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The Cost of Waco, TX Home Insurance

Homeowners insurance is unique and tailored to you and your home’s characteristics. Your coverage and premium are likely to be different from anyone else’s because it’s specific to you and your needs. That being said, let’s look at average annual home insurance premiums found throughout the country and the state:

  • National average1: $2,305
  • Texas average1: $3,429
  • Waco, TX average: $2,427

The average TGS Insurance customer in Waco, TX pays $1,228 per year for homeowners insurance. That’s an annual savings of $1,199 under the city average! 

Your home insurance rates may differ from the averages listed above, however, you can use these stats as a benchmark of what to expect to pay for your home insurance in your area and even better understand the factors that you can change. Each insurance carrier will look at specific criteria when determining your insurance premium. Many elements are outside of your control, but you can improve others which will help lower your home insurance premium. These carrier rating factors include:

  • Weather (including extreme weather events such as tornadoes, hail, or hurricanes)
  • The crime rates in your area
  • The frequency of your claims
  • The coverages you select 
  • Your credit score (the higher your score, the lower your premium)
  • The year, construction type, and size of your home
  • The age and condition of your roof
  • If you qualify for any discounts

An independent agent with TGS Insurance can help narrow down your home coverage search by running quotes with 35+ top-rated carriers at once. This allows our agents to find you the best price for your insurance without cutting your coverage and eliminating all the hassle.

Who Needs Homeowners Insurance?

All homeowners need home insurance. Many lenders will not grant homeowners a mortgage without at least a basic form of homeowners insurance coverage, and to stay protected according to your needs, homeowners need to receive more than just cookie-cutter coverage, but rather protect themselves with a personalized home insurance policy.

At TGS Insurance Agency we help you find the home insurance policy that transcends the standard level of protection and gives you the personalized coverage that you need. With a few simple questions and a seamless enrollment process, our agents get to know you and your home to provide you with specific coverage built for you.

How to Get the Best Homeowners Insurance in Waco, TX

TGS Insurance makes getting the best homeowners insurance in Waco, TX simple by using our proprietary online quoting tool for a free, no-obligation quote!  All you have to do is enter your address, and receive your quote instantly.  After receiving your accurate, personalized quote, an agent will work with you to answer a few questions about your home and further personalize your coverage tailored to your needs. You’ll receive the best coverage to match your needs at the best price available on the market.

Common Home Insurance Questions from Our Customers in Waco, TX


Does homeowners insurance cover water damage from rain?


While rain damage that is caused by a sudden and accidental weather event listed on your policy will be covered, other forms of water damage will not. Normal wear and tear of your roof which was to cause water damage from the rain would not be covered. Furthermore, flood insurance will be necessary to cover flood events as your homeowners insurance will not cover floods.


Do you need home insurance if your house is paid off?


Home Insurance is always recommended for homes even if they are paid for. Your homeowners insurance will protect your home and personal possessions from the named perils in your policy such as damage from a fire or a theft. Your home is vulnerable to these events with or without insurance and without a policy, you’ll be forced to restore things out of your own pocket. All homes should remain properly insured to protect homeowners from financial hardships.


Are homeowners insurance rates going up?


Yes, we have seen an uptick in homeowners insurance rates over recent years. A large reason for these increases is due to the increase in extreme weather events including the hurricanes that have harmed the Gulf Coast and numerous wildfires that have damaged states across the west. These increases seem as if they are on course to continue and it is important for homeowners to find an affordable rate today as opposed to waiting when rates are likely to be higher.


Zip Codes in Waco, TX That We Insure:



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 Waco, TX

Allstate Logo
Progressive Logo
Safeco Logo
Travelers Logo
AIG Logo
Metlife Logo
Allied Trust Logo
Maison Logo
Lighthouse Logo
Anchor Logo
 State Auto Logo
ASI Logo
The Hartford Logo
Foremost Logo
Empower Logo
National Lloyds's Logo
Liberty Specialty Logo

TGS Insurance is Waco's Premier Home Insurance Provider

Waco neighborhood

Waco, TX is nestled in the heartland of Texas and is home to the iconic Magnolia Market created by HGTV’s Chip and Joanna Gaines. The city is filled with a variety of family-friendly attractions such as Waco Mammoth National Monument, Texas Sports Hall of Fame, Cameron Park Zoo, and Hawaiian Falls Water Park. Waco, TX has something for everyone in the family to enjoy and it's easy to see why so many Texans call Waco home.

Waco neighborhood

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

Key Home Statistics in Waco


Total Population in Waco, TX


Average Home Value in Waco, TX


Median Household Income in Waco, TX


Median Age in Waco, TX

Trust TGS Insurance in Waco

Data as of January 18, 2021




Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Local Home Resources in Waco, TX

Fire Departments
Bellmead City - Fire Department3015 Bellmead Dr
Waco, TX 76705
(254) 799-1661
Bellmead Fire Dept Admin700 Kane St
Waco, TX 76705
(254) 799-9922
Chalk Bluff Vol Fire Dept136 Alex Gill Ln
Waco, TX 76705
(254) 867-0461
Chisolm Trail Fire ApparatusPo Box 87
Waco, TX 76703
(254) 867-8169
Fire House7915 Karl May Dr
Waco, TX 76708
(254) 754-2223
Speegleville Fire Dept139 N Speegleville Rd
Waco, TX 76712
(254) 848-4446
Waco Fire Dept1016 Columbus Ave
Waco, TX 76701

Waco Fire Dept315 N New Rd
Waco, TX 76710

Waco Fire Dept2625 Park Lake Dr
Waco, TX 76708

Waco Fire Dept7600 Imperial Dr
Waco, TX 76712

Waco Fire Dept1523 Herring Ave
Waco, TX 76708

Waco Fire Dept1002 Speight Ave
Waco, TX 76706

Waco Fire Dept3300 Flat Rock Rd
Waco, TX 76708

Waco Fire Dept5401 Speegleville Rd
Waco, TX 76712

Waco Fire Dept4720 Cobbs Dr
Waco, TX 76710

Police Departments
WACO, TX 76799
Mc Lennan County Sheriff's3201 Marlin Hwy
Waco, TX 76799
Sheriff's Dept219 N 6th St # 100
Waco, TX 76799
Sheriff's Office901 Washington Ave
Waco, TX 76701
Waco Isd Safety/Police Dept805 S 8th St
Waco, TX 76799
Waco Isd Safety/police Dept805 S 8th St
Waco, TX 76706
Waco Police Dept
WACO, TX 76701
Waco Police Drug Enforcement1211 Washington Ave
Waco, TX 76799
Waco Police Drug Enforcement1211 Washington Ave
Waco, TX 76701
WACO, TX 76799
Waco Police Patrol Div721 N 4th St
Waco, TX 76701
WACO Police Patrol Divi...721 N 4th St
Waco, TX 76701-1413
Waco Police Personnel721 N 4th St
Waco, TX 76701
Waco Police Records721 N 4th St
Waco, TX 76799