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

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Rockport, TX

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What Does Home Insurance Cost in Rockport, Texas? 

The average cost for homeowners insurance in Rockport, Texas is about $1,192 per year, which is $2,237 less than the Texas statewide average of $3,429 per year. At TGS Insurance, our customers save an average of $870 each year on homeowners insurance!


What Will The Standard Home Insurance Policy in Rockport, Texas Cover? 

Understanding what your home insurance policy does and doesn’t cover is imperative for every homeowner because your homeowners insurance policy will clearly state what your provider will compensate you for, and how much, should you suffer a covered loss. Home insurance doesn’t protect everything, so that is why it is so important that you know what type of coverage you have. Let’s take a look at what the most common type of home insurance policy, a HO-3 policy, protects. 


Coverage A- Dwelling

This protects the physical structure of your home and anything that’s attached to it, such as your plumbing, wall structure, flooring, wiring, etc. A good rule of thumb is to get enough coverage to completely replace your home to its current value plus construction costs in the event it is demolished. 


Coverage B- Other Structures

Other structures coverage protects detached structures on your property such as your garage, fence, or shed. 


Coverage C: Personal Property

Personal Property coverage protects your personal belongings inside and outside your home. Examples include appliances, electronics, clothing, furniture, jewelry, etc. If you have valuable items that exceed your policy limits, talk to your insurance agent about add-on policies to fill in the coverage gaps.


Coverage D: Loss Of Use 

Loss of Use covers the costs for additional living expenses in the event your home is uninhabitable due to damage from a listed peril. Expenses covered include hotel or restaurant bills- but up to a certain limit. 


Coverage E: Personal Liability

Personal liability coverage will cover any legal fees or monetary losses should you or someone in your home be found liable for someone getting injured on your property, or caused damage to someone else’s property. 


Coverage F: Medical Payments 

If someone is injured on your property it covers the medical fees, regardless of who is at fault. It’s important to note that this does not apply to you or members of your household. 


Home Insurance Price by Coverage Amount in Rockport, Texas 

When you compare your current home insurance premium with other premium averages in your area, it can help you see if you’re overinsured or underinsured. (Both of which are not a good thing.) You don’t want to have too much coverage because you could be paying for protection you don’t even need or can’t use. And if you don’t have enough coverage you could be financially vulnerable and may have to pay for damages out of pocket should you need to file a claim.


Let’s take a look at the average home insurance policy premium by coverage amount in Rockport, Texas: 

Coverage AmountAverage Annual Premium (incl. Wind Coverage)

*We used the Texas Department of Insurance to calculate premiums. Methodology based on a homeowner with average credit, owns their home, no claims within the past 5 years, age of house is 10 to 34 years made of brick and includes windstorm coverage.


Popular Home Insurance Policy Endorsements in Rockport, Texas 


Hail/Windstorm Insurance: The two most common home insurance claims in Texas are for wind and hail damage. It’s important for Rockport, Texas homeowners to have the proper wind/hail coverage should your home take on damage due to a gusty storm such as a tornado, hail, hurricane, tropical storms, and even heavy rainfall. If left without the proper coverage, homeowners may have to pay for the repairs out of pocket. At TGS Insurance, we want you to be fully protected for anything, which is why we automatically write in a 2% wind/hail deductible into every policy we write! 


Water Backup Insurance: Water damage due to a broken sump pump, or backed up drainage or sewage system is inconvenient, disgusting, expensive to clean up, and unfortunately, not covered under your standard home insurance policy. Adding a water backup policy endorsement is a great and inexpensive way to stay covered from this type of event! The average cost is anywhere between $50-$250 per year with coverage starting at $5,000 going up to $25,000. 


Flood Insurance: Flood insurance is a separate policy from your homeowners insurance that pays to repair your home and replace your personal belongings if damage occurs due to a flood. Water damage caused by a flood is not covered in your homeowners insurance policy, so it’s imperative for Rockport, Texas homeowners to purchase a flood insurance policy since your area is deemed a “high risk” for flooding.  The average flood insurance policy in Texas costs about $634 per year but can vary depending on where you live. At TGS Insurance, our average homeowner pays $528 per year for flood insurance! 


Why Buy Home Insurance in Rockport, Texas with TGS Insurance Agency 

Good home insurance at a  fair rate shouldn’t be so hard to find and with TGS Insurance, it’s not. We shop every policy through our bank of 35+ A-rated (or better) carriers to find a homeowners insurance policy that is perfectly balanced with the protection you need, at a low price. 


The best part? We don’t stop at a great quote either, our agents will do all the heavy lifting from start to finish so you don’t have to. From getting payment setup to canceling old policies- all of the nitty-gritty paperwork, we’ll handle it all for an easy, stress-free shopping experience! 


The secret to saving on home insurance is to be proactive and shop your policy every year, but honestly who has the time? We do! When it’s time for renewal, we’ll re-shop and compare your policy to ensure you’re still getting the best rate and coverage the market has to offer. If not, we’ll handle getting you swapped over so you’re always paying the lowest for home insurance, without ever sacrificing on coverage. 


We don’t like to toot our own horn, but we will let our reviews speak for themselves. We’re rated 4.8 out of 5 stars on TrustPilot with over 1,600 reviews! 


Zip Codes in Rockport, Texas That We Insure

  • 78381
  • 78382 


Don’t see your zip code listed? Don’t worry! As long as you live in Texas we’ve got you covered! 

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

Rockport neighborhood

Rockport, Texas is a coastal city located between Copano Bay, Aransas Bay, and Port Bay in Aransas County. The city is home to many museums, historical landmarks, natural points of interest, and of course- picturesque beaches! Residents of this gorgeous community are never out of things to do, from hiking, biking, and birding at Rockport Memorial Park or Turtle Creek Hike and Bike Trail, to enjoying art at the Rockport Center for Arts, to having a beach day to swim, surf, or just relax on Rockport Beach- there's no shortage of fun in Rockport, Texas. It's easy to see why so many Texans call this city home!

Rockport neighborhood

At TGS Insurance, we only work with the best of the best, which is why Rockport, Texas homeowners can always expect a great home insurance policy from an A-rated (or better) insurance carrier at a super low rate! As a Texas-owned agency with over 14,000 customers across the state, we win customers in Rockport, Texas every day with our extensive industry knowledge, exceptional customer service, and of course- great home insurance policies.

Key Home Statistics in Rockport


Total Population in Rockport, TX


Average Home Value in Rockport, TX


Median Household Income in Rockport, TX


Median Age in Rockport, TX

Trust TGS Insurance in Rockport

Data as of July 18, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Major Neighborhoods in Rockport, TX

Image of Copano Village Neighborhood

Copano Village

Copano Village is a bayside neighborhood featuring eclectic beach homes. It’s impossible to find a community that isn’t close to the coast in Rockport, Texas, but residents here enjoy premium coast side real estate right along Copano Bay.

Image of Wandering Oaks Neighborhood

Wandering Oaks

Wandering Oaks is a well sought-after community featuring newer homes for residents of Rockport, TX. Those who call this neighborhood home are near many local shops and eateries with an easy commute to Rockport Beach.

Image of Heron Oaks Neighborhood

Heron Oaks

Heron Oaks features beautiful suburban homes near the center of Rockport, TX. Residents have easy access to many of the city’s amenities, especially Memorial Park and the Community Aquatic and Skate Park.

Image of Rockport Country Club Neighborhood

Rockport Country Club

Rockport Country Club features beautiful homes on larger lots in Rockport, TX. Residents have access to a beautiful golf course, tennis courts, and are close to all of their favorite shops, restaurants, and beaches.

Image of Key Allegro Neighborhood

Key Allegro

Key Allegro is a neighborhood that is all about the water located in Rockport, Texas. With Little Bay to its west, Aransas Bay to its east, and Rockport Beach to the south, these homes make up the perfect coastal community.

Image of Harbor Oaks Neighborhood

Harbor Oaks

Harbor Oaks offers beautiful homes near Canoe Lake in Rockport, Texas. Residents reside in a wonderful coastal community with easy access to many of Rockport’s hottest shops and eateries and a favorable commute into Fulton, Texas.

Local Home Resources in Rockport, TX

Fire Departments
Fire Dept Rockport Vlntr212 N Gagon St
Rockport, TX 78382
(361) 729-5392
Police Departments
County Sheriff Office301 N Liveoak St
Rockport, TX 78382
Rockport Police Dept714 E Concho St
Rockport, TX 78382