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

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McAllen, TX

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Home Insurance in McAllen, TX Just Got A Lot Cheaper!


How Much Does McAllen, TX Homeowners Insurance Cost?

The average cost for home insurance in McAllen is $1,054 among TGS Insurance Agency customers. This average is based on policies with an average home value of $266,268. While every policy is different and dependent on multiple factors, including your home’s value and coverages you choose, we have proudly been able to save our Texas customers an average of $870 per year on their home insurance premiums when they switch to us. Finding out how much you can be saving is as easy as providing your address above for an instant quote– really!

Average Home Insurance Premiums in McAllen By Dwelling Coverage Levels

Several factors go into a carrier’s calculations for your McAllen home insurance quote. One of the biggest factors is the level of dwelling coverage that you select. Dwelling coverage is based on the value of your home’s structure if you were to rebuild it to its current condition today. For instance, in McAllen, carrying $150,000 dwelling coverage costs an average of $850 per year, while increasing that coverage level to $350,000 will costs you an average of $1,221 per year. 

Home ValueAverage Annual Premium (incl. Wind Coverage)

What Will A Standard McAllen, TX Homeowners Insurance Policy Cover?

It’s important for homeowners to understand what is and isn’t covered in their homeowners insurance policy. Homeowners insurance offers financial protection for your home and other valuable assets against disasters, accidents, and theft. The standard homeowners insurance policy includes six coverages that protect the structure of your home, personal property, additional living expenses, legal fees, and medical expenses. Let’s take a closer look at these basic coverage options:

Coverage A – Dwelling

This covers the physical structure of your home and anything that’s attached to it, like plumbing or wiring. A good rule of thumb is your coverage should be equal to your home’s replacement cost value as it stands today so be sure to update your policy if you do any remodeling that increases the value of your home!

Coverage B – Other Structures

Other structures coverage protects detached structures such as a detached garage, free-standing shed, or your fence. 

Coverage C – Personal Property

Personal Property coverage protects any personal belongings inside and outside of your home. Examples include appliances, clothing, electronics, furniture, jewelry, etc. If you have valuables that exceed your policy limits, talk to your insurance agent about supplemental policies to close any gaps in coverage. 

Coverage D – Loss of Use

Loss of Use pays for additional living expenses in the event your home is not liveable because of damage from a listed peril. Expenses covered include hotel or restaurant bills up to a certain limit. 

Coverage E – Personal Liability

This coverage pays for legal and medical fees if you are held responsible for injury or personal property damage to someone else.

Coverage F – Medical Payments to Others

If someone is injured on your property it covers the medical fees, regardless of who is at fault. It’s important to note that this does not apply to you or members of your household. 

At TGS Insurance Agency, our independent agents are dedicated to working with you to tailor an insurance policy that is tailored to your specific needs- including helping you determine what level of each type of coverage you need to be fully protected.

Common Home Insurance Endorsements in McAllen, TX:

Flood Insurance: Over 43% of homeowners think that flood damage is covered by the standard homeowners insurance policy when that is simply not the case. To get protection from flood damage, you must purchase a flood insurance policy. At TGS Insurance we work with FEMA as well as private insurance companies to help get you insured with the right flood insurance policy at a price that works best for you.

Hail/Windstorm Insurance: Homeowners who live near the Texas coastline, may not be covered for hail and windstorm damage by their standard homeowner insurance policy because of how often natural disasters occur in the area. Having hail/windstorm coverage is a must for McAllen, TX homeowners because it protects your home and personal items from gusty storms like hurricanes, tornadoes, tropical storms, and even heavy rainfall. At TGS Insurance, we believe in providing our McAllen, TX customers with the utmost protection so that is why we automatically include a 2% wind/hail deductible into each of our homeowners insurance policies

Water Backup: Water backup is one of the most common causes of water damage in homes and is not covered by your standard homeowners insurance policy. A water backup policy add-on is a great safety net for when the unexpected happens. Every McAllen, TX homeowner should consider purchasing water backup coverage because it protects your home and personal items from a sump pump, backed-up drains, or sewer backup as well as covering mold damage! The average cost for water backup coverage in Texas ranges from $50-$250 per year with coverage starting at $5,000 going up to $25,000.

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

When you bundle your auto and home insurance policies you have the opportunity to save up to 25% on your premium. Do you need an umbrella policy? Do you need to add more coverage to your home insurance policy? Contact one of our agents today for all your insurance needs! 

Zip Codes in McAllen, TX That We Insure:


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 McAllen, 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 McAllen's Premier Home Insurance Provider

McAllen neighborhood

McAllen is a vibrant and lively city located just along the US/Mexico border in south Texas. Known for its birding, McAllen, TX is one of the most popular places in the world to see birds that can't be found anywhere else! Residents of this city also have access to hundreds of local eateries, art galleries, museums, live music venues, Broadway shows, shopping, thriving nightlife and so much more. It's easy to see why so many Texans call McAllen home.

McAllen neighborhood

McAllen, TX homeowners all want the same thing- an exceptional homeowners policy at a great rate. TGS Insurance shops your insurance among 35+ carriers to find the best policy for you. As an independent agency with thousands of customers in Texas, our great customer service and extensive industry knowledge wins business from McAllen, TX every day!

Key Home Statistics in McAllen


Total Population in McAllen, TX


Average Home Value in McAllen, TX


Median Household Income in McAllen, TX


Median Age in McAllen, TX

Trust TGS Insurance in McAllen

Data as of July 18, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Major Neighborhoods in McAllen, TX

Image of Villages of Westlakes Neighborhood

Villages of Westlakes

A beautiful neighborhood filled with water features and surrounded by local businesses, residents fall in love with the charm that the Villages of Westlake bring to their homes and the greater McAllen, TX, area.

Image of Chesterfield Neighborhood


North of downtown McAllen, TX, is Chesterfield, a neighborhood with a community feel and nearby shops and eateries. Both Las Palomas Park and Municipal Park are near for recreational activities.

Image of Via Cantera Neighborhood

Via Cantera

A stunning gated community located in north McAllen, TX, Via Cantera offers its residents a beautiful neighborhood to call home. Surrounded by shops, restaurants, and trails, there is something to do for everyone.

Local Home Resources in McAllen, TX

Police Departments
Mc Allen Police Alarm Dept1601 N Bicentennial Blvd
Mcallen, TX 78501
Mc Allen Police Dept2901 Olga Ave
Mcallen, TX 78503