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

Save on Home Insurance in
Beaufort, NC

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  »  North Carolina  »  


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 LimitsAverage 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


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. 

How Square Footage Affects Your Beaufort Home Insurance


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.


North Carolina Home Insurance Price by carrier


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. 

TGS Insurance is Beaufort's Premier Home Insurance Provider

Beaufort neighborhood

The third oldest town in North Carolina, Beaufort is a great place to live in coastal Carolina. According to local history, Blackbeard's ship ran aground in Beaufort in 1718. Nowadays, Beaufort is home to locals who love to fish, be on the water, and enjoy the outdoors. The North Carolina Maritime Museum in Beaufort brings in tourists.

Beaufort neighborhood

When choosing an insurance agency for your Beaufort home insurance needs, you want a company you can trust. TGS Insurance Agency is an independent insurance agency committed to being that for you. We do not work for an insurance company; we work for you!

Key Home Statistics in Beaufort


Total Population in Beaufort, NC


Average Home Value in Beaufort, NC


Median Household Income in Beaufort, NC


Median Age in Beaufort, NC

Major Neighborhoods in Beaufort, NC

Image of Deerfield Shore Neighborhood

Deerfield Shore

Near the Beaufort yacht club, Deerfield Shores offers residents a mixture of wilderness and water access. This area is mostly single-family homes.

Image of Beaufort Meadow Neighborhood

Beaufort Meadow

Residents love Beaufort Meadow because it is close to downtown Beaufort and Morehead City. Atlantic beach is also a short drive from this quiet neighborhood.

Image of Eastman Creek Neighborhood

Eastman Creek

Eastman Creek is a great neighborhood in Beaufort, North Carolina. This area has access to great dining, local shops, and entertainment that the whole family will enjoy.

Local Home Resources in Beaufort, NC

Fire Departments
Beaufort Fire Dept900 Cedar St
Beaufort, NC 28516

Carteret County - Fire Marshal402 Turner St
Beaufort, NC 28516
(252) 728-8472
North River Volunteer Fire Department893 Merrimon Rd
Beaufort, NC 28516
(252) 728-7120
Otway Volunteer Fire Department Inc509 Hwy 70 Otway
Beaufort, NC 28516
(252) 728-3150
Police Departments
Beaufort Police Dept610 Broad St
Beaufort, NC 28516
Carteret County Sheriff's OfcPo Box 239
Beaufort, NC 28516