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

Save on Home Insurance in
Pharr, TX

We ONLY need your address

Quote looks like this
An Example Quote

See What Our Clients Have to Say


trust star

Based on 2,615 reviews

Showing our 4 & 5 star reviews
Homeowners Insurance  »  Texas  »  


Pharr Home Insurance Just Got A Lot Cheaper!


How Much Does Pharr, TX Homeowners Insurance Cost?

The average cost for homeowners insurance in Pharr, TX is about $2,319 every year. At TGS Insurance our Pharr, TX customers pay an average of $1,261 per year for their home insurance which means they are saving $1,058 every year compared to the city average!

What Does the Standard Pharr, TX Homeowners Insurance Policy Cover?

Homeowners insurance is there to help repair or replace your home and personal items if they get damaged by a covered peril such as theft or fire. It also covers the cost if you are liable for damaging someone’s property or if a guest gets injured at your home, as well as any hotel bills if you’re displaced from your home. Every homeowner needs to know what’s in their home insurance policy so you know exactly what coverages you do and don’t have. The average home insurance policy offers six different types of coverage, let’s review what those are: 

Coverage A – Dwelling

Dwelling protection helps cover the physical structure of your home, including any wiring or plumbing! It’s important to remember that your dwelling coverage should be enough to cover your home to its current value.

Coverage B – Other Structures

This type of coverage protects other structures on your property that may be separate from your home, such as a detached garage, shed, or fence.

Coverage C – Personal Property

Personal property protection helps cover the costs to repair or replace your personal items inside and outside your home. Items include appliances, clothing, electronics, furniture, as well as valuables such as artwork, jewelry, and various collectibles. If your high-value items exceed your policy limits, talk to your insurance agent about a supplemental policy to bridge any gaps in coverage. 

Coverage D – Loss of Use

Loss of Use coverage pays for any additional living expenses (hotel and food) if your home becomes temporarily uninhabitable due to a named peril in your policy. 

Coverage E – Personal Liability

Personal Liability coverage protects you in the event someone files a claim against you because you are at fault for causing bodily injury or property damage. 

Coverage F – Medical Payments to Others

This type of coverage provides compensation for medical bills if a guest were to get injured on your property. This coverage does not apply to you or members of your household. 

At TGS Insurance Agency, our independent agents are dedicated to working with you to build 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.

Go Beyond Standard Coverage With Common Home Insurance Endorsements in Pharr, TX

Water Backup: Water damage due to a water backup is the second most filed claim in Texas and unfortunately is not covered in your standard home insurance policy. A water backup policy add-on would offer financial coverage for any sewage, drain, or sump pump backups with coverage starting at $5,000 going up to $25,000. This add-on can cost anywhere between $50 to $250 per year depending on how much coverage you want! 

Flood Insurance: Flood damage is not covered by your home insurance policy, so if you’re seeking full protection against a flood, a flood insurance policy is a must. The average policy in Texas costs about $634 per year but will vary depending on where you live. At TGS Insurance, we work with both government and private insurers to find you a policy that works best for your needs and budget.

Windstorm and Hail Coverage: Pharr, TX is not too far from the Texas coastline where homeowners are regularly hit with hurricanes, tropical storms, and severe thunderstorms that can cause devastating wind and hail damage to their homes. In fact, wind and hail damage are the two most filed claims in Texas! It’s important for Pharr, TX homeowners to have the proper wind and hail coverage because without it, you could be left paying for the repairs, which average about $10,182. At TGS Insurance, we want you to feel confident you’re protected for anything which is why we automatically write in a 2% wind/hail deductible into every policy we write! 

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

Some insurance providers offer perks when you combine your policies with them and can earn major discounts! Do you have a car, motorcycle, boat, or RV? Talk to your agent about what bundling options are available to you so you can start saving even more! 

Zip Codes in Pharr, TX That We Insure:


  • 78577

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 Pharr, 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 Pharr's Premier Home Insurance Provider

Pharr neighborhood

Pharr, TX is just 80 miles away from the U.S.- Mexico border and offers its residents a quaint, small-town feel with all the amenities a big city can offer. Like most cities in the Rio Grande Valley, Pharr, TX is home to a beautiful wildlife and nature scene, with the Santa Ana National Wildlife Refuge being one of the city's biggest attractions. It's easy to see why so many Texans call Pharr, Texas home!

Pharr neighborhood

Residents of Pharr, TX all want an exceptional homeowners policy that meets their needs and saves them money. At TGS Insurance, we shop your policy with 35+ carriers to find Pharr, TX residents the best policy at a great rate! As a Texas owned agency with thousands of customers, great customer service, and extensive industry knowledge- we win business from Pharr, TX homeowners every day!

Key Home Statistics in Pharr


Total Population in Pharr, TX


Average Home Value in Pharr, TX


Median Household Income in Pharr, TX


Median Age in Pharr, TX

Trust TGS Insurance in Pharr

Data as of May 29, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Major Neighborhoods in Pharr, TX

Image of Maria Elise Estates Neighborhood

Maria Elise Estates

Maria Elise Estates is a newly-built community located on Owassa Road and North Fir Street. Near the area is the Plaza Sports Center and San Juan Community Resource Center.

Image of Sothgate Neighborhood


Southgate is a 55+ gated community located in the heart of the Rio Grande Valley. Within the community is a resort-style swimming pool and tennis courts.

Image of West Oak Manor Neighborhood

West Oak Manor

West Oak Manor is conveniently located on Sugar Road. In the near future, the community will feature a park with walking trails, BBQ areas, basketball courts, and much more!

Local Home Resources in Pharr, TX

Fire Departments
Fire Department118 S Cage Blvd
Pharr, TX 78577
(956) 787-2703
Police Departments
Pharr Police Chief1900 S Cage Blvd
Pharr, TX 78577
Pharr Police Dept1900 S Cage Blvd
Pharr, TX 78577