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

Save on Home Insurance in
Saginaw, TX

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


How Much is Home Insurance in Saginaw?

The average cost of home insurance in Saginaw is $1,693 per year among TGS Insurance Agency customers. This average includes windstorm and hail coverage with a 2% deductible. Our agents understand that every homeowner’s needs are different and that’s why we work with each customer to create the policy for their needs. With this mindset, we have been able to save our Texas customers an average of $870 per year on their home insurance without compromising on coverage. To find out how much you could be saving, enter your address for an instant free quote. 

Comparing Saginaw Home Insurance Quotes by Home Value

Home value is one of many factors that influences your home insurance rate. Below is a comparison of the average home insurance quote from TGS Insurance Agency in Saginaw by home value. Please note that in the table below, home values are rounded to the nearest $25,000 so $100,000 includes homes in the $75,000 to $125,000 range and so on.

Home ValueAverage Annual Premium (incl. Wind Coverage)

How is Homeowners Insurance in Saginaw, Texas Calculated? 

Your home insurance premium is crafted based on the amount of risk your insurance provider will undertake while insuring your home. The more risk there is to insure your home, the higher your premium will be. Each carrier has their own way of calculating that risk level but for some of the common factors they consider include:  


Property-Specific Factors: 

  • Home size (Square footage)
  • Your home’s age (Older homes require higher premiums) 
  • Construction type 
  • Roof condition/age 
  • Property add-ons (swimming pools, trampolines, etc.) 


Location-Specific Factors: 

  • Weather-related risks (Is your area prone to tornadoes, hail, hurricanes, etc.?) 
  • The crime rate around your home
  • Your home’s proximity to fire stations and/or hydrants 


There are many other factors carriers take into consideration and each provider will weigh these factors differently. This means your policy’s rate will vary depending on which carriers you shop. Some of the other factors that will affect your home insurance premium are the amount of coverage you decide upon, your claims history, your credit score, if you have a specific breed of dog, etc. This is why homeowners need to shop their home insurance policy among multiple carriers because you could end up missing out on better coverage or the best deal if you fail to shop more than one carrier! 


What Does My Saginaw Home Insurance Policy?

A basic homeowners insurance policy (HO-3) will protect you against the following: 

  • The physical structure of your home 
  • Your personal property (Ex. appliances, clothing, jewelry, technology, etc.) 
  • Replacement costs 
  • Living expenses if you cannot live in your home
  • Liability coverage for legal and medical expenses


Your home insurance policy is there to cover you and your home in a variety of exciting ways, however, there is a set limit that comes with your policy. This means if you need additional coverage in different areas which exceed those limits, you’ll need to purchase supplemental insurance, or add-on policies for your homeowners insurance policy. These coverages will allow you to bridge any gaps you might otherwise be exposed to. Some of the most common policy add-ons in Saginaw, Texas include: 

  • Scheduled personal property 
  • Valuable Articles/Floater policies (Ex. jewelry insurance for more valuable pieces) 
  • Umbrella insurance (additional liability coverage) 
  • Animal liability
  • Flood insurance (Flood damage is NOT covered under home insurance and requires a separate policy) 
  • Water backup coverage


Advantages to Partnering with TGS Insurance Agency for Your Home Insurance in Saginaw

Your home insurance policy is there to protect you, your home, and everything in it against the many perils you may face. Trust the experts at TGS Insurance to help you protect what matters most to you with the right coverage, all at the lowest rate available. We believe quality coverage doesn’t have to break the bank and help our clients stay protected while saving. 


TGS Insurance will not only shop your rate through our bank of 35+ A-rated carriers (Top names like Allstate, Lighthouse, and State Auto to name a few) for the best coverage and the best price, we’ll handle everything else. Our agency is there for you for the entire process from start to finish including enrollment, setting up your payment, canceling any existing home insurance policies, and we’ll even work with your mortgage company. As your one-stop-shop for all things insurance, we do it all!


And because insurance isn’t a “buy once and done” type of purchase, when it’s your time to renew your policy, we’ll evaluate your coverage and your rate while re-shopping all over again to make sure you continue to receive the best deal available year after year. Getting the right home insurance and staying insured for less has never been easier than with TGS Insurance. 


See what other Texans have to say about TGS Insurance! We’re rated 4.8 out of 5 stars on TrustPilot and 4.5 out of 5 on Google.


Zip Codes in Saginaw, Texas That We Insure: 

  • 76106
  • 76131
  • 76179

Don’t see your zip listed? Not a problem. As long as it’s in Texas, we’ve got you covered with great home insurance! 

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

Saginaw neighborhood

Saginaw, Texas is a city in Tarrant County located north of Fort Worth near Lake Worth and Eagle Mountain Lake. This city is thriving in every sense of the word and has grown by almost 20,000 residents in 30 years! Saginaw, Texas is the perfect place for its residents to work, play, and live and has a community of strong traditional family values. Though the city has seen tremendous growth over the past few decades, it still boasts the welcoming, small-town charm so many love while still being close to the DFW urban amenities. TGS Insurance is proud to serve the Saginaw, Texas community as one of the leading home insurance providers for the area!

Saginaw neighborhood

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

Key Home Statistics in Saginaw


Total Population in Saginaw, TX


Average Home Value in Saginaw, TX


Median Household Income in Saginaw, TX


Median Age in Saginaw, TX

Trust TGS Insurance in Saginaw

Data as of April 24, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Local Home Resources in Saginaw, TX

Fire Departments
Saginaw Fire Dept333 W McLeroy Blvd
Saginaw, TX 76179
(817) 232-2189
Police Departments