Save On Home Insurance in Port Neches, TX | TGS Insurance Agency

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Port Neches, TX

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Homeowners Insurance  »  Texas  »  

Port Neches

TGS Insurance Agency is Making Home Insurance in Port Neches Easier Than Ever


How Much is Port Neches Home Insurance?


The average cost of home insurance in Port Neches is $2,081 for TGS Insurance Agency customers. This average is based on an average home value of $228,209 and includes wind/hail coverage. We’ve been able to save our customers an average of $870 per year when switching their home insurance- to see how much you could be saving, start with an instant quote above by providing your address (yes, your address and 15 seconds is really all it takes!).

Average Cost of Home Insurance in Port Neches Based on Home Value

Home insurance premiums will vary from home to home depending on several factors, such as the coverage you select and the value of your home. Below are average home insurance quotes from TGS Insurance Agency arranged by home value.

Home ValueAverage Annual Premium (incl. Wind Coverage)

Please note that each home value is rounded to the nearest $25,000, so in the table above, the home value of $150,000 includes homes in the $125,000-$175,000 range.

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 may 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. For instance, if you live on a flood plain, 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 vandalism and home burglary rates may also raise your costs.

Fortunately, your homeowners insurance premium isn’t entirely 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. 


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 frequently needs to be purchased as a separate ride-along 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 widespread 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 backup. 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 deemed sudden or an accident. Examples include a burst pipe 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 or was caused due to a lack of proper home maintenance. Water damage resulting from 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 significant 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 Agency comprises 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 handled.

To get started, provide your address above for your free, instant quote!

Home Insurance Carriers in Port Neches, 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 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


Total Population in Port Neches, TX


Average Home Value in Port Neches, TX


Median Household Income in Port Neches, TX


Median Age in Port Neches, TX

Trust TGS Insurance in Port Neches

Data as of July 18, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Major Neighborhoods in Port Neches, TX

Image of Windsor Place Neighborhood

Windsor Place

Windsor Place can be found just off of Twin City Highway. Homeowners in this neighborhood are close to a variety of parks, restaurants and local businesses.

Image of River Park Estates Neighborhood

River Park Estates

River Park Estates is located near the Port Neches River. Near the area is Oak Bluff Memorial Park, as well as several local eateries and businesses.

Image of Ridgemont Neighborhood


Ridgemont is an established neighborhood on the south end of Port Neches, Texas. The community is near many restaurants, shops, local businesses, and houses of worship.

Image of New Texas Neighborhood

New Texas

New Texas is a wonderful community near the heart of Port Neches, TX. Residents enjoy contemporary rural suburban homes while having access to local shops, restaurants, and social hubs including The Avenue Coffee & Cafe.

Image of Indian Village Estates Neighborhood

Indian Village Estates

Indian Village Estates is a well-established community found in the south-central portion of Port Neches, Texas. This neighborhood is close to the recreational hub known as Central Park as well as many local eateries and shops.

Image of Ridgewood Manor Neighborhood

Ridgewood Manor

Ridgewood Manor is a community nestled in the south of Port Neches, TX. Here, residents can enjoy a variety of shops and restaurants as well as recreation at nearby Meadowgreen Park.

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