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

Save on Home Insurance in
Boone, 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  »  


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?

  1. Enter your address
  2. View your quote 
  3. 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 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 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 LimitsAverage 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.

Average Boone Home Insurance Quotes by Carrier

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

  • 28607

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. 

TGS Insurance is Boone's Premier Home Insurance Provider

Boone neighborhood

The town of Boone is located in the Blue Ridge Mountains in western North Carolina. Named one of the top 50 adventure towns in the United States by National Geographic Adventure Magazine, Boone has it all: hiking, fishing, zip-lining, rafting, and more! The town also boasts a lively art, history, and cultural scene.

Boone neighborhood

As an independent insurance agency, our commitment is to our client's best interests. TGS Insurance Agency is committed to finding Boone residents home insurance options to meet their every need at a competitive price coupled with exceptional customer service.

Key Home Statistics in Boone


Total Population in Boone, NC


Average Home Value in Boone, NC


Median Household Income in Boone, NC


Median Age in Boone, NC

Major Neighborhoods in Boone, NC

Image of Hodges Gap Neighborhood

Hodges Gap

Hodges Gap is a neighborhood that is nestled in the Blue Ridge Mountains. The gorgeous landscape and views draw residents in.

Image of Perkinsville Neighborhood


Perkinsville is a neighborhood in Boone, North Carolina with a welcoming community, This area is known for its top-schools and freindly atmosphere.

Image of Grandview Heights Neighborhood

Grandview Heights

This neighborhood in Boone, NC is known for its excellent location. Nearby you can fine delicious local restaurants and fabulous shopping.

Local Home Resources in Boone, NC

Fire Departments
Boone Fire Dept721 W King St
Boone, NC 28607
(828) 268-6180
Boone Fire Dept635 Blowing Rock Rd
Boone, NC 28607

Boone Town - Fire Dept- Emergency Information & Fire Inspection1075 State Farm Rd
Boone, NC 28607
(828) 262-4520
Police Departments
Boone Police Dept1500 Blowing Rock Rd
Boone, NC 28608
Boone Police Dept1500 Blowing Rock Rd
Boone, NC 28607
Watauga County Sheriff Records184 Hodges Gap Rd
Boone, NC 28607
Watauga County Sheriff's Dept184 Hodges Gap Rd
Boone, NC 28608
Watauga County Sheriffs Dept184 Hodges Gap Rd
Boone, NC 28608