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

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Richwood, TX

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


Comparison Shop Home Insurance in Richwood from Multiple Carriers in Minutes!

Richwood, TX homeowners pay on average $1,205 a year for homeowners insurance. When customers compare homeowners insurance policies with TGS Insurance, our average customer saves $870 per year! All we need is your address to instantly shop and compare your policy across 35+ A-rated (or better) carriers in 15 seconds or less. No B.S., just a great policy with even better savings.


When It Comes to Richwood Homeowners Insurance, Texas Property Owners Can Rely on TGS Insurance for Individualized Coverage.


Every standard homeowners insurance policy includes the following protections: 

  • Dwelling coverage
  • Other structures (Fence or detached garage) 
  • Personal property coverage (Appliances, electronics, furniture, etc.) 
  • Loss-of-use coverage (Ex: your home takes on severe water damage due to a burst pipe and becomes unlivable)  
  • Personal liability coverage 
  • Medical payments coverage 


Homeowners should consider a few policy add-ons to bridge any gaps in coverage not provided by their standard homeowners insurance policy. Policy add-ons include: 

  • Flood insurance 
  • Water backup (Sewer backup or drain backup not usually covered by home insurance) 
  • Animal liability (Household pet not covered by home insurance) 
  • Umbrella policies
  • Value articles or a floater policy (Ex: Jewelry insurance for extra protection) 


TGS Insurance believes that every customer should have access to homeowners insurance policies that protect you against any element, without costing a fortune by purchasing extra policies. This is why we automatically write in a 2% wind/hail deductible into every single policy we write for Richwood, TX homeowners. 


Comparing the Average Cost of Homeowners Insurance in Richwood By Dwelling Coverage Limit


Coverage LevelAverage Annual Premium (incl. wind coverage)
$75k Dwelling$2,069
$150k Dwelling$3,094
$200k Dwelling$3,746
$350k Dwelling$5,576

*Information used from Help Insure from the Texas Department of Insurance. We applied a methodology of a homeowner with average credit, a home between 10-34 years of age, made of brick in Richwood, TX. Includes wind coverage.


Average Home Value in Richwood, TX 


The average home value in Richwood, TX in 2020 is $202,676, which is $59,362 more than the 2010 average of $143,314. Though the average home value dipped in 2012 to a low of $134,334, the city has seen a steady increase year after year throughout the rest of the decade.

*This data is provided by Zillow Home Value Index (ZHVI): A smoothed, seasonally adjusted measure of the typical home value and market changes across a given region and housing type. It reflects the typical value for homes in the 35th to 65th percentile range.


Bundle and Save Even More on Your Homeowners Insurance!


One of the best ways to save on your home and auto insurance policies is to bundle them! Policyholders can save an average of 16% annually, with some saving substantially more. 


TGS Insurance makes it easy for Richwood residents to bundle their home and auto policies together. We’ll comparison shop both of your policies across our bank of 35+ A-rated carriers (Allstate, Progressive, etc.) to get you the best-bundled deal that’s packed with savings without sacrificing on coverage.


Our Agents Are Ready to Help You With Your Richwood Homeowners Insurance:


At TGS Insurance, we don’t believe homeowners should have to pay a bundle for insurance just for good coverage and vice versa. We deliver a stress-free, seamless approach to purchasing home insurance by handling everything from start to finish. From canceling existing policies, working with your mortgage company, and setting up new policies- we have it all! Meet some of the agents already helping Richwood, TX residents save on homeowners insurance today!


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

Richwood neighborhood

Richwood, Texas was founded in 1957 and is located within Brazoria County. The historical city started from humble beginnings and was built on land from Stephen F. Austin's original land grant from Mexico. Richwood is a thriving and growing city that prides itself on its community. TGS Insurance is one of the leading insurance providers for Richwood residents.

Richwood neighborhood

At TGS Insurance, it’s our goal to provide Richwood homeowners with the best home insurance policy at a great rate from one of our 35 A-rated or better carriers. We win business from Richwood residents every day because we’re a five-star rated agency with thousands of customers and provide an exceptional customer service experience!

Key Home Statistics in Richwood


Total Population in Richwood, TX


Average Home Value in Richwood, TX


Median Household Income in Richwood, TX


Median Age in Richwood, TX

Trust TGS Insurance in Richwood

Data as of February 24, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Major Neighborhoods in Richwood, TX

Image of Oakwood Shores Neighborhood

Oakwood Shores

Oakwood Shores is a community that embodies country living. The neighborhood features amenities like a playground, basketball court, boat ramp, pavilion and walking paths.

Image of Glenwood Bayou Neighborhood

Glenwood Bayou

Glenwood Bayou is nestled off of FM-2004. Homeowners in this neighborhood are not too far from Bobby Ford Park, Dow Woods Trails, as well as a variety of local businesses.

Image of Audubon Woods Neighborhood

Audubon Woods

Audubon Woods is located off of Brazosport Blvd. The neighborhood is close to Brazosport College, Dow Woods Trails and Plantation Oaks Park.