Save On Home Insurance in San Leon, TX | TGS Insurance Agency

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San Leon, TX

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Homeowners Insurance  »  Texas  »  

San Leon

San Leon Homeowners Insurance Made Effortless with Quick, Accurate Quotes!


How Much Does Home Insurance Cost in San Leon,TX?


The average cost for homeowners insurance in San Leon, TX is about $1,180 each year. Make the switch today to see how our Texas customers save an average of $870 annually on homeowners insurance.


How to Calculate Home Insurance Premiums


Each insurance carrier has a different formula that they use to determine your home insurance premium but what they all essentially boil down to is risk. How much risk is the insurance carrier taking on by insuring your home? Since St. Leon, TX is located along the Gulf of Mexico, homeowners can expect a higher premium than those residents that are more inland, because the risk of hurricanes and tropical storms is greater. However, that doesn’t stop TGS Insurance from providing a great policy with great savings! 


Even though each carrier has their own formula, there are a few standard factors every insurer will look at. Let’s review the most common things insurers look at when calculating your premium. 


  • Type of construction- What materials your home is made up of effects the price of your premium. Houses that are made out of brick tend to cost less to insure than homes made out of wood.
  • Age of your home- Your home’s age has a lot to do with your premium. Older homes tend to have outdated plumbing, heating, wiring, and roofing and sometimes insurance providers may charge a bit more since it’s more expensive to replace or repair should you file a claim. Be sure to let your insurance agent know if you’ve done any upgrades that could qualify you for discounts. If you have a newer home, you may see a lower premium and may even have a few discounts available to you. 
  • Amount of coverage- How much coverage you are seeking affects your insurance rate. Typically, the more coverage you want, the more you end up paying on your premium. But at TGS Insurance we will find you the lowest price on premiums without compromising on coverage.
  • Deductible Amount- If you opt in to pay a higher deductible your premium tends to be lower.


Homeowners aren’t left with a big premium and no way to lower it, there are several ways you can easily lower your rate! Installing things like a security system or surveillance cameras can help lower your rate as much as 20%. Having good credit is another great way to better your rate too. Be sure to talk to your insurance agent about what discounts are available to you. 

We Are Dedicated to Finding the Right Insurance Coverage for Each and Every San Leon Homeowner


The world of homeowners insurance can be complicated and hard to understand at times. Understanding the industry terms and your specific policy is important, so we have included a video that explains homeowners insurance and the different coverage options.


Popular Supplemental Home Coverages in Your Area:


Flood Insurance: Purchasing flood insurance is something San Leon, TX homeowners should really consider because flood damage is not covered by homeowners insurance. Living so close to the coastline can bring on unpredictable weather that could bring devastating floods. Flood insurance covers damage to your home and personal property caused by rising waters from storm-related disasters like hurricanes, tropical storms, or a lot of rainfall. The average price for flood insurance in Texas is $634 but can vary depending on where you live.


Windstorm and Hail Coverage: Homeowners in San Leon, TX are no strangers to major wind or hail storms. Hail damage is typically included in the standard homeowners insurance policy, but windstorm protection is sometimes bought as a separate add-on policy. At TGS Insurance, we believe in offering you the lowest price without having to compromise on coverage, so that is why we include a 2% hail/windstorm deductible into every policy we write.


Water Backup: Water backup coverage is a great policy-add on that is there to protect your home and the items you value most from a sewer backup, backed-up drain, or sump pump accident. If the damages lead to mold damage, then water backup coverage will cover the damages as well. The average cost for water backup is about $50-$250 per year, depending on how much coverage you want.


Common Home Insurance Questions from Our Customers in San Leon


Does homeowners insurance cover water damage from the rain?

Your homeowners insurance policy will usually protect your home from rain if it enters your home due to a covered peril. For example, if a windstorm shatters a window in your home and causes rainwater to get into your home, then you are covered but it won’t cover water damage as a result of flooding.

Will homeowners insurance pay for a new roof?

Your homeowners insurance policy only covers the costs to repair your roof if the damage was accidental or an act of nature. It won’t cover your roof repairs if it is because of normal wear and tear.

Do you pay home insurance monthly or yearly?

Most insurance providers will let you choose to pay your premiums annually or monthly. There are some discounts available for those to do pay annually! 


Our Featured Agents Are Ready to Help You With Your San Leon Homeowners Insurance:


TGS Insurance is your team of industry leaders who are here to assist you with all of your insurance needs. We work with over 35+ A-rated carriers to compare and shop your policy so you get a winning deal without skimping on coverage every time. We don’t stop at just providing you with a great quote either, we’ll handle everything from to start to finish for an easy, stress-free process.

Home Insurance Carriers in San Leon, 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 San Leon's Premier Home Insurance Provider

San Leon neighborhood

San Leon is located in Galveston County and is home to about 5,000 residents. The city is on a peninsula that is encircled by the Galveston, Trinity and Dickinson bays. The seaside community is known for its shrimp and oysters and is home to many famous Texas coastal activities such as Kemah Boardwalk. TGS Insurance is one of the leading insurance providers for San Leon residents.

San Leon neighborhood

TGS Insurance works with top-rated carriers and only offers the best home insurance policy at a great rate to San Leon residents. As an independent agency with thousands of customers, 35+ carriers and exceptional customer service- we win business from San Leon residents every day.

Key Home Statistics in San Leon


Total Population in San Leon, TX


Average Home Value in San Leon, TX


Median Household Income in San Leon, TX


Median Age in San Leon, TX

Trust TGS Insurance in San Leon

Data as of May 28, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Major Neighborhoods in San Leon, TX

Image of Downtown San Leon Neighborhood

Downtown San Leon

Downtown San Leon is nestled on the coast of Galveston Bay. Residents in this neighborhood are close to Eagle Point Fishing Camp, La Salle Park and various bars and grills.

Image of Little Riviera Neighborhood

Little Riviera

Little Riviera is located on the coast of Dickinson Bayou. Individuals who live near the coast have access to do water activities like fishing and crabbing.

Image of Mariners Cove Neighborhood

Mariners Cove

Mariners Cove is nestled around a cove that is on the coast of Trinity Bay. Residents in this neighborhood are close to La Salle Park as well as a variety of local restaurants and shops.