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How Much is Home Insurance in San Benito, TX?


Homeowners in San Benito, TX pay $2,441 on average for their home insurance every year. This is lower than the Texan average of $3,429. TGS Insurance understands that great coverage doesn’t have to be expensive. At TGS Insurance, our average client living in San Benito, TX pays only $1,944 a year for their homeowners insurance policy for an annual savings of $497 per year!


What Will Standard San Benito, TX Homeowners Insurance Cover?


It’s important for homeowners to understand their home insurance policy and how it protects them, their home, and their valuables. Your home insurance policy will protect against named perils stated in your policy should they cause you a loss. If you do experience a loss, your policy will reimburse you to restore the damage according to your policy’s limits. Homeowners insurance protects against a lot, however, it isn’t a blanket coverage that will cover anything and everything. If the peril is not explicitly named on your policy, it will not be covered. A common misconception is that floods are covered by homeowners insurance when in fact, floods are not covered by a standard HO3 homeowners insurance policy. Learn about the most common homeowners insurance coverages that do protect your home below:


Coverage A – Dwelling

Dwelling coverage is protection for your home and the structures connected to your home against perils that cause damage including your home’s plumbing, wiring, heating, and air conditioning units that are permanent.


Coverage B – Other Structures

Detached garages, fences, guest homes, and sheds all need protection and Other Structures coverage picks up where Dwelling leaves off to protect these structures against named perils the same as your home.


Coverage C – Personal Property

Personal Property coverage protects your possessions from being damaged, lost, or stolen. You’ll receive a reimbursement should you experience a loss with protection covering a range of items such as your clothes, electronics, furniture, instruments, collectibles, and more. Your protection follows your possessions regardless of if they are on your property or not such as items in a storage unit. Policy limits do exist and valuables that surpass these limits may require additional protection to avoid a coverage gap.


Coverage D – Loss of Use

If your home suffers damage and becomes unlivable, Loss of Use coverage helps you cover living expenses such as lodging and food while you are displaced from your home.


Coverage E – Personal Liability

Personal Liability protects you from liability in the event someone is injured while visiting your property or were to suffer a loss from damages that are your fault.


Coverage F – Medical Payments to Others

Medical Payments to Others covers medical expenses if someone is injured on your property instead of forcing you to pay out-of-pocket up to $5,000. 


Common Home Insurance Endorsements in San Benito, TX


Flood Coverage:

Floods can affect anyone with as many as 25% of all flood insurance claims coming from homes outside of flood zones. Your homeowners insurance does not protect against flooding and relying on the government can be a huge mistake as many stipulations must pass before flood relief is even provided, not to mention the process is tedious. Protecting your home with a flood insurance policy can help you rebuild in the aftermath of a flood event instead of relying on paying out-of-pocket to restore your loss. The average flood insurance policy in Texas is $634 per year, but TGS Insurance customers pay just $528 per year. 


Windstorm/Hail Coverage:

Homeowners in San Benito, TX know all too well how destructive wind events can be. Your home must contend with severe thunderstorms, tropical storms, hurricanes, tornadoes, and hail and needs protection while it continues to protect you. Windstorm and hail coverage is there to help you restore the losses brought on during these weather-related perils and TGS Insurance can automatically write in windstorm protection for your homeowners insurance policy with a 2% deductible so that you are ready for anything that comes your way!


Equipment Breakdown Coverage:

From power surges to motors burning out and other mechanical or electrical failures, there are plenty of things that can go wrong when it comes to our equipment such as a computer. Equipment Breakdown coverage is there to help you restore important equipment that has suffered from a peril.


We’re Your “One-Stop-Shop” for Insurance – Bundle Our Services and Save! 


Bundling your insurance policies allows homeowners to take advantage of great discounts which allows you to protect more while paying less. A popular bundle for many of our clients is bundling home insurance with an auto insurance policy. Could you use additional liability protection found in an umbrella policy? Maybe you own watercraft that could use a boat policy. No matter what your needs are, TGS Insurance has you covered! We’re here to find the right coverage for your needs all while saving you money!


Zip Codes in San Benito, TX That We Insure:


  • 78586


Don’t see your zip code listed? No worries! As long your home is in Texas, we’ve got you covered!

Home Insurance Carriers in San Benito, TX

Allied Trust logo
Allstate logo
ARI logo
Berkshire Hathaway GUARD logo
Branch logo
Commonwealth logo
Encompass logo
Ethos logo
Foremost logo
Gainsco logo
Hallmark logo
Hippo logo
Homeowners of America logo
IAT Flood logo
Infinity a Kemper Company logo
Kemper Auto logo
Lighthouse logo
Mercury logo
MetLife logo
Mission Select logo
Nationwide logo
Neptune Flood logo
Progressive logo
Safeco logo
SageSure logo
State Auto logo
Swyfft logo
Travelers logo
UPC logo
USLI logo
Velocity logo
Wellington logo
Weston logo

TGS Insurance is San Benito's Premier Home Insurance Provider

San Benito neighborhood

San Benito, Texas is located just south of Harlingen in the Rio Grande Valley near the Gulf of Mexico in Cameron County. Dubbed as the "Resaca City" because of the idyllic 80-foot wide river-like waterway that goes through the city and serves the community as residents' central water source! It's easy to see why so many Texans call San Benito, Texas home because of its close proximity to the Texas beaches, and small-town charm, and atmosphere. TGS Insurance is proud to serve the San Benito, Texas community as one of the top insurance providers in the area!

San Benito neighborhood

At TGS Insurance, we deliver the best home insurance policies on the market to San Benito, Texas homeowners by shopping each policy through our bank of 35+ A-rated (or better) insurance carriers. This allows us to find insurance that's perfectly balanced in the coverage you need at the best rate possible. We win business from San Benito, Texas residents every day through our extensive industry knowledge, exceptional customer service, and of course- great home insurance policies!

Key Home Statistics in San Benito


Total Population in San Benito, TX


Average Home Value in San Benito, TX


Median Household Income in San Benito, TX


Median Age in San Benito, TX

Trust TGS Insurance in San Benito

Data as of August 11, 2022



$7.0 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured