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

Save on Home Insurance in
Waxahachie, TX

We ONLY need your address

Quote looks like this
An Example Quote

See What Our Clients Have to Say


trust star

Based on 2,615 reviews

Showing our 4 & 5 star reviews
Homeowners Insurance  »  Texas  »  


Comparison Shop Your Home Insurance Policy in Waxahachie, Texas from 35+ A-rated Carriers in Seconds! 

TGS Insurance is an independent, Texas-owned agency that works for YOU and not the insurance carriers! We’re one of the fastest-growing agencies in the state because we view insurance differently than other agencies. We don’t believe our customers should ever have to sacrifice the coverage they need, just to get an affordable rate. We also don’t believe buying insurance should be a long, drawn-out experience. Using just your address, we can comparison shop every customer’s policy through our bank of 35+ A-rated (or better) carriers to find the best policy on the market that’s perfectly balanced in protection and value. No gimmicks. No BS. Just great home insurance at an even better rate! 


How Much is Home Insurance in Waxahachie, Texas? 

The average cost of home insurance in Waxahachie is $933 among TGS Insurance Agency customers. This average includes windstorm and hail coverage with a 2% deductible and is based on policies with an average home value of $222,365. While every policy is different and dependent on multiple factors, including your home’s value and the type of coverage you get, we have proudly been able to save our Texas customers an average of $870 per year on their home insurance premiums when they switch to us. Finding out how much you could be saving is as easy as providing your address above for an instant free quote. 

Comparing Waxahachie Home Insurance Quotes by Home Value

Home value is one of many factors that impacts your home insurance rate. Below is a comparison of the average home insurance quote from TGS Insurance Agency in Waxahachie, by home value. In the table below, home values are rounded to the nearest $25,000 meaning that $100,000 includes home values from $75,000 to $125,000 and so on.

Home ValueAverage Annual Premium (incl. Wind Coverage)

How is Home Insurance in Waxahachie, Texas Calculated? 

How much you pay for homeowners insurance is calculated based on how much risk the insurance carrier is taking on to insure your home. The higher the risk, the higher the premium, and vice versa. Let’s review some of the most common risk-based factors that insurance carriers look at when determining your policy premium: 


Property-Specific Factors: 

  • Home size
  • Age of your home (Homes older than 40+ years have higher premiums) 
  • Construction type 
  • Roof condition/age 
  • Property add-ons (Swimming pools, trampolines, etc.) 


Location-Specific Factors: 

  • Weather-related risks (Are hailstorms, hurricanes, or even tornadoes common in your area?) 
  • Crime risks (Higher crime = higher premium) 
  • Proximity to fire stations and/or hydrants 


Other factors that may go into calculating your premium are your claims history, credit score, how much coverage you need, and even what breed your dog is. Each carrier weighs these risks differently, which is why it’s important to always shop your home insurance policy through five to ten carriers to find the best policy for your needs. 


What Does My Home Insurance Policy in Waxahachie, Texas Cover? 

Your basic HO-3 homeowners insurance policy will protect the following: 

  • The physical structure of your home 
  • Additional structures on your property such as a detached garage or shed
  • Your personal property (Ex. appliances, clothing, jewelry, technology, etc.) 
  • Living expenses (Loss-of-use coverage) 
  • Liability 


It is important to keep in mind that all of the coverages on your policy have a limit. So for example, if you’ve got a valuable art or jewelry collection that is worth more than the limits of your home insurance policy, you’ll want to look at supplemental or policy add-ons to bridge any gaps in coverage you may have. Popular policy add-ons in Waxahachie, Texas include: 

  • Scheduled personal property 
  • Valuable Articles/Floater policies (Ex. jewelry insurance) 
  • Umbrella insurance (Additional liability coverage) 
  • Animal liability
  • Flood insurance (Because flood damage is not covered by homeowners insurance) 
  • Water backup coverage 


Zip Codes in Waxahachie, Texas That We Insure: 

  • 75165
  • 75167
  • 75168
  • 76065

Don’t see your zip listed? As long as it’s in Texas, we’ve got you covered with great home insurance! 

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

Waxahachie neighborhood

Waxahachie, Texas is a North Texas town located 30 minutes south of Dallas. The community is known for its breath-taking buildings, lively annual events, and flourishing downtown area. The City of Waxahachie offers a variety of family-friendly activities such as historical architecture, fishing at Lake Waxahachie, and a variety of beautiful parks. TGS Insurance is proud to be one of the top insurance providers for Waxahachie, Texas homeowners.

Waxahachie neighborhood

Homeowners in Waxahachie, Texas all want the same thing, an exceptional home insurance policy at a super-low rate. At TGS Insurance, we shop your home insurance policy across our bank of 35+ carriers to find you a policy that is the perfect blend of coverage and value. As a Texas-owned agency with over 14,000 clients across the state, extensive industry knowledge, and exceptional customer service, we win business from Waxahachie, Texas residents daily!

Key Home Statistics in Waxahachie


Total Population in Waxahachie, TX


Average Home Value in Waxahachie, TX


Median Household Income in Waxahachie, TX


Median Age in Waxahachie, TX

Trust TGS Insurance in Waxahachie

Data as of May 28, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Major Neighborhoods in Waxahachie, TX

Image of Buffalo Ridge Neighborhood

Buffalo Ridge

Buffalo Ridge is a gorgeous, family-friendly neighborhood where residents have access to a community center, a pool, playgrounds, and walking trails.

Image of Camden Park Neighborhood

Camden Park

Camden Park is a beautiful community that exemplifies country living. The neighborhood has easy access to highways and features a relaxing fishing pond and family parks.

Image of The Estates at North Grove Neighborhood

The Estates at North Grove

The Estates at North Grove is an inviting neighborhood that features a community center with swimming pools, playgrounds, and a community lawn for picnics.

Local Home Resources in Waxahachie, TX

Fire Departments
Waxahachie Fire Dept407 Water St
Waxahachie, TX 75165
(972) 937-1200
Police Departments
Ellis County Sheriff Dept300 S Jackson St
Waxahachie, TX 75168
Waxahachie Police Dept216 N College St
Waxahachie, TX 75168