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

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Homeowners Insurance  »  Texas  »  


Odessa Home Insurance Just Got A Lot Cheaper!


The Cost of Odessa, TX Home Insurance

Home insurance is specific to you and the specifications of your home. This means that your premium is unlikely to be the exact same as anyone else’s. Keeping that in mind, take a look at the average annual home insurance premiums:

  • National average1: $2,305
  • Texas average1: $3,429
  • Odessa, TX average: $2,475

The average TGS Insurance customer in Odessa, TX pays $1,372 per year for homeowners insurance, which means they’re saving $1,103 compared to the city average!

Typically, home insurance rates will differ from the averages, but these benchmarks help us better understand what others are paying in your area. Seeing where your homeowners insurance premiums lie and some of the factors you can change is important. Every carrier looks at specific criteria and weighs them differently when calculating the cost of your home insurance. Some elements are outside of your control but there are many other factors that you can control or at least take heed of. Here are some of the carrier rating factors used by various home insurance companies:

  • Weather (including extreme weather such as tornadoes, hail, or flooding) 
  • The crime rate near your home
  • Your claims history
  • The coverages options you enroll in
  • Your credit score (better scores = lower rates)
  • The year your home was built, its construction type, and the square footage of your home
  • Discounts offered by your insurance carrier that can apply to your home

TGS Insurance can help narrow down your home coverage search with one of our many agents that run quotes through our bank of over 35 top-rated insurance providers at once (in 15 seconds!). This ensures that you’re getting the best price and customized coverage without any of the hassle.

Protecting Your Home in a Natural Disaster and Extreme Weather

Weather-related claims and natural disasters are an unfortunate part of life and homeowners need to protect themselves and their property with the right home insurance built for their needs. Should a catastrophic event occur, your homeowners insurance policy will need to have enough coverage to suffice with the event at hand. The right home insurance policy could make the difference between whether or not your claim is paid. Some of Odessa, TX’s natural disasters are unavoidable, but having the right home insurance to cover the unavoidable is easy with the help of an insurance agent from TGS Insurance.

Natural Disasters and Extreme Weather in Odessa, TX: 

  • Number of extreme weather events (1950-2010)2: 2,121
  • Most common event (1950-2010)2: Hail (1,164)
  • Number of tornadoes stronger than or equal to F2 (1950-2010)2: 18


Common Home Insurance Questions from Our Customers In Odessa, TX


Does homeowners cover lost jewelry?


Your homeowners insurance will cover lost jewelry up to the limits set by your policy. This is usually around $2,500 which means for more valuable pieces and collections, you’ll likely need to purchase an additional jewelry insurance policy to stay protected beyond your initial home insurance limits.


Can I buy homeowners insurance online?


Yes, you can! At TGS Insurance, we make it easy to purchase homeowners insurance online but always recommend contacting one of our agents for a more in-depth understanding of your policy and enrollment.


Will homeowners insurance cover water damage?


If the water damage is sudden and accidental and caused by a covered peril such as rain damage from a roof that has been damaged during a storm or accidental overflow that harms an appliance, your homeowners insurance will cover the damage. Water damage that is caused by normal wear and tear will not be covered. Homeowners should also be aware that flood events from outside of the home are not covered by home insurance but will instead require a separate flood insurance policy.


Our Local, Independent Agents Ready to Help You With Your Odessa, TX Homeowners Insurance:

Here at TGS Insurance Agency, our commitment is to work closely with each client to understand their coverage needs and find the right home insurance solution that is right for those needs. Through exceptional customer service and the ability to understand the industry as well as your personal situation, our policies and packages offer more value because we don’t just stop at finding you the right coverage at the lowest price.  We will continue to serve you and whatever you need- including regular policy reviews to make sure that you continue to receive the best rate on the market year after year.

Zip Codes in Odessa, 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 Odessa, 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 Odessa's Premier Home Insurance Provider

Odessa neighborhood

Odessa, TX is a cowboy culture city located in Western Texas. Odessa is known for its oil rigs and the iconic Friday Night Lights, a book and film based on a high school football team. The city thrives in the art scene with top-class performers and is also home to the second-largest meteor crater in the country.

Odessa neighborhood

Odessa homeowners all want an excellent homeowners policy that fits their needs and budget. At TGS Insurance, we shop your insurance with 35+ carriers to find Odessa residents the best policy. As a locally owned agency with thousands of customers, great customer service and extensive knowledge- we are proud to serve Odessa homeowners!

Key Home Statistics in Odessa


Total Population in Odessa, TX


Average Home Value in Odessa, TX


Median Household Income in Odessa, TX


Median Age in Odessa, TX

Trust TGS Insurance in Odessa

Data as of June 14, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Major Neighborhoods in Odessa, TX

Image of The Haven at Mission Neighborhood

The Haven at Mission

The Haven at Mission features plenty of stunning homes in a family-friendly community that provides a quality suburban life for its residents. Many shops and restaurants are nearby for residents as is the new Cinergy Theater.

Image of Esmond Estates Neighborhood

Esmond Estates

Esmond Estates is a beautiful neighborhood that is highly sought-after in Odessa, TX. Homes can enjoy a family-friendly environment all while having easy access to a variety of shopping, eating, and entertainment options including the Winwood Town Center and nearby Memorial Park.

Image of Judkins Neighborhood


Judkins is a small rural neighborhood in Odessa, Texas, near a variety of shops, restaurants, local businesses, and houses of worship. Paul Slator Park is nearby providing easy access to recreational activities.

Local Home Resources in Odessa, TX

Fire Departments
Fire Department-Odessa City Of119 W 4th St
Odessa, TX 79761
(432) 335-4650
Odessa Fire Dept1100 W 2nd St
Odessa, TX 79763
(432) 335-4650
Police Departments
ODESSA, TX 79769
Highway Patrol Svc1910 W Interstate 20
Odessa, TX 79769
Highway Patrol Svc1910 W Interstate 20
Odessa, TX 79763
Odessa Police Dept205 N Grant Ave
Odessa, TX 79761
Odessa Police Dept205 N Grant Ave
Odessa, TX 79769