Getting a Boone Home Insurance Quote is as Easy as 1-2-3!
Getting the best homeowner’s insurance in Boone is easy when you use TGS Insurance’s proprietary online quoting tool for a free, no-obligation quote. Did we mention it only takes 15 seconds?
- Enter your address
- View your quote
- Customize your coverage with the guidance of one of our expert independent agents
What Does Boone Home Insurance Cover?
Most home insurance policies include some level of the following types of coverage.
Coverage A covers damages to your home
Coverage B covers damages to additional structures on your property such as detached garages, sheds, or fences
Coverage C covers damage to personal property such as furniture, electronics, and clothes
Coverage D covers additional living expenses if your home becomes uninhabitable due to a covered loss
Coverage E covers personal liability including coverage for claims arising from accidents on your property
Coverage F covers medical expenses for injuries occurring on your property for those outside of your household
When it comes to home insurance in Boone, 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.
Cost of Home Insurance in Boone
In Boone, the average home insurance costs $923 per year for TGS Insurance customers. The cost of your home insurance is based on several different factors, including, but not limited to:
- The value of your home.
- Where your home is.
- How old your home is.
- The number of residents in your home.
- Your credit score.
These factors set a base for your home insurance, and then you can customize your coverage. The more coverage you choose to have, the more your yearly premium will be. TGS Insurance is here to help you find the best price without sacrificing any coverage you want.
Average Home Insurance Quotes in Boone by Coverage Level
Dwelling coverage is a critical aspect of home insurance that protects your home’s physical structure from covered hazards. Typically, your home insurance policy 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 $612.23
$200,000.00 - $299,999.00 $903.62
$300,000.00 - $399,999.00 $1,112.76
$400,000.00 - $499,999.00 $1,286.61
How the Age of Your Boone Home Affects Your Insurance
The age of your home can affect your insurance in many ways. Older homes are more at risk of electrical, plumbing, and heating/cooling complications. These issues increase the risk of fire and water damage in homes. Also, older homes can be less structurally sound than newer homes. This could lead to more damage when natural disasters-like hurricanes- come through. All of these can result in higher insurance premiums. In contrast, newer homes may be immune to these issues, making them cheaper to insure.
How Different Insurance Carriers in Boone Differ in Price
When searching for a new home insurance policy, you want to ensure it fits your needs and is within your budget. The carrier you decide to use is one of the biggest factors affecting your premium cost. Carrier rates differ because they have different ways of determining your risk to them. Say your house is a bit older- one carrier may see that as not a huge deal, but another will take that seriously and charge you more for your premium. In Boone, the least expensive carrier is SageSure; on average, residents pay $650 a year. Here is a breakdown of Boone’s four most popular carriers and how their averages differ.
When picking which carrier is right for you, the cheapest may not always be the best. But there is no need for endless days of researching, quoting, and aggravation. At TGS, we shop around for you. You get all the prices and coverages given to you. Then you can decide which is your perfect match!
Zip Codes in Boone We Insure
Don’t see your zip code? Not a problem! We can help homeowners throughout North Carolina find the best home coverage for their needs. Get started with a free instant quote by providing your address above.