Shopping For Cheap Beaufort Home Insurance Is Easier Than You Think
As an independent agency, we represent 55+ top-rated insurance carriers, which allows us to offer comprehensive insurance options to meet your every need. The best part? Our highly qualified homeowners insurance agents do the hard work for you, making your home insurance shopping process easy and stress-free. Your savings start with an instant, free quote. Our agents are ready to help you further customize your quote and find any discounts you might qualify for!
We shop. You Save. Yes, it really is that easy.
What is Covered in Beaufort Home Insurance?
Don’t let unexpected losses threaten your home and personal belongings. With home insurance in Beaufort, you can have peace of mind knowing you’re covered against various risks. A standard policy typically covers your home’s structure, personal belongings, liability, and additional living expenses. But not all policies are created equal, so it’s important to work with an agent who can help you customize your coverage to fit your unique needs. Whether you need more protection for your high-value items or want to add coverage for specific risks like earthquakes or floods, we’ve got you covered.
What Does Home Insurance Cost in Beaufort?
Homeowners insurance in Beaufort costs $4,229 a year, or $352.42 a month, for TGS customers. The cost of your home insurance premium will vary based on a few different things. This can be from your credit, location, value of your home, and what year your home was built. It is normal for your home insurance to vary from this average and other numbers you see online. The great thing about it is that you can completely customize your coverage. TGS has helped over 15,000 customers save on their home insurance premiums. To lock in your savings, type your address above for an instant quote!
Average Home Insurance Quotes in Beaufort by Coverage Level
Dwelling coverage is a critical aspect of home insurance that protects your home’s physical structure from covered hazards. Your home insurance policy typically provides coverage up to a specified dollar amount, known as the policy limit. Ensuring that your dwelling coverage limit is sufficient to rebuild your home in the event of a total loss is critical. Since the insurance company assumes more risk, dwelling coverage limits may significantly impact home insurance premiums, with higher limits resulting in higher premiums. Below is a breakdown of the average home insurance premium based on dwelling coverage limits.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000.00 - $199,999.00 | $3,216.47 |
| $200,000.00 - $299,999.00 | $3,976.30 |
| $300,000.00 - $399,999.00 | $5,120.56 |
| $400,000.00 - $499,999.00 | $6,154.53 |
| $500,000.00-$599,999.00 | $7,302.04 |
How Square Footage Affects Your Beaufort Home Insurance
When you initially chat with your insurance agent about your quote, they will want to know the square footage of every part of your home. They do this because the more square footage you have, the more your house will inevitably cost to rebuild if you lose it due to a covered loss. Rebuild costs- known as replacement cost in the insurance world- are a big part of determining how much you will pay in insurance premiums. Below we have a breakdown of average annual premiums in Beaufort, North Carolina, based on the size of your home.
Cheapest Beaufort Home Insurance Carrier
Homeowners in Beaufort, North Carolina, all want the same thing- an excellent home insurance policy that doesn’t break the bank. Cost is one of the most influential things people look at when purchasing insurance, next to the amount of coverage. This is why homeowners must compare and shop their policies across multiple carriers! Insurance carriers set their rates, so your premium could vary across multiple carriers with the same coverage. Our two most affordable (and popular) insurance providers in Beaufort, North Carolina, are Hippo and Homeowners of America. On average, TGS Insurance customers in Beaufort, North Carolina, pay $3,625 for Hippo annually and $4,832 for Homeowners of America.
Beaufort Zip Codes We Insure
- 28516
Don’t see your zip code? It’s okay! At TGS Insurance Agency, we have access to a wide range of insurance carriers and products to help homeowners throughout North Carolina save money on their home insurance. Get a free, instant quote today and protect yourself, your family, and your home from the unexpected.
