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

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Luling Home Insurance Just Got A Lot Easier!

How Much is Home Insurance in Luling, Texas? 

In Luling, Texas, the average cost for homeowners insurance is about $1,175 per year, which is $2,254 lower than the Texas statewide average of $3,429. AT TGS Insurance Agency, our customers see an average savings of  $870 a year on their home insurance.


What Does Home Insurance in Luling, Texas Cover? 

Homeowners insurance offers financial protection for your home and personal property from accidents, theft, and disasters. It’s made up of six core types of coverages that protect the structure of your home, your personal property, additional living expenses, and any legal or medical bills. Below are the key components that make up a standard HO-3 home insurance policy:


Dwelling Coverage

Dwelling coverage protects the physical structure of your home. So your roof, walls, ceilings- anything physically attached to your home is protected under dwelling coverage. We highly recommend buying enough coverage to cover the estimated cost to rebuild your home to its current value, not what your home is worth. 


Other Structures Coverage 

This type of coverage is meant to pay for damages or repairs for detached structures such as your garage, shed, or fence.


Personal Property Coverage

Personal property coverage can help pay for your personal belongings in your home that are damaged by a covered peril. Items include clothes, electronics, furniture, workout equipment, etc. Special limits apply to high-value items such as jewelry.


Loss-Of-Use Coverage

Also known as additional living expenses, this covers any living expenses if you have to move out of your home temporarily while repairs are being made. 


Personal Liability Coverage

This type of coverage helps with legal fees in the event you or a member of your household, including pets, are responsible for an accident or damage to another’s property. 


Medical Payments Coverage

Medical payments coverage pays medical bills for minor injuries to people on your property. This type of coverage does not apply to members of your home. 


The Cost of Home Insurance in Luling by Coverage Amount

It’s always recommended to compare what you’re currently paying for home insurance against the averages in your area. This will help you to see if you’re paying too much or too little for home insurance (neither of which are a good thing). If you’re paying too little, you could be underinsured leaving you vulnerable to out-of-pocket expenses should you ever need to file a claim. If you’re paying too much, you’re either overpaying for coverage or you’ve got more coverage than you need. Let’s take a closer look at the average home insurance policy premium by coverage in Luling, Texas: 


Coverage Amount 

Average Policy Premium in Luling, Texas

$75,000 $1,085
$150,000 $1,479
$200,000 $1,738
$350,000 $2,497


*We used the Texas Department of Insurance to calculate premiums. Methodology based on a homeowner with average credit, no claims within the past 5 years, age of the house is 10 to 34 years and composition of the house is brick. Premium includes windstorm coverage. 


Popular Home Insurance Policy Endorsements in Luling, Texas

Your standard home insurance policy will offer financial protection against the basics but what if you want or need more coverage? Policy endorsements are a great way to eliminate any gaps in coverage by providing a more rounded out policy. Let’s review some of the most common home insurance policy endorsements in Luling, Texas: 

  • Water Backup Coverage:

    Water damage is one of the most common home insurance claims and unfortunately, not all types of water damage are covered by home insurance. Damage caused by a broken sump pump or backed-up sewage drain isn’t typically covered in your standard policy. However, you can purchase water backup coverage for $20-$50 a year with coverage starting at $5,000. The average TGS Insurance customer pays just $25 per year for this policy add-on, making it a really great addition to your policy that’s also very affordable. 

  • Equipment Breakdown Coverage:

    This coverage is designed to protect common household appliances in the event of an electrical or mechanical failure. This policy add-on protects everything from washers and dryers to refrigerators to stovetops. An equipment breakdown policy endorsement is about $20-$50 per year with about $50,000 in coverage, and most insurers have a deductible of $250-$500. 

  • Scheduled Personal Property Coverage:

    The personal property coverage you have within your homeowners insurance policy only covers your valuables to a certain limit. Scheduled personal property is a popular endorsement if you’re looking for extra financial protection on high-priced items such as art, antiques, electronics, firearms, fur, jewelry, silver or gold, and musical instruments. The cost of scheduled personal property coverage will vary but is 1% to 2% of the item’s total value. 


Why Buy Home Insurance in Luling, Texas with TGS Insurance 


At TGS Insurance, we believe you should get the coverage you need without breaking the bank. We save you money by shopping and comparing policies with over 35+ A-rated (or better) providers to find you a policy that fits your needs and budget without ever compromising on coverage.


Our agents don’t stop at getting you a great quote, we will take care of everything from beginning to end for a stress-free shopping experience! We will help you complete your enrollment process, cancel any current policies you have, and even work with your mortgage lender for a seamless transition. We take pride in delivering an exceptional customer service experience that’s second to none. 


We’re also here for you beyond your first policy. Every year at your policy’s renewal, our agents will re-shop and compare your policy across our bank of carriers to ensure you’re still getting the lowest rate with the same or better coverage. Never worry about rate increases again! 


Shopping for home insurance in Luling, Texas has never been easier than with TGS Insurance! Our average customer saves $870 a year, don’t wait to see how much you could be saving! 


Zip Codes in Luling, Texas That We Insure:

  • 78648

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 Luling, 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 Luling's Premier Home Insurance Provider

Luling neighborhood

Luling, TX is a small city situated along the San Marcos River. The city is south of Austin, TX and east of New Braunfels, TX with easy access to Interstate 10. Parks and the Luling Municipal Golf Course highlight the area filled with small-town charm and eclectic charm can be found in landmarks such as the Watermelon Water Tower and the Luling Oil Museum. TGS Insurance is proud to serve homeowners in Luling, TX as one of the top home insurance providers for the city.

Luling neighborhood

TGS Insurance serves homeowners throughout Luling, TX by finding the right homeowners insurance coverage to fit their needs. All homeowners in Luling, TX are looking for one thing - the best home insurance policy available for the lowest price available. TGS Insurance is an independent insurance provider working throughout the state of Texas and continues to win business in Luling, TX every day by providing unparalleled customer service and through our dedicated relationships with over 35 top-rated insurance brands.

Key Home Statistics in Luling


Total Population in Luling, TX


Average Home Value in Luling, TX


Median Household Income in Luling, TX


Median Age in Luling, TX

Trust TGS Insurance in Luling

Data as of July 18, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Local Home Resources in Luling, TX

Fire Departments
Luling Fire Dept115 S Pecan Ave
Luling, TX 78648
(830) 875-2115
Police Departments
Luling City Police Dept1800 E Pierce St
Luling, TX 78648