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

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Rockwall Home Insurance Made Simple with Instant, Precise Quotes!


How Much is Home Insurance in Rockwall, TX?

The average cost for home insurance in Rockwall, Texas is about $1,893 per year. At TGS Insurance, our Texas customers save an average of $870 a year when they switch to us for their home insurance needs! To see how much you could be saving, start with a free instant quote- all we need is your address


What Goes Into Your Rockwall, TX Home Insurance Quote?

What you pay for home insurance will be different than that of your neighbor because no two homes are the same- including the owners! Your home insurance premium is calculated on several different factors, some of which are within your control (coverage amounts) and others that are not (risk-based). Let’s review what goes into determining your home insurance policy premium. 


Your standard home insurance policy is made up of six key parts: 

  • Dwelling coverage refers to the structure of your home and offers financial coverage to completely rebuild your home to its current value, not what you purchased your home for. 
  • Other structures covers anything that is not “attached” to your home such as a detached garage, fence, or shed. 
  • Personal property coverage would protect any valuables such as appliances, clothing, electronics, furniture, etc., up to a certain limit. 
  • Loss-of-use coverage would provide financial assistance for any living expenses if you needed to vacate your home temporarily due to a loss such as a fire. 
  • Liability coverage covers you for any legal fees in the event someone incurs bodily injury or property damage and you, a member of your home, or pet are found at fault. 
  • Medical payments would cover you for any medical bills if someone gets injured on your property and requires medical assistance. Coverage usually goes up to $5,000 and does not apply to members of your household. 


Two in three homes are underinsured and without the right home insurance policy, you’ll be left with the bill should a loss or need for repairs occur. This is why every homeowner must look at the six core components of their policy to make sure you’ve got enough protection should you ever need it. Usually, you can raise or lower your coverage in these areas to adjust your home insurance premium. More coverage = bigger payment. 


Aside from coverage options, insurance carriers also look at risk-based factors when calculating your premium. Some of these are out of your control, but others you have some impact on. Let’s review some of the most common risk-based factors carriers look at: 


    • Your home’s location (Ex. area that is prone to hurricanes) 
    • Your area’s crime rates 
    • Age of your home (Older homes can cost more to insure) 
    • Your credit history
    • Your claims history (More claims filed = higher premium) 
    • Attractive nuisances (Ex. pool or trampoline)/li>


    While you can’t control everything, there are some things you can do that will help lower your home insurance rate. Taking the initiative to install things like a home security system, ensure you’ve got the right number of smoke alarms or fire extinguishers can all help with your rate. Be sure to talk to your insurance agent about what discounts are available to you because each carrier has its own discounts. 


    Most Popular Additional Home Coverages in Rockwall, TX:

    The standard home insurance policy will protect you with all the basics, but that’s about it. If you’re seeking additional coverage options to cover any gaps, you’ll want to look at policy add-ons to further customize your home insurance policy. Some of the most popular home insurance add-ons on Rockwall, TX are: 


    Water Backup Coverage: If your home were to experience water damage due to a backed-up sewer drain or broken sump pump, you wouldn’t be covered under your standard home insurance policy. This is why most homeowners add water backup coverage to their policy. This inexpensive add-on is about $50 per year with coverage starting at $5,000.


    Windstorm/ Hail Storm Coverage: Texans know all too well how devastating and costly wind and hailstorms can be to a home- hurricanes, tornadoes, tropical storms, and even heavy rainfall all pose a risk to Rockwall, TX homeowners. Having the proper wind and hail storm coverage is imperative to help you recover from any sort of damage or loss, which is why at TGS Insurance we automatically write in a 2% wind/hail deductible into every home insurance policy we write. 


    Scheduled Personal Property Coverage: Your basic home insurance policy will help pay for any of your personal possessions should they become damaged or stolen- to a limit. If you’ve got high-priced or irreplaceable valuables such as art, collections, jewelry, or other items you’ll want to consider scheduled personal property coverage. The cost can vary but is usually calculated at 1%-2% of the item’s value per year. 


    Zip Codes in Rockwall, Texas That We Insure:


    • 75032
    • 75807
    • 75189


    About TGS Insurance Agency


    TGS Insurance was started in Houston, TX, and built to serve the insurance needs of every resident in the Lonestar State. We aren’t your typical insurance agency because we do insurance differently than the others. We understand your time is valuable and that you don’t want to spend hours going back and forth with an insurance agent or answering endless questionnaires only to get your quote days later. We know you need a great home insurance policy at a great rate- and that’s what we deliver. 


    All we need is your address to generate a home insurance quote in just 15 seconds or less- yes seconds. From there, your dedicated TGS Insurance agent will shop and compare your policy across our bank of 35+ A-rated (or better) insurance carriers to ensure you’re getting the best coverage at the lowest price available. We don’t just stop at a quote either, we’ll handle everything from enrollment to delivering your final policy for a seamless, stress-free shopping experience. Getting insured in Rockwall, TX has never been easier! 

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

Rockwall neighborhood

Rockwall, Texas is located in Rockwall County just 25 miles northeast of Dallas, and is nestled along the shores of Lake Ray Hubbard. This picturesque place boasts a small-town, family-friendly vibe despite being so close to one of the state's largest cities. There's no shortage of things for folks to do here, from the shopping, world-class restaurants, historic buildings, local shops, and recreational activities on the lake- it's no wonder why so many Texans call Rockwall, TX home! TGS Insurance is proud to be one of the leading home, auto, and boat insurance providers to Rockwall, Texas residents.

Rockwall neighborhood

Rockwall, TX homeowners all want a home insurance policy packed with coverage at a rate that doesn't break the bank. At TGS Insurance, we shop your homeowners insurance with over 35+ insurance carriers to find Rockwall, TX homeowners a policy that is balanced in both value and coverage. As a Texas-owned agency with thousands of clients across the state, exceptional customer service, and extensive industry knowledge- we win business from Rockwall, TX residents every day!

Key Home Statistics in Rockwall


Total Population in Rockwall, TX


Average Home Value in Rockwall, TX


Median Household Income in Rockwall, TX


Median Age in Rockwall, TX

Trust TGS Insurance in Rockwall

Data as of June 13, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Major Neighborhoods in Rockwall, TX

Image of Estates of Coast Royale Neighborhood

Estates of Coast Royale

The Estates of Coast Royale is located right on Lake Ray Hubbard off of Ridge Road. Residents of this neighborhood enjoy a peaceful, lakeside lifestyle and are minutes from I-30 making the commute to shopping, restaurants, and other hot spots super quick!

Image of Highland Meadows  Neighborhood

Highland Meadows

Highland Meadows rests just east of Lake Ray Hubbard off of I-30. This friendly community is a quiet place to call home with quick access to stores and restaurants, and residents of Highland Meadows are proud of their neighborly reputation.

Image of Wellington Manor Neighborhood

Wellington Manor

Wellington Manor is a new beautiful, spacious community with an endless list of activities for homeowners to enjoy. The neighborhood is surrounded by lush, green trees and is a short distance from local eats, shopping, and entertainment- including the historic Rockwall Main Street, Lake Ray Hubbard, Harry Meyers Park, and various golf clubs.

Image of The Preserve at Rockwall  Neighborhood

The Preserve at Rockwall

The Preserve at Rockwall is a gorgeous neighborhood nestled along N. Lakeshore Drive on Lake Ray Hubbard. This lakeside community features a park, playground and is close to some of Rockwall's most popular dining and shopping destinations, as well as recreational activities on the nearby lake.

Image of Breezy Hill  Neighborhood

Breezy Hill

Located just off of Solaro Lane, Breezy Hill offers its residents the perfect balance of city-life with peaceful country living. The neighborhood has a community pool and walking trails and is within a short drive of popular shopping and dining spots.

Image of Lakeview Summit Neighborhood

Lakeview Summit

Lakeview Summit is a quiet, established neighborhood that boasts many perks for residents to enjoy including a community pool, playground, lush greenery-filled walking trails, and charming landscaping.

Local Home Resources in Rockwall, TX

Police Departments
Rockwall Police Admin205 W Rusk St
Rockwall, TX 75087