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

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Victoria, TX

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Homeowners Insurance  »  Texas  »  


We Shop 35+ Carrier to Find You The Best Deal on Your Victoria Home Insurance Every Time


The Cost of Victoria, TX Home Insurance

Homeowners insurance is customized for you and your home’s needs. Every homeowner will have a different rate because they each have their own requirements in a home insurance policy. Let’s take a closer look at the average annual home insurance premiums in Victoria, TX compared to the national and state averages.

  • National average1: $2,305
  • Texas average1: $3,429
  • Victoria, TX average: $1,179

Your home premium rates may be different from the national and Texas averages, but it’s beneficial to compare your premium to see if you need to make any adjustments. Every insurance provider looks at how much risk they’ll take on, which primarily determines your premium. Some factors are out of your control, while some can offer major savings. Here are some determining factors that carriers look for:

  • Your home’s location
  • Crime statistics in your area
  • Your claims history
  • How much coverage you want
  • How high or low your credit score is
  • The age, construction type, and square footage of your home
  • Discount qualifications

One of our TGS Insurance agents will help you simplify the coverage you need by running quotes from over 35+ highly-rated insurance providers. This will ensure that you’re receiving the best rate and protection without all the stress.

Common Additional Home Coverages in Victoria, TX

Flood Insurance: Victoria, TX homeowners are far too familiar with the destruction that flooding can cause. It’s critical for homeowners in the area to purchase flood insurance because a lot of the area is deemed “high-risk” by FEMA. Flood coverage will protect your home and personal items from any flood-related damage caused by tropical storms, hurricanes, or heavy rainfall. The average cost for flood insurance in Texas is about $634 per year but can vary depending on your home’s location. At TGS Insurance, our average customer pays $528 on their flood insurance policy!


Hail/Windstorm Insurance: Did you know that wind and hail damage are two of the most filed claims in Texas? Since Victoria, TX is so close to the coastline, it’s incredibly important that homeowners in this area have the proper windstorm and hail protection so you’re not left with a hefty bill because you’re underinsured. At TGS Insurance, we automatically include a 2% hail/wind deductible for all of our policies! Wind and hail insurance protects your home and personal belongings from hail and wind damage caused by hurricanes, tornadoes, and other severe weather events.


Umbrella Insurance: This type of insurance is extra protection that offers financial coverage beyond your current policy’s limits. Umbrella insurance provides coverage for a variety of claims such as injuries, property damage, lawsuits, and personal liability situations. Purchasing this type of policy acts as an extra safety net to protect your financial assets should one of your policies exceed it’s liability limits.


Common Home Insurance Questions from Our Customers in Victoria


What is an insurance quote?


An insurance quote is an estimate of how much it would cost to insure your home. A quote is not an insurance offer or the official insurance contract. At TGS Insurance, our quote process is simple and easy, all you have to do is input your address and your phone number or email address.


Can you get homeowners insurance with bad credit?


You can still get homeowners insurance with bad credit, however, you’ll likely have to pay a higher premium than someone with a better score. 


How long does it take to get a home insurance quote?


Depending on which insurance carrier you’re requesting a quote from, the quoting process can take a few minutes or even a few days. But at TGS Insurance, we offer you an instant quote in 15 seconds or less!


Zip Codes in Victoria, TX That We Insure:

  • 77901
  • 77902
  • 77903
  • 77904

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 Victoria, 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 Victoria's Premier Home Insurance Provider

Victoria neighborhood

Victoria, TX is located southwest of Houston and is nestled near the Gulf of Mexico. The city is also known as “The Crossroads” because its location is two hours away from Corpus Christi, Houston, San Antonio, and Austin. Victoria, TX has a wide range of attractions that everyone can enjoy, such as the Texas Zoo, a variety of museums, and more!

Victoria neighborhood

Residents of Victoria, TX all want an exceptional homeowners policy that meets their needs and saves them money. At TGS Insurance, we shop your policy with 35+ carriers to find Victoria, TX residents the best policy at a great rate! As a Texas owned agency with thousands of customers, great customer service, and extensive industry knowledge- we win business from Victoria, TX homeowners every day!

Key Home Statistics in Victoria


Total Population in Victoria, TX


Average Home Value in Victoria, TX


Median Household Income in Victoria, TX


Median Age in Victoria, TX

Trust TGS Insurance in Victoria

Data as of June 13, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Major Neighborhoods in Victoria, TX

Image of Salem Crossing Neighborhood

Salem Crossing

Salem Crossing is located in Victoria, Texas on the north side of the city. This newer, family-friendly community provides a great suburban area for its residents with nearby shops and restaurants never too far away.

Image of Terravista Neighborhood


Terravista is a neighborhood in north Victoria, Texas filled with beautiful, modern homes perfect for families. The Victoria Mall is nearby as are its surrounding shops and restaurants.

Image of Primrose Neighborhood


Primrose is a great suburban neighborhood found in north Victoria, Texas. Residents can enjoy their privacy but are close to bars, restaurants, local businesses, entertainment, and more.

Image of Spring Ridge Neighborhood

Spring Ridge

Spring Ridge provides large homes with bigger lots in the countryside of Victoria, Texas. This beautiful subdivision is away from the hustle and bustle of downtown but only a short car ride away from malls, shops, eateries, and more.

Image of The Hamlet Neighborhood

The Hamlet

The Hamlet is an eclectic neighborhood in northeast Victoria, Texas. An established suburban community, this quiet home to many residents is near Lone Tree Creek Park and many restaurants and shops close by.

Image of Capstone Estates Neighborhood

Capstone Estates

Capstone Estates provides residents with beautiful, large homes and lots that match. This is a wonderful community on the north end of Victoria, Texas, for any homeowner looking to enjoy the countryside of south Texas.

Local Home Resources in Victoria, TX

Fire Departments
Victoria Fire Dept606 E Goodwin Ave
Victoria, TX 77901
(361) 485-3450
Victoria Fire Dept1703 E Airline Rd
Victoria, TX 77901
(361) 485-3460
Police Departments
Highway Patrol8802 N Navarro St
Victoria, TX 77905
Victoria City Police DeptPo Box 2086
Victoria, TX 77902
Victoria City Police Dept306 S Bridge St
Victoria, TX 77901
Victoria Police DeptPO Box 2086
Victoria, TX 77905
Victoria Police Dept306 S Bridge St
Victoria, TX 77905