Save On Home Insurance in Asheville, NC | TGS Insurance Agency

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With over 55 top-rated insurance carriers at our disposal, we pride ourselves on being an independent agency that can offer comprehensive Asheville home insurance options to meet your every need. Our team of highly qualified homeowners insurance agents will do the heavy lifting for you, making your home insurance shopping process a breeze. Get started with an instant, free quote today, and let us help you customize your policy to find any discounts you qualify for. We shop, you save – it’s that simple!


What Does Asheville 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 Asheville, 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.


How Much is Home Insurance in Asheville, North Carolina?

Asheville home insurance costs an average of $852 per year for TGS Insurance customers. This average is factored with policies with a 2% wind and hail coverage deductible and an average home value of $253,474. The cost of your home insurance premium will vary based on a few different things. This can be your credit, where you live, how much your house is worth, and the age of your home. Our instant home quote tool shops for you to find the best rates with just your address. After your instant quote, connect with one of our agents to further customize your coverage!


Average Asheville 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 Asheville, North Carolina, if you need $200,000 in dwelling coverage, you’ll pay an average of $863 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 $1,331 in Asheville, North Carolina

Dwelling Coverage LimitsAverage Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00$613.84
$200,000.00 - $299,999.00$863.62
$300,000.00 - $399,999.00$1,071.89
$400,000.00 - $499,999.00$1,331.84
$500,000.00 - $599,999.00$1,550.63


How Does My ZIP Code Affect My Home Insurance?

While some factors regarding your location, such as the probability of severe weather, are calculated at the city or county level. Some factors are analyzed as specifically as your zip code or neighborhood. Since the size and build of your home are usually consistent within neighborhoods, the location of your home plays a significant role in determining your risk of covered perils. In Asheville, the ZIP code 28806 has the lowest premium of $773 for TGS customers. The ZIP code with the highest premium is 28804, costing TGS customers an average of $947 a year. 


Best Asheville Home Insurance Carriers

Knowing who will give you a competitive premium in your area is a big part of choosing your home insurance. Among TGS customers, the most popular carrier in Asheville is Travelers. The average annual premium with Travelers is $760. Other popular carriers are Safeco and Homeowners of America. Choosing a carrier is more than just the price; however, here at TGS Insurance Agency, we know that price is one of the more important factors. Check out the table below to see the average price for Asheville based on the insurance provider.


Asheville Zip Codes TGS Insurance Agency Covers

  • 28801
  • 28803
  • 28804
  • 28805
  • 28806

If your zip code is not listed, fret not! We have access to amazing rates for homeowners all across North Carolina. Simply enter your address above to get started with a free instant quote.

TGS Insurance is Asheville's Premier Home Insurance Provider

Asheville neighborhood

Asheville, North Carolina, is a thriving mountain city with over 30 art galleries downtown. The city is filled with different mixes of Art Deco, Beaux Arts, and Neoclassical architecture. Asheville keeps in touch with its Appalachian roots by holding events like Shindig on the Green every year. Its funky and uniqueness is what people love most.

Asheville neighborhood

TGS Insurance Agency is committed to being one of the premier independent insurance agencies in Asheville. 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 Asheville


Total Population in Asheville, NC


Average Home Value in Asheville, NC


Median Household Income in Asheville, NC


Median Age in Asheville, NC

Major Neighborhoods in Asheville, NC

Image of Montford Neighborhood


Montford is a historic neighborhood known for its beautiful Victorian homes and simple access to restaurants, shops, and entertainment options.

Image of Grove Park Neighborhood

Grove Park

Grove Park is an upscale neighborhood known for its large, luxurious homes, proximity to the Grove Park Inn, and access to community parks and walking trails.

Image of Kenilworth Neighborhood


Kenilworth is a family-oriented area of Asheville near downtown. It's known for its community events like block parties, parades, and access to community parks and playgrounds.

Image of Haw Creek Neighborhood

Haw Creek

Haw Creek is a secluded neighborhood in Asheville. It used to be a farming community and only has two ways to get into the area. This gives residents privacy and peace in their homes.

Image of Beverly Hills Neighborhood

Beverly Hills

Beverly Hills is an area of Asheville that has a small-town feel with its own libraries, schools, and parks. It is neat the WNC Nature Center, which residents love.

Image of South Asheville Neighborhood

South Asheville

South Asheville is where you will find the Biltmore Estate, the Asheville shopping outlets and the North Carolina Arboretum. It is popular with families and tourists.

Local Home Resources in Asheville, NC

Fire Departments
Asheville City - Fire Rescue Department- General Business360 W Haywood St
Asheville, NC 28801
(828) 259-5636
Asheville Volunteer Fire Dept880 New Haw Creek Rd
Asheville, NC 28805
(828) 298-3850
Beaverdam Volunteer Fire Dept450 Beaverdam Rd
Asheville, NC 28804
(828) 254-3844
Biltmore Forest Fire Dept
Asheville, NC
(828) 274-0824
Buncombe County Fire Marshall164 Erwin Hills Rd
Asheville, NC 28806
(828) 250-6620
Buncombe County Government - Emergency Management- Fire MarshallCourt Plaza
Asheville, NC 28801
(828) 255-5087
Center Rural Fire Department #2199 Mountain St
Asheville, NC 28801
(704) 474-4705
Police Departments
Asheville Police Department70 COURT PLZ
Asheville, NC 28801-3507
Asheville Police Dept100 Court Plz
Asheville, NC 28801
Biltmore Forest Police DeptPO Box 5352
Asheville, NC 28816
Buncombe County Sheriff202 Haywood St
Asheville, NC 28816
Highway Patrol600 Tunnel Rd
Asheville, NC 28805