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

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Sweeny, TX

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Sweeny Home Insurance Made Simple with Quick, Accurate Quotes


Shop Home Insurance in Sweeny, TX from Multiple Carriers in Minutes! 


If you’re a homeowner, the best way to save on homeowners insurance is to comparison shop your policy across various carriers to find the best rate. Only 17% of homeowners do this online with the main reason being is that it can be a tedious and time-consuming process. At TGS Insurance, we do all the hard work for you and make shopping for homeowners insurance easier than ever! We’ll compare your policy across 35+ A-rated carriers to find you a deal packed with value and coverage at a price that best fits your budget. 


How Much Does Sweeny Home Insurance Cost?


The average cost for home insurance in Sweeny, TX is about $1,169 a year. With TGS Insurance, our customers in Texas save an average of $870 every year on homeowners insurance compared to their previous policies!


Calculating Premiums for Home Insurance in Sweeny, TX


Insurance carriers all have a different formula that they use to calculate how much your homeowners insurance premium will be. However, it all comes down to how much risk the insurer is taking on by insuring your home. There are several common risk factors most carriers look at, let’s review what those are. 


Replacement Cost

Replacement cost is the amount of money it would take to rebuild your home exactly as it is. 60% of Americans are underinsured with their current home insurance policy and under-valuing your home or only getting enough insurance to cover your mortgage is a big part of that issue. 


 Age and Construction Of Your Home

Brick homes tend to have lower insurance costs, on average, and the use of fire-resistant materials is rewarded with even lower premiums. Newer homes also costs less to insure on average and sometimes even qualify for additional discounts.



If you live in an area that’s deemed “high-risk” because it’s either a high crime area or prone to natural disasters, you can expect to see a higher premium because homeowners in these locations are more likely to file a claim.


How Much is Flood Insurance in Sweeny?


The average cost for flood insurance in Sweeny, TX is about $492 every year. Our customers in Sweeny, TX pay about $389 per year, which means they’re saving $103 under the city average! 

Do I Really Need Flood Insurance in Sweeny, TX?


Sweeny, TX is located near the Gulf of Mexico and is considered a high-risk area for flooding due to the sheer number of hurricanes and tropical storms that batter the Texas coastline. During Hurricane Harvey, over 9,000 homes were damaged due to flooding, with a lot of residents blaming a nearby chemical plant for the catastrophic damage. 

1 in 4 claims come from homes living outside flood zones so even if you think your home is not at risk, anything could happen. It’s important to keep in mind that just one inch of water can result in $25,000 in damages, so when you think about it, is not having a flood insurance policy really worth the financial risk?

Other Common Supplemental Home Coverages for Customers Near Sweeny:

Windstorm and Hail Coverage: Two of the most common claims filed in Texas are damages from wind and hail. The average wind and hail claim is about $10,182 and without the right protection, you could be left with the bill. At TGS Insurance, we believe our customers should be prepared for anything which is why we automatically write in a 2% wind/hail deductible into every policy we write for Sweeny, TX homeowners! 

Water Backup: Water damage due to a sewer or drainage backup is a disgusting problem to contend with and without the right coverage, a hefty bill to boot. Homeowners can add a water backup policy to their homeowners insurance with coverages starting at $5,000 going up to $25,000. Depending on how much coverage you’d like, this add-on can be anywhere between $50-$250 per year.

Zip Codes in Sweeny, TX We Serve:

  • 77480

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

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

Sweeny neighborhood

Sweeny, Texas was established in 1945 and is located within Brazoria County. The small-town community, also known as Adamston to some, is a growing destination for Texas history buffs because of the Sweeny Cemetary, Sweeny Plantation and Thomas Jefferson Sweeny. TGS Insurance is one of the leading insurance providers to Sweeny residents.

Sweeny neighborhood

TGS Insurance provides home insurance in Sweeny from dozens of different carriers. Sweeny customers all want the same thing - the best home insurance policy at the lowest price. As an independent company with thousands of customers, 35+ carriers and amazing customer service, we win business from Sweeny residents every single day.

Key Home Statistics in Sweeny


Total Population in Sweeny, TX


Average Home Value in Sweeny, TX


Median Household Income in Sweeny, TX


Median Age in Sweeny, TX

Trust TGS Insurance in Sweeny

Data as of April 24, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Local Home Resources in Sweeny, TX

Police Departments
Sweeny Police Dept123 S Oak St
Sweeny, TX 77480
Sweeny Police Dept111 W 3rd St
Sweeny, TX 77480