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Comparison Shop Home Insurance in Albemarle from Multiple Carriers Instantly!

Being an independent insurance agency means we shop and compare the best Albemarle homeowners insurance options on your behalf to find you the best combination of cost and coverage. You’ll love doing business with us if you want an easier insurance experience. How do you get started? Easy! All we need is your address; you’ll get an instant quote in 15 seconds or less. After that, our agents will tailor and further customize your policy to fit your specific insurance needs. Did we mention we re-shop your policy renewal to ensure you are still getting the best deal year after year?

You’re one click away from never worrying about home insurance again! 

 

What Does Albemarle Home Insurance Cover?

Most home insurance policies include some level of the following types of coverage. 

Coverage Acovers damages to your home
Coverage Bcovers damages to additional structures on your property such as detached garages, sheds, or fences
Coverage Ccovers damage to personal property such as furniture, electronics, and clothes
Coverage Dcovers additional living expenses if your home becomes uninhabitable due to a covered loss
Coverage Ecovers personal liability including coverage for claims arising from accidents on your property
Coverage Fcovers medical expenses for injuries occurring on your property for those outside of your household

When it comes to home insurance in Albemarle, there’s no shortage of options. A standard policy typically covers a variety of losses, including damage caused by weather, theft, and accidents. But not all policies are created equal. That’s why it’s important to work with a knowledgeable agent who can help you navigate the complexities of home insurance and tailor your coverage to fit your needs. Whether you need more protection for your personal belongings or additional liability coverage, we’ve got you covered.

 

What is the Average Cost of Home Insurance in Albemarle?

In Albemarle, the average cost of home insurance for TGS Insurance customers is $1,007 per year. While the cost of your policy will depend on several factors, such as the value and age of your home, your location, and your credit score, our agents can help you find the coverage you need at a price you can afford. We’ll work with you to customize your coverage and ensure you’re not sacrificing anything important to save money.

 

Average Albemarle Home Insurance Cost By Coverage Level

Dwelling coverage is a fundamental element of home insurance that protects the physical structure of your home against covered hazards. The intention is to cover the expenses of repairing or rebuilding your home if it is damaged or destroyed due to a covered event. The amount of dwelling coverage needed depends on the cost of rebuilding your home. Your home insurance covers the policy limit- which is coverage for up to a specified dollar amount. It is critical to ensure that your dwelling coverage limit is sufficient to cover the cost of rebuilding your home in case of a complete loss. Dwelling coverage limits can significantly impact home insurance premiums, with higher limits resulting in higher premiums since the insurance company is assuming more risk.

In Albemarle, North Carolina, if you need $200,000 in dwelling coverage, you’ll pay an average of $1,019 per year. However, if your home is worth more, you’ll want more coverage, so homeowners wanting $400,000 in dwelling coverage will pay an average of $1,561 in Albemarle, North Carolina

Dwelling Coverage LimitsAverage Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00$696.66
$200,000.00 - $299,999.00$1,018.74
$300,000.00 - $399,999.00$1,241.40
$400,000.00 - $499,999.00$1,561.08
$500,000.00-$599,999.00$1,793.35

 

Albemarle Home Insurance Cost By Home Age

The age of your home is also a factor considered when carriers determine your home insurance premium. The age matters because older homes might be more expensive to rebuild after a total covered loss, especially if they must bring them up to modern safety and building codes. If you have an older home and you are looking for ways to keep your premiums low, be sure to stay up to date on home maintenance and replace older systems in your home.

 

Albemarle Home Insurance Rates By Company

Choosing your home insurance provider is about more than the price, even though we know the cost is undoubtedly a factor. Because each provider sets their rates, the same coverage can vary between carriers. The top carrier in Albemarle is SageSure. TGS customers in Albemarle pay an average of $762 when insured by SageSure. Looking at the numbers, an overwhelming number of people in your area have chosen SageSure over our next most popular carrier, SafePort. The average premium for SafePort is $800 for TGS Insurance customers. Here is a breakdown of the different carriers used in Albemarle

Albemarle Home Insurance Quotes by Carrier

 

Zip Codes in Albemarle TGS Insurance Covers

  • 28001

Don’t see your zip code? We’ve got you covered! We make shopping for the best home insurance easy and hassle-free for all residents throughout North Carolina. Get started today with a free, instant quote! 

TGS Insurance is Albemarle's Premier Home Insurance Provider

Albemarle neighborhood

Albemarle, North Carolina, is in the Piedmont region of the state. This area is well-known for the Morrow Mountain State Park and Albemarle Sound. With a population of around 16,000, Albemarle is a great place for people who love the outdoors. The serenity of this area in North Carolina is what the residents love.

Albemarle neighborhood

TGS Insurance Agency is committed to being one of the premier independent insurance agencies in Albemarle. As an independent agency, we represent 35+ top-rated insurance carriers, which allows us to offer comprehensive insurance options to meet your every need.

Key Home Statistics in Albemarle

16,416

Total Population in Albemarle, NC

$228,687

Average Home Value in Albemarle, NC

$43,231

Median Household Income in Albemarle, NC

39

Median Age in Albemarle, NC

Major Neighborhoods in Albemarle, NC

Image of Millingport Neighborhood

Millingport

Millingport is a family-friendly neighborhood in Albemarle, North Carolina. This area is known for its well-rated school, low crime rates, and beautiful homes.

Image of Oakhurst Neighborhood

Oakhurst

Oakhurst is a typical suburban neighborhood in Albemarle, NC. There is a very strong sense of community in Oakhurst that is centered around the town and specific area.

Image of Albemarle North Neighborhood

Albemarle North

This neighborhood is middle-income area in Albemarle, North Carolina. There are great local food and shopping nearby as well as parks that residents love to enjoy.

Local Home Resources in Albemarle, NC

Fire Departments
Albemarle Fire Department1610 E Main St
Albemarle, NC 28001
7049835454
Albemarle Fire DeptPO Box 190
Albemarle, NC 28002
7049835454
Albemarle Fire Dept607 Concord Rd
Albemarle, NC 28001
(704) 984-9488
Bethany Volunteer Fire Dept118 Bethany Rd
Albemarle, NC 28001
(704) 982-5529
Police Departments
Albemarle County Police Dept203 N 2nd St
Albemarle, NC 28001
7049835454
Albemarle Police Department141 College Dr
Albemarle, NC 28001
7049849551
Albemarle Police Dept203 N 2nd St
Albemarle, NC 28001
7049821131
Albemarle Police Headquarters203 N 2nd St
Albemarle, NC 28001
7049835454
City Of Albemarle Police Department203 N 2nd St
Albemarle, NC 28001
7049835454
Highway Patrol611 Concord Rd
Albemarle, NC 28001
7049834134
STANLY COUNTY SHERIFF223 S 2ND ST
ALBEMARLE, NC 28002
7049863719
Stanly County Sheriff Office223 S 2nd St
Albemarle, NC 28001
7049863719