Higher crime = higher premium) 
  • Proximity to fire stations and/or hydrants 


Each carrier weighs these factors differently, which is why your policy premium can vary carrier by carrier. Other things that affect your premium could be the breed of your family’s pet dog, the type of coverage you need, your credit score, your claims history, and much more. Some things you have control over whereas other things you don’t. This is why it’s important for homeowners to shop their home insurance policy with at least five different carriers because you could be missing out on big savings or better coverage with another carrier! But who has the time to do that? (We do!) 


What Does My Home Insurance Policy in Little Elm, Texas Cover? 

A basic HO-3 home insurance policy covers: 

  • The physical structure of your home 
  • Your personal property (Ex. appliances, clothing, jewelry, technology, etc.) 
  • Replacement costs 
  • Loss-of-use coverage 
  • Liability 


Your home insurance policy will cover all of these areas to a set limit, so if you’re seeking additional coverage in some areas, you can purchase supplemental or policy add-ons to fill any potential gaps in coverage. Popular policy add-ons in Little Elm, Texas include: 

  • Scheduled personal property 
  • Valuable Articles/Floater policies 
  • Umbrella insurance (Additional liability coverage) 
  • Animal liability
  • Flood insurance (Water damage from a flood is NOT covered by home insurance) 
  • Water backup coverage 


Advantages to Working with TGS Insurance 

Your home insurance policy is meant to protect what matters most to you: your home and your family. Trust the team of experts at TGS Insurance to help you insure your home and everything in it at a price that doesn’t break the bank because we don’t believe good home insurance should cost a fortune. 


We have partnerships with over 35+ A-rated carriers (Kemper and Progressive to name a few) and this allows us to shop your insurance across a wide market of providers to find you the best coverage and rate available. But we don’t just stop at a great quote, our customer care team will handle the whole process from start to finish for a seamless and stress-free enrollment. It’s your one-stop-shop for all things insurance! 


And because home insurance isn’t a “buy once and done” type of deal, every year at renewal we’ll re-evaluate your policy to ensure you’re still getting the best deal available. If your rates go up or if we find better coverage for the same price elsewhere, we’ll get you switched over with zero hassle. It’s our way of ensuring you never overpay for insurance ever again! Getting insurance (and staying insured) has never been easier or more affordable than with TGS Insurance. 


We don’t like to brag, so we’ll let our reviews from real customers speak for themselves. We’re rated 4.8 out of 5 stars on TrustPilot and 4.5 out of 5 on Google.


Zip Codes in Little Elm, Texas That We Insure: 

  • 75036
  • 75068
  • 76227

Don’t see your zip listed? As long as it’s in Texas, we’ve got you covered with great home insurance! 

Home Insurance Carriers in Little Elm, 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 Little Elm's Premier Home Insurance Provider

Little Elm neighborhood

Little Elm, Texas is located north of the Dallas-Fort Worth metro area off Lewisville Lake. Dubbed "The Town With a Lake Attitude" Little Elm, Texas boasts a beautiful, scenic setting for its residents that strikes the perfect balance between living and playing. Little Elm, Texas is one of the state's fastest-growing cities because of its small-town charm and exceptional quality of life. TGS Insurance is proud to be one of the leading home insurance providers for Little Elm, Texas residents!

Little Elm neighborhood

TGS Insurance provides home insurance in Little Elm, Texas from over 35+ A-rated (or better) insurance carriers so homeowners get the best coverage at a great rate, every single time! We're a Texas-owned agency with thousands of customers across the Lone Star State and win business from Little Elm, Texas residents every day with our exceptional customer experience and extensive industry knowledge.

Key Home Statistics in Little Elm


Total Population in Little Elm, TX


Average Home Value in Little Elm, TX


Median Household Income in Little Elm, TX


Median Age in Little Elm, TX

Trust TGS Insurance in Little Elm

Data as of April 24, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Major Neighborhoods in Little Elm, TX

Image of Dominion at Lakeview  Neighborhood

Dominion at Lakeview

Dominion at Lakeview is a master-planned community located just east of Lake Lewisville. Residents have access to four different amenity centers with pools, parks, trails, and so much more!

Image of Enclave at Lakeview Neighborhood

Enclave at Lakeview

Enclave at Lakeview is a gorgeous master-planned community nestled just east of Lake Lewisville. The neighborhood has several swimming pools, trails, picnic areas, kiddie pool, basketball court, roller hockey court, and more for residents to enjoy!

Image of Frisco Hills Neighborhood

Frisco Hills

Frisco Hills is a family-friendly community located north of Lewisville Lake. The neighborhood has several amenities for all of its residents to enjoy including an amenity center, swimming pool, playground, dog park, and a hike and bike trail.

Image of Lakeview at Sunset Pointe Neighborhood

Lakeview at Sunset Pointe

Lakeview at Sunset Pointe is a master-planned community located on Lake Lewisville. Homeowners in this neighborhood have no shortage of amenities to enjoy including a park, greenbelt, pool, community center, hiking and biking trails, clubhouse, pond, playground, and soccer field!

Image of Paloma Creek Neighborhood

Paloma Creek

Paloma Creek is a family-friendly community located north of Lewisville Lake. Neighborhood amenities include a community pool, various parks, and playgrounds for all to enjoy, as well as being close to all of Little Elm's best eateries and shopping centers.

Image of Woodridge Estates Neighborhood

Woodridge Estates

Woodridge Estates is a gorgeous community that's located just a few miles north of Lake Lewisville. This highly-sought-after neighborhood is ideal for lake lovers and has many great community amenities including an amenity center, pool, and playground for all to enjoy.

Local Home Resources in Little Elm, TX

Police Departments
Little Elm Police Dept100 W Eldorado Pkwy
Little Elm, TX 75068
Oak Point Police Dept100 Naylor Rd
Little Elm, TX 75068
Police Dept100 W Eldorado Pkwy
Little Elm, TX 75068