Save On Home Insurance in Tiki Island, TX | TGS Insurance Agency

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Tiki Island, TX

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Homeowners Insurance  »  Texas  »  

Tiki Island

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How Much Does Tiki Island, TX Homeowners Insurance Cost?

Homeowners insurance in Tiki Island, TX costs an average of $1,358 per year. At TGS Insurance, our average homeowner from Tiki Island pays $841 per year, which means they’re saving $517 per year on average!

What Additional Coverages Are Available to Homeowners in Tiki Island, TX?


Tiki Island residents know all too well the crazy weather the Texas coast is home to. And depending on where you live, you may want to consider additional insurance add-ons outside of your standard homeowners insurance policy to ensure you’re fully protected for anything. For example, your basic homeowners insurance policy will cover common perils such as fire, hail, theft, and vandalism, but flood damage is never covered and windstorm damage varies by carrier. By filling in gaps in coverage with add-on policies, you’re better protecting yourself from the unexpected. 


Tiki Island, TX is surrounded by water and homeowners have witnessed some devastating hurricanes, torrential tropical storms, and severe thunderstorms. All of these events can bring in heavy amounts of rain and storm surges that can lead to flooding. As stated above, flood insurance is not covered by your homeowners insurance policy, and to be protected against flood damage, you’ll need to purchase a flood policy. The average policy costs around $634 per year and can vary depending on your home’s location. The average flood claim is around $43,000, so a flood insurance policy is a small price to pay when compared to a flood claim. 


Water backup issues due to backed-up drains or sewer problems can leave you with a disgusting and expensive problem and without the right coverage add-on, the bill. At TGS Insurance, we can provide a water backup add-on to your homeowners insurance policy to help you restore damages starting at $5,000. The average cost for homeowners is anywhere between $50-$250 per year depending on your risk and coverage limits. 


Tiki Island residents know better than most the damage that wind and hail can wreak on your home. At TGS Insurance, we believe you should be protected for any event, which is why we automatically write a 2% wind/hail deductible on every homeowners insurance policy we write.

The Right Homeowners Insurance Coverage to Meet Your Needs


Understanding the basics of your homeowners insurance policy can be a bit confusing and we want to make it easy. Check out the short video below that breaks everything you need to know about homeowners insurance.

Common Home Insurance Questions from Our Customers in Tiki Island


Will homeowners insurance cover water damage?

Usually, homeowners insurance will cover water damage depending on what caused it. Water damage due to something accidental or sudden like a burst pipe is usually covered. However, if the water damage is the result of negligence or lack of maintenance, you’re on the hook. Water damage from a flood or sewer backup is also not covered by homeowners insurance.


Can you get homeowners insurance with bad credit?

Yes, you can still obtain homeowners insurance with bad credit but you should expect to pay a higher premium. Insurance companies use what’s called an insurance score to determine your rate and your credit score is a part of that. Because your credit is low, you’re deemed riskier therefore you’ll pay more as a result. Improving your credit can help with your insurance premium


Does it cost more to insure a rental property?

Yes, the average cost to insure a rental property through landlord insurance is about 20% higher than a homeowners insurance policy.

Our Local, Independent Agents Are Ready to Help You With Your Tiki Island, TX Homeowners Insurance:


At TGS Insurance, we pride ourselves on delivering an exceptional customer experience to all of our clients from start to finish. We deliver a stress-free approach to shopping for homeowners insurance by handling everything for you!

Zip Codes in Tiki Island, TX That We Insure:


  • 77554

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 Tiki Island, 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 Tiki Island's Premier Home Insurance Provider

Tiki Island neighborhood

The Village of Tiki Island was established in 1982 and is located north of the Intracoastal waterway within Galveston County. The community offers resort-style living and is home to about 1,000 residents. Tiki Island natives use TGS Insurance Agency as one of their top home insurance providers.

Tiki Island neighborhood

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

Key Home Statistics in Tiki Island


Total Population in Tiki Island, TX


Average Home Value in Tiki Island, TX


Median Household Income in Tiki Island, TX


Median Age in Tiki Island, TX

Trust TGS Insurance in Tiki Island

Data as of July 18, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured