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

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Winnie, TX

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How Much is Winnie Home Insurance?


The average cost for homeowners insurance in Winnie, TX is $1,189 per year. Customers who make the switch over to TGS Insurance save on average of $870 per year on their homeowners insurance. Don’t wait and see how much you could be saving!


How Are Home Insurance Premiums Determined?


The way insurance providers calculate your homeowners insurance premium depends on a variety of things including property-specific factors as well as regional-specific factors. Let’s take a closer at the different aspects insurance companies look for on your Winnie, TX home:

Regional-Specific Factors

  • Where your home is located
  • Crime rates such as vandalism or theft
  • Areas that are prone to natural disasters (Ex: homes located on the coast)
  • The value of homes in the area
  • How dense the population is

Property-Specific Factors

  • The size of your home
  • The age of your home
  • What materials your home was made out of
  • The condition of your home
  • Any detached structures like a shed or guest home

Since Winnie, TX is near the Texas coastline, this area is prone to hurricanes, tropical storms, severe thunderstorms, and flooding, which means homeowners might have a higher premium. This is because insurance providers take on more of a risk when insuring a home that has a greater chance of experiencing natural disasters. Similarly, areas that have high crime rates are more of a risk to insure because there is more of a chance these homeowners will have to file a claim.

There are ways to have some control over your homeowners insurance premiums. Installing home security systems, motion-sensor lights or surveillance cameras can help lower your premium because it lowers the chance of someone breaking into your home. Ask your insurance agent if you qualify for any discounts! 


At TGS Insurance, We’ll Find the Right Insurance Coverage for Winnie Homeowners


Homeowners insurance can be a complex subject, especially if you are unfamiliar with the industry terms. Understanding the world of insurance is crucial when deciding what type of coverage you want for your home or just even reading your own homeowners insurance policy. Check out the video below to get a break-down of how homeowners insurance works.


Popular Supplemental Home Coverages in Winnie, TX:


Flood Insurance: Flood insurance is an add-on policy Winnie, TX homeowners can include on their policy. It is designed to protect your home and personal items from losses caused by flood damage. The standard homeowners insurance policy doesn’t protect you from a flood, so if your home is located in a flood zone or high-risk area, adding flood insurance gives you peace-of-mind knowing you’re protected. Keep in mind that 1 in 4 flood insurance claims come from homes living outside a flood zone. The average flood insurance policy costs around $634 per year but could fluctuate depending on where you live. At TGS Insurance, we provide these policies through both FEMA and other private insurance companies, so can always find you a competitive rate!


Windstorm and Hail Coverage: Winnie, TX homeowners are far too familiar with the destruction wind and hail storms can cause. Hurricane Harvey hit this area the hardest and homeowners are still recovering from the damages. Windstorm and hail coverage protects your home and the items you value the most from natural disasters like tropical storms, hurricanes, and heavy rainstorms. Adding windstorm coverage to your policy is important because the standard homeowners insurance policy will only cover you to a certain limit. At TGS Insurance, we include a 2% windstorm/hail deductible into every policy we write because we want to provide you with the most coverage while also saving you money!


Water Backup: Water backup coverage is a common policy add-on that protects homeowners from damages caused by sewage line backup, backed-up drain, or sump pump. It also covers your home for mold damage if water backup damage was the cause of it. The average price for water backup coverage ranges from $50-$250 per year with coverage starting at $5,000 going up to $25,000.


Common Home Insurance Questions from Our Customers in Winnie


Does homeowners insurance cover water damage from rain?

Homeowners insurance will provide financial assistance from water damage caused by rain if it’s caused by a named peril and deemed sudden or accidental. So if rain were to enter your home as a result of a hole in your roof from hail damage, that would be covered.

Can you get homeowners insurance with bad credit?

A poor credit score does not mean you can’t get homeowners insurance. But having a bad credit score does mean you will most likely have a higher rate on your premium

Is foundation repair covered under homeowners insurance?

Homeowners insurance will cover foundation repairs if the damage was caused by tornados, plumbing backups, fires, or explosions. It will not cover the repairs if the cause of damage was from flooding or earthquakes.


Our Featured Agents Are Ready to Help You With Your Winnie, TX Homeowners Insurance:


TGS Insurance agents believe the insurance process should be simple and inexpensive. We work with over 35 highly-rated insurance companies to find you a policy that fits your insurance needs without breaking the bank. We work for YOU, not the insurance companies!  We are here to find you the best coverage options while saving you money each year. We will walk you through the process every step of the way to make sure your insurance needs are fully taken care of from A to Z. See why Winnie, TX customers are making the switch to TGS Insurance!

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

Winnie neighborhood

Winnie, Texas was established in the 1890s and is located along I-10 between the Bolivar Peninsula and Beaumont. The tight-knit community is filled with history and offers a family-friendly atmosphere. TGS Insurance is one of the top home insurance providers for Winnie natives.

Winnie neighborhood

TGS Insurance provides home insurance in Winnie from dozens of different carriers. Winnie 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 Winnie residents every single day.

Key Home Statistics in Winnie


Total Population in Winnie, TX


Average Home Value in Winnie, TX


Median Household Income in Winnie, TX


Median Age in Winnie, TX

Trust TGS Insurance in Winnie

Data as of June 13, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured