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

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Richardson, TX

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Stop Overpaying for Your Richardson Home Insurance


How Much Does Home Insurance in Richardson, Texas Cost?

On average, homeowners insurance in Richardson costs $1,642 per year among TGS Insurance Agency customers. This average includes a windstorm and hail deductible of 2% and is based on policies with an average home value of $374,104. While every policy is different and contingent on multiple factors, we have been able to save our Texas customers an average of $870 per year on their home insurance premiums when they switch to us. To see how much you could be saving, enter your address above for a free, instant quote.

Comparing the Average Home Insurance Quote in Richardson, TX by Home Value

Below is a comparison of the average home insurance quote from TGS Insurance Agency in Richardson by home value for several price point ranges common in the area. Home value is one of many factors that influences your home insurance rate. Below, home values are rounded to the nearest $25,000 so $150,000 includes homes in the $125,000 to $175,000 range and so on.

Home ValueAverage Annual Premium (incl. Wind Coverage)


How to Get the Best Homeowners Insurance in Richardson, TX


Home insurance rates vary from carrier to carrier because they all use their own formulas to calculate the risk of insuring a property so the best way to save is to shop around and compare quotes. Sound time-consuming (and boring) to do this on your own? It is. Luckily, residents of Richardson, TX can find the best homeowners insurance for their homes with ease thanks to TGS Insurance. Our free online quoting tool provides you with an accurate, hassle-free quote by just entering your address and you can get your quote in 15 seconds or less! From there, one of our independent agents can help you customize your policy to make sure all your coverage needs are met. In short: we shop, you save.  


Common Richardson, TX Home Insurance Questions from Our Clients


Is foundation repair covered under homeowners insurance?


If your home’s foundation is damaged from a covered peril listed in your policy, your homeowners insurance will pay for the repairs. If the damage is from another event such as flooding, you’ll need the appropriate coverage for the event in question or have to pay for the repairs on your own.


Does homeowners insurance cover tree damage?


Tree damage that is a result of damage from a covered peril is covered by your homeowners insurance policy. Trees that fall and do not cause damage may require removal but may not be a covered event under your policy. Rotting trees or trees that require maintenance that fall will also not be covered by your homeowners insurance policy.


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


While you might not have a mortgage company requiring it anymore, the reality is that all homes should have home insurance. The dangers that your home is exposed to do not change after you pay off your home and the risk of not having home insurance is simply too great.

Zip Codes in Richardson, TX That We Insure:

  • 75080
  • 75081
  • 75082
  • 75083
  • 75085

Don’t see your zip code listed? Don’t worry, as long as your home is in Texas we can cover you! Start with your free instant quote by providing your address.

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

Richardson neighborhood

Richardson, TX, is a suburb nestled between Dallas and Plano. Home to many parks, those who live within the community will find a nice balance of recreational activity with quick access to city life all around them. The area is home to many shops and restaurants with other unique additions including indoor go-karting and The University of Texas at Dallas.

Richardson neighborhood

Homeowners of Richardson, TX all love their community and are searching for the same thing- the best homeowners insurance coverage for the lowest price available. TGS Insurance finds the best policies for homeowners in Richardson, TX, by shopping throughout our bank of 35+ top-rated carriers. As a Texan owned agency, TGS Insurance wins business from the homeowners of Richardson, TX, every day through our great customer service and extensive industry knowledge.

Key Home Statistics in Richardson


Total Population in Richardson, TX


Average Home Value in Richardson, TX


Median Household Income in Richardson, TX


Median Age in Richardson, TX

Trust TGS Insurance in Richardson

Data as of June 14, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Major Neighborhoods in Richardson, TX

Image of Richardson Heights Neighborhood

Richardson Heights

Richardson Heights is a mainstay community to the west of downtown Richardson, Texas. Shopping and dining are close by at the Central Center Shopping Center. Residents can easily navigate around town with proximity to US-75.

Image of Richardson Terrace Neighborhood

Richardson Terrace

Richardson Terrace is a family-friendly neighborhood just northeast of downtown Richardson, TX. Terrace Park features a pool and is a great place for recreation. Families will also enjoy the proximity to Richardson Terrace Elementary.

Image of Highland Terrace Neighborhood

Highland Terrace

Highland Terrace is a larger neighborhood encompassing the east side of Richardson, Texas. There are many residential areas, shops, and restaurants dispersed throughout the community.

Image of Richardson Trails Neighborhood

Richardson Trails

Richardson Trails is a community north of Richardson, Texas, near a Whole Foods Market and other shops and eateries. Here, modern city amenities are a short drive away, with the Renner Trail close for recreation.

Image of Saddlebrook Neighborhood


Saddlebrook is a community featuring large, beautiful homes in Richardson, Texas. Residents are close to the illustrious Breckinridge Park, one of the best centers for recreation in the region.

Image of Sharp Estates Neighborhood

Sharp Estates

Sharp Estates features some of the most sought-after homes in Richardson, Texas. These beautiful homes are near Breckinridge Park and the Methodist Richardson Medical Center.

Local Home Resources in Richardson, TX

Fire Departments
Richardson Fire Dept136 N Greenville Ave
Richardson, TX 75081
(972) 238-3800
Police Departments
Richardson Police Dept140 N Greenville Ave
Richardson, TX 75085
Richardson Police Dept140 N Greenville Ave
Richardson, TX 75081
Richardson Police Dept-Jail140 N Greenville Ave
Richardson, TX 75085