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

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Plano, TX

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Plano Home Insurance Made Easy: We Shop. You Save.


When it comes to Plano homeowners insurance, Texas property owners can rely on TGS Insurance Agency for personalized coverage.

A basic homeowners insurance policy will cover the following:

  • Your home’s structure
  • Replacement costs
  • A limited amount of personal items
  • Living expenses in case of a disaster such as a flood, fire, or severe windstorm.
  • Liability in the event of an injury occurring on your property

You can purchase supplemental policies to add to your home insurance suite such as:

  • Valuable Articles/Floater policies (i.e. Jewelry Insurance)
  • Flood policies
  • Windstorm/hail coverage
  • Umbrella policies (additional liability)
  • Animal Liability (liability issues due to household pets)

Plano Home Ownership Costs

In Plano, TX, home insurance premiums average $3,021 annually, which is over the national average of $2,305 per year. Texas comes in with the 5th highest average insurance premiums in the country.

Median Home Value (owner-occupied)1: $291,300
Median Household Income1: $92,121

Are you a first-time homeowner? Or maybe you are simply looking to reevaluate your home insurance costs? Either way, TGS Insurance is here to help you find the right policy for your home. Our average customer in Plano, TX pays $1,675 for an annual savings of $1,346 compared to the area average!

Most Popular Additional Home Coverages in Plano, TX:

Windstorm and Hail Coverage: Living in Plano, TX, homeowners can be sure of one thing: storms. From severe thunderstorms which can bring hail and tornadoes to the remnants of tropical storms and hurricanes coming in from the Gulf Coast. These weather events can produce wind and hail damage that can require costly repairs to your property and without the right coverage, you’ll be stuck paying for them out of pocket. TGS Insurance believes you should be prepared for anything and that includes wind and hail damage. This is why we automatically include a 2% deductible for any windstorm/hail damage in every homeowners insurance policy we write.

Water Backup: Water damage from inside of your home due to sewer or drainage backup can cost you thousands of dollars and is not covered by homeowners insurance nor flood insurance. Luckily, TGS Insurance provides add-on protection that can help you restore $5,000-$25,000+ worth of damages due to these events.

Flood Insurance: 20-25% of flood claims come from homes outside of flood zones and considering the range of devastation and how expensive restoring your homes and possessions in the aftermath can be, adding flood coverage to protect your home is an important policy for every homeowner.

Most Common Plano, TX Home Insurance Questions from Our Clients


Does homeowners insurance cover water damage from rain?

If the damage is caused by rain that has entered your home from a roof that was damaged during a storm, you can be reimbursed for the damages you sustain. And contrary to popular belief,  flood damage will not be covered by your home insurance. For better protection, we recommend all homes add a flood insurance policy to protect against these weather-related perils.

Does homeowners insurance cover tree damage?

While you may be held responsible for paying your deductible, tree damage is usually covered by your home insurance policy.

Are appliances considered personal property by homeowners insurance?

Your appliances are generally covered by your homeowners insurance as personal property; however, if an issue were to arise that is related to the natural wear and tear of said appliance, you would need a home warranty or some other type of protection as this is not an included peril in most home insurance policies.

Our Featured Agents Are Ready to Help You With Your Plano, TX Homeowners Insurance:

Ready to serve homeowners throughout Plano, TX, TGS Insurance is here to find you the right policy for the lowest price available. Our team of top-rated agents provides a stress-free experience thanks to our noted expertise and an unparalleled level of customer service.




Home Insurance Carriers in Plano, 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 Plano's Premier Home Insurance Provider

Plano neighborhood

Plano, Texas is a city north of Dallas with a diverse population known for its strong businesses. Known as the "City of Excellence", Plano continues to balance small-town charm with big-city productivity.

Plano neighborhood

Residents of Plano all want the same thing- an excellent homeowners policy at a great rate. TGS Insurance finds the best policies by shopping your policy with 35+ top-rated carriers in Plano, TX. As a Texan owned agency we win business from Plano, TX residents every day with our great customer service and extensive knowledge.

Key Home Statistics in Plano


Total Population in Plano, TX


Average Home Value in Plano, TX


Median Household Income in Plano, TX


Median Age in Plano, TX

Trust TGS Insurance in Plano

Data as of April 24, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Major Neighborhoods in Plano, TX

Image of Kings Gate Neighborhood

Kings Gate

Kings Gate is a beautiful private community featuring some of the most luxurious homes in Plano. Residents are only a short ride from many golf courses and recreational activities.

Image of Hunters Ridge Neighborhood

Hunters Ridge

Hunters Ridge is a popular neighborhood that provides charm and community to its residents. Located 30 minutes from both the Dallas/Ft. Worth airport and downtown Dallas.

Image of Heritage Creekside Neighborhood

Heritage Creekside

Heritage Creekside is a quiet community located near many different shops and restaurants. Residents also enjoy being close to both President George Bush Turnpike and US 75.

Image of Normandy Estates Neighborhood

Normandy Estates

Normandy Estates is a beautiful gated community located with quick access to the Sam Rayburn Tollway. Residents enjoy many shops and restaurants in the area.

Image of Park Forest Neighborhood

Park Forest

Park Forest is a peaceful neighborhood filled with wonderful residents. Residents have easy access to many attractions including Big Lake Park and the Arbor Hills Nature Preserve.

Image of Deerfield Neighborhood


Deerfield is a quaint community located near many shops, eateries, and the Children's Medical Center.

Local Home Resources in Plano, TX

Fire Departments
Murphy Fire Department206 N Murphy Rd
Plano, TX 75094-3512