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Port Neches, TX

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TGS Insurance is Your Trusted Home Insurance Partner in Port Neches, TX

How Much is Port Neches Home Insurance?


The average cost for homeowners insurance in Port Neches, TX is about  $1,496 per year. At TGS Insurance, our Port Neches, TX customers pay around $1,176 which means they are saving around $320 each year!


Calculating Premiums for Home Insurance in Port Neches, TX


Insurance companies determine your premium based on the amount of risk they take on by insuring your property. The higher the risk, the higher the premium.

Home insurance providers assess risk by looking at both the property itself and the surrounding area. Property-specific factors include home size, date of construction, and add-ons like swimming pools and guest homes. Regional factors like crime rates, home prices, and the likelihood of a severe weather event or natural disaster in your area can also impact your rates. If you live on a flood plain, for instance, you should expect to pay higher insurance premiums than the owner of a similar home on higher ground. Likewise, living in an area with high rates of vandalism and home burglary may also raise your costs.

Fortunately, your homeowners insurance premium isn’t completely out of your control. Installing home protection like security systems, motion-sensor lights, and surveillance cameras can help lower your rates. In some cases, simply having a high credit score can help make your homeowners insurance premium cheaper. 


At TGS Insurance, We’ll Find the Right Port Neches, TX Homeowners Insurance Coverage to Meet Your Needs


Homeowners insurance can be difficult to comprehend with all the industry terms. Watch the video below to get a more in-depth understanding of what homeowners insurance is and the different coverage options you get. 


Most Popular Additional Home Coverages in Port Neches, TX:


Flood Insurance: This specific policy covers damage to your home caused by rising waters from storm-related events like hurricanes, tropical storms, or a ton of rainfall. At TGS Insurance, we issue these policies through both FEMA and other private insurers.


Windstorm and Hail Coverage: Homeowners in Port Neches are no strangers to massive windstorms or hail storms. Hail is usually included in any standard homeowners insurance policy whereas windstorm protection is sometimes purchased as a separate ridealong policy. At TGS Insurance, we believe in providing you the most protection while also saving you money which is why we bake a 2% hail/windstorm deductible into every policy we write. 


Water Backup: Water backup is a popular optional add-on coverage that may help homeowners get financial assistance to help pay for water damage resulting from a sewer line backup, backed-up drain, or sump pump. It also provides coverage to your home as well as mold damage caused by water back-up. It costs on average around $30 per year. 


Common Port Neches, TX Home Insurance Questions from Our Clients


Will homeowners insurance cover water damage?

A standard homeowners insurance policy will cover water damage if it’s seemed sudden or an accident. Examples include a pipe burst or a water heater rupturing. It’s important to note that homeowners insurance will not cover any water damage if it could have been prevented due to lack of proper home maintenance. Water damage as a result of a flood is not covered in your standard homeowners insurance policy so you’ll need to buy a flood insurance policy. 


Do you need home insurance if your house is paid off?

In the state of Texas, you are not legally required to have homeowners insurance. However, if your home is paid off it’s still highly recommended to carry a basic homeowners insurance policy to avoid any major financial pitfalls should something happen to your home. 


Can you get homeowners insurance with bad credit?

You can still get a homeowners insurance policy with bad credit. Insurers use insurance credit scores to determine the risk of insuring your home. So if you’ve got a low credit score, you’re deemed riskier to insure, therefore will result in you paying a higher premium. 


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


TGS Insurance is made up of a team of knowledgeable industry leaders who are ready to assist you. We work with 35+ highly-rated insurance providers and our team will use their expert skills to find you the best policy for the best price. Your agent will provide exceptional customer service from start to finish and will walk you through the entire process so you can have peace-of-mind knowing all of your insurance needs are being taken care of. 

Home Insurance Carriers in Port Neches, TX

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 State Auto Logo
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TGS Insurance is Port Neches' Premier Home Insurance Provider

Port Neches neighborhood

Port Neches is a historic Texas city nestled next to the Neches River in Jefferson County. The riverfront community is home to about 13,000 Texans and is largely an outdoor-recreational city. Port Neches boasts a tight-knit community within a small-town setting. TGS Insurance is one of the leading insurance providers for Port Neches residents.

Port Neches neighborhood

Port Neches homeowners all want an exceptional homeowners policy at a great rate. At TGS Insurance, we shop your insurance with 35+ carriers to find Port Neches residents the best policy. As a locally owned agency with thousands of customers, great customer service and extensive knowledge- we win business from Port Neches residents every day.

Key Home Statistics in Port Neches


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Trust TGS Insurance in Port Neches

Data as of January 19, 2021




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Local Home Resources in Port Neches, TX

Fire Departments
Assassin Fire Services3165 Summit Dr
Port Neches, TX 77651
(409) 729-2508
Police Departments
Port Neches Police Dept1201 Merriman St
Port Neches, TX 77651