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Prosper, TX

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Comparison Shop Your Home Insurance Policy in Prosper, Texas from 35+ A-rated Carriers in Seconds! 

TGS Insurance is an independent, Texas-owned agency that is dedicated to providing our customers with an excellent experience. We’re carrier-agnostic, meaning we work for YOU, not your insurance company. With just your address, TGS Insurance shops your home insurance policy instantly across our bank of 35+ A-rated (or better) carriers to find the policy that fits your coverage needs and budget the best. There are no gimmicks, no BS, just the best homeowners insurance for your home at a low rate!

 

How Much is Home Insurance in Prosper, Texas? 

 
Homeowners insurance in Proper costs an average of $1,281 per year among TGS Insurance Agency customers. This average includes windstorm and hail coverage with a 2% deductible and is based on policies with an average home value of $405,903. Policies will vary depending on your individual needs but, TGS Insurance Agency has been able to save our customers an average of $870 a year on their home insurance when they make the switch! Seeing how much you could save is as easy as entering your address above for a free, no-hassle instant quote! 
 

Comparing Prosper Home Insurance Quotes by Home Value

 
Home value is one of several factors that influences your home insurance rate. Below is a comparison of the average home insurance quote from TGS Insurance Agency in Prosper by home value. Please note that home values are rounded to the nearest $25,000 so $200,000 includes homes in the $175,000 to $225,000 range and so on.

Home ValueAverage Annual Premium (incl. Wind Coverage)
$200,000$902
$250,000$1,025
$300,000$1,118
$350,000$1,151
$400,000$1,246
$450,000$1,371
$500,000$1,440
$550,000$1,608
$600,000$1,715
$650,000$1,910
$700,000$2,043
$750,000$2,127
 

What Does My Home Insurance Policy in Prosper, Texas Cover? 

 
A basic homeowners insurance policy (HO-3) will cover: 

  • The physical structure of your home 
  • Additional structures on your property such as sheds and detached garages
  • Your personal property (Ex. appliances, clothing, electronics, jewelry, etc.) 
  • Living expenses should your home become unlivable
  • Liability (medical and legal protection)

 

Your home insurance policy helps cover you against many perils, however, there are policy limits. If you require additional coverage, supplemental and add-on policies are available for homeowners that can be added to your home insurance policy to fill any gaps. Some of the most popular policy add-ons for homeowners in Prosper, Texas are: 

  • Scheduled personal property 
  • Valuable Articles/Floater policies (Ex. jewelry insurance for items that surpass policy limits) 
  • Umbrella insurance (additional liability coverage) 
  • Animal liability
  • Flood insurance (Flood damage is NOT covered under home insurance) 
  • Water backup coverage 

 

Zip Codes in Prosper, Texas That We Insure: 

  • 75078

Don’t see your zip listed? As long as it’s in Texas, TGS Insurance has you covered with great home insurance! 

Home Insurance Carriers in Prosper, TX

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TGS Insurance is Prosper's Premier Home Insurance Provider

Prosper neighborhood

Prosper, Texas is a city nestled to the east of Denton and the west of McKinney. There are plenty of recreational opportunities including parks, active communities, and Frontier Park- a place built for a variety of sports. Prosper, Texas boasts many local shops and restaurants for visitors and residents to enjoy alike and is one of the most sought-after suburban areas north of Dallas. TGS Insurance is proud to serve the Proper, Texas community as one of the leading home insurance providers for the city!

Prosper neighborhood

At TGS Insurance, we know homeowners in Prosper, Texas all want the same thing- a great home insurance policy without breaking the bank. We pride ourselves on offering our customers some of the best rates the market has to offer by shopping each individual policy through our suite of 35+ A-rated (or better) carriers to find a home insurance policy that's perfectly balanced in value and coverage. We win business from Prosper, Texas every day through our extensive industry knowledge, exceptional customer service, and of course- great home insurance policies!

Key Home Statistics in Prosper

24,579

Total Population in Prosper, TX

$459,900

Average Home Value in Prosper, TX

$146,733

Median Household Income in Prosper, TX

36

Median Age in Prosper, TX

Trust TGS Insurance in Prosper

Data as of October 25, 2021

15,000

Total
Customers

$4.27B

Total Assets Covered Projected

13,700

Total Homes Insured

5,200

Total Vehicles Insured

Major Neighborhoods in Prosper, TX

Image of Star Trail Neighborhood

Star Trail

Star Trail is an elevated living community in Prosper, Texas that provides an eye-popping community center, too many amenities to list, and a community feel, all within a quiet neighborhood.

Image of Willow Ridge Neighborhood

Willow Ridge

Willow Ridge is one of the most desirable neighborhoods in Prosper, Texas due to its stunning homes, community feel, and location to downtown and other centers for shopping and eating. A variety of amenities including a private lake highlight the neighborhood.

Image of Lakes of La Cima Neighborhood

Lakes of La Cima

Lakes of La Cima offer residents an elevated way of life with plenty of amenities and schools nearby. Residents also enjoy eateries and shops nearby as well as great proximity to downtown.

Image of Gentle Creek Estates Neighborhood

Gentle Creek Estates

Gentle Creek Estates is found in the northeast side of Prosper, Texas where the stunning homes and tranquil vibes are only interrupted by the sound of golf balls being hit throughout its beautiful golf course. Shops and restaurants are only a short ride away with plenty of amenities for residents to enjoy.

Image of The Parks Neighborhood

The Parks

The Parks is a great place for those who live a recreational lifestyle. Featuring trails, a pool and splash pad, a park, and a playground, The Parks is a family-friendly community built for families to enjoy the outdoors while retaining a closeness to shops and restaurants in Prosper, Texas.

Image of Lakes of Prosper Neighborhood

Lakes of Prosper

Lakes of Prosper is a great place for families featuring beautiful homes and easy living. Homeowners will find everything they need here with schools, shops, and restaurants within the surrounding area. Residents enjoy a variety of sports and recreational activities at the nearby Frontier Park.