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Montgomery, TX

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Comparison Shop Home Insurance in Montgomery from Multiple Carriers in Minutes!

 

Only 44% of homeowners shop and compare their homeowners insurance policies when it’s time for renewal. This is mostly because shopping and comparing policies can be a time-intensive process and a total pain! But not with TGS Insurance, we shop your policy across 35+ providers to get you the best deal and coverage available. Comparison shopping for homeowners insurance has never been easier.

 

How Much is Home Insurance in Montgomery, TX?

 

The average cost for homeowners insurance in Montgomery, TX is about $1,549 each year. At TGS Insurance our Montgomery customers pay an average of $1,396, which means they save $153 each year on homeowners insurance, with some saving substantially more!

 

Comparing the Average Cost of Homeowners Insurance in Montgomery By Dwelling Coverage Limit

Coverage LevelAverage Annual Premium (incl. Wind Coverage)
$75k Dwelling$1,294
$150k Dwelling$1,793
$200k Dwelling$2,133
$350k Dwelling$3,099

*Information used from Help Insure from the Texas Department of Insurance. We applied a methodology of a homeowner with average credit, a home between 10-34 years of age, made of brick in Montgomery, TX. Includes Wind Coverage.

Are the Floodplains in Montgomery Going to Change?

 

Montgomery, TX is located near Lake Conroe and some parts of this area are considered high risk for flooding. During Hurricane Harvey, the Montgomery, TX area experienced 12-14 feet of flooding and a lot of people lost their homes. Recent data collected by the NOAA has led to the creation of new precipitation maps (shown above) which reflect an increase in the threshold for a 100-year flood by 4 inches. Based on this new data, there is potential that FEMA floodplain maps could require updates to the 100-year floodplain which would likely expand the number of homes with increased home insurance rates from being in a flood plain. 

Regardless of what FEMA decides to do with this new data after further analysis, it’s important to remember that over 20% of flood insurance claims from Harvey came from those living outside of a flood zone. Houstonians are no strangers to how devastating flooding can be with Hurricane Harvey, Hurricane Beta, and the Tax Day Flood being just a few examples. Having flood insurance is a must for Montgomery, TX homeowners because it protects your home and personal items from the financial repercussions of flood damages. 

Additional Home Coverages Available in Your Area:

 

Flood Insurance: Over 43% of homeowners think that flood damage is protected by their homeowners insurance policy and this common misconception is simply untrue. Flood insurance is a separate policy that Montgomery, TX homeowners can purchase to ensure their home and personal items are protected from flood damage.

 

The TGS Difference: We work with both private and government insurance providers to help protect your home and valuable items with a flood insurance policy built around your needs and budget.

 

Hailstorm Insurance: From 2017-2019, Texas had the most hail storms in the country and Montgomery County reported over 32 hailstorms during that time. Typically, hailstorm protection is included by your standard homeowners insurance policy but since Texas is on the Gulf Coast, some areas might not be covered. Adding on hailstorm coverage is important for Montgomery homeowners to have so you can avoid having to pay out of pocket for the damages.

 

The TGS Difference: We believe in providing our Montgomery, TX customers with the most protection, so that is why we include a 2% hail/windstorm deductible into every one of our homeowners insurance policies.

 

Windstorm Insurance: Montgomery, TX homeowners might not be covered from windstorm damage because some insurance providers do not offer coverage for cities located on a coastline, forcing some to purchase a separate windstorm insurance policy. Windstorm insurance protects your home and personal belongings from gusty events like tornadoes, hurricanes, gales, and tropical storms.

 

The TGS Difference: We want each of our customers to be fully protected, so that is why we include a 2% windstorm/hail deductible in every homeowners insurance policy we write.

 

Bundle Your Home and Auto Policies for Added Savings!

 

Did you know when you bundle your home and auto insurance policies together homeowners can save anywhere from 5% to 25% each year on your premiums?

 

TGS Insurance agents make bundling your home and auto insurance policies easy. We shop across from 35+ highly-rated insurance providers to find you the best bundling options for your premiums.

 

Zip Codes in Montgomery, TX That We Insure:

 

  • 77316
  • 77356

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 Montgomery, TX

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Allied Trust Logo
Maison Logo
Lighthouse Logo
Anchor Logo
 State Auto Logo
ASI Logo
The Hartford Logo
Foremost Logo
Empower Logo
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National Lloyds's Logo
Liberty Specialty Logo

TGS Insurance is Montgomery's Premier Home Insurance Provider

Montgomery neighborhood

Montgomery, Texas was founded in 1837 and is located in Montgomery County. Montgomery is one of the oldest towns in Texas and is the birthplace of the Texas Lone Star Flag and takes pride in its rich history. TGS Insurance Agency is one of the top insurance providers for Montgomery homeowners.

Montgomery neighborhood

At TGS Insurance, we only work with the best insurance carriers, which is why Montgomery 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 Montgomery residents every day.

Key Home Statistics in Montgomery

1,360

Total Population in Montgomery, TX

$280,396

Average Home Value in Montgomery, TX

$61,131

Median Household Income in Montgomery, TX

34

Median Age in Montgomery, TX

Trust TGS Insurance in Montgomery

Data as of October 23, 2021

15,000

Total
Customers

$4.27B

Total Assets Covered Projected

13,700

Total Homes Insured

5,200

Total Vehicles Insured

Major Neighborhoods in Montgomery, TX

Image of Montgomery Trace Neighborhood

Montgomery Trace

Montgomery Trace provides a offers a country-like atmosphere in a not so rural area. The neighborhood features lakes, nature trails and playgrounds.

Image of The Estates Of Walden Neighborhood

The Estates Of Walden

The Estates of Walden is nestled on the coast of Lake Conroe. The community features luxurious amenities like a racquet club, fitness center, and the Walden Yacht Club.

Image of April Sound Neighborhood

April Sound

April Sound is located on the coast of Lake Conroe. The community features a golf club and country club, tennis courts, swimming pools and a workout room.

Image of Lake Conroe Village Neighborhood

Lake Conroe Village

Lake Conroe Village is near the coast of Lake Conroe. The community can partake in many outdoor-themed activities such as boating, fishing as well as water sports.

Image of Woodforest Neighborhood

Woodforest

Woodforest is tucked away in a pine forest and features an assortment of amenities. Residents of this community enjoy a golf club, parks, trails and a sportsplex.

Image of Bentwater Neighborhood

Bentwater

Bentwater provides luxury coastal living while still not being too far from the city. The community features a country club, yacht club and sports club.

Local Home Resources in Montgomery, TX

Fire Departments
Walden Fire Dept12500 Walden Rd
Montgomery, TX 77356
(936) 582-6211
Police Departments
Montgomery Police Dept101 OLD PLANTERSVILLE RD
MONTGOMERY, TX 77356
9365976866
Montgomery Police DeptPO Box 708
Montgomery, TX 77356
9365976866