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

Save on Home Insurance in
Brevard, 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  »  


Comparison Shop Home Insurance in Brevard from Multiple Carriers Instantly!

Being an independent insurance agency means we shop and compare the best Brevard homeowners insurance options on your behalf to find you the best combination of cost and coverage. You’ll love doing business with us if you want an easier insurance experience. How do you get started? Easy! All we need is your address; you’ll get an instant quote in 15 seconds or less. After that, our agents will tailor and further customize your policy to fit your specific insurance needs. Did we mention we re-shop your policy renewal to ensure you are still getting the best deal year after year?

You’re one click away from never worrying about home insurance again! 


Brevard Home Insurance Coverage

The beauty of home insurance is that it can be tailored to fit you and your situation. Typically, a standard home insurance policy covers the following:

  • Coverage for your home and other structures on your property, like detached garages
  • Coverage for your belongings inside your home, like clothes and furniture
  • Liability coverage for guests that may be injured on your property
  • It covers additional living expenses if you need temporary lodging while your home is being repaired


What is the Cost of Home Insurance in Brevard, North Carolina?

Your home insurance policy is crafted to fit your needs as a homeowner and protect your home. Your specific policy will look different from anybody else’s since it is built to protect your home and belongings. Look at how Brevard compares to other averages. 

National Average: $1,477

North Carolina Average: $1,215

Brevard, North Carolina Average: $992

Your home insurance premium can vary from these averages, but it is always good to compare. If your current homeowners insurance policy is much less expensive than the city average, you may not have enough coverage and be underinsured. If you pay much more than these averages, you could simply be overpaying for home insurance. 


Average Brevard 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 Brevard, North Carolina, if you need $200,000 in dwelling coverage, you’ll pay an average of $934 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 $1,335 in Brevard, North Carolina

Dwelling Coverage LimitsAverage Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00$634.92
$200,000.00 - $299,999.00$932.90
$300,000.00 - $399,999.00$1,140.35
$400,000.00 - $499,999.00$1,335.23


Brevard Home Insurance Quotes and Your Home’s Age

Many factors go into calculating your home insurance premium, including your home’s age. Typically, older homes are more expensive to insure because their structure and other components tend to be outdated (Ex. using galvanized piping instead of PEX) and experienced years of all-around wear and tear. 

Age is not the only influencing factor for your home insurance premium. Carriers look at a variety of other things, including: 

  • Attractive nuisances 
  • Pet breeds
  • Claims history
  • Credit score
  • Crime rate 
  • Location
  • Marital status
  • Size
  • Replacement cost
  • And much more!


How Brevard Home Insurance is Affected By the Size of Your Home

When it comes to determining the cost of your home insurance, there’s a lot that goes into it. Carriers will look at your home’s age, location, and size- among other things. The size of your home is a factor because it affects your replacement cost. 

If you have a house with higher square footage, your home will be more expensive to rebuild if a total covered loss damages it. If you think about it, a larger house requires more building materials, time, and manpower to rebuild from the ground up. It goes the other way for smaller homes. If you have less house to rebuild, your home insurance premium will be lower. 

Looking at the numbers, houses in Brevard, North Carolina, that are over 2,500 square feet average about $1,443 per year to insure. In contrast, houses that are under 2,500 square feet cost $879 to insure a year.

Average Brevard Home Insurance Quote By Home Size


Compare Brevard Home Insurance Premiums By Carrier

The price is often the most influential factor when considering a home insurance policy. Because each carrier sets its rates, sometimes the same type of coverage can vary in price among different carriers. Two of our most popular carriers in Brevard are SageSure and Travelers. Home insurance quotes from TGS Insurance for SageSure average $613 annually. Home insurance quotes for Travelers run more expensive at $933 per year. 

When picking the right home insurance carrier, it involves many factors. You want to make sure the carrier you choose is right for you! Here are some questions to ask yourself when picking a home insurance carrier. 

  • What is their price for the coverage I want?
  • What are the company’s history and reputation?
  • Have you heard anything about the company?
  • Do they offer the coverage I am looking for? 
  • Are there discounts available?
  • Is it easy and convenient to work with them?

At TGS Insurance Agency, we work with over 55+ ‘A-rated’ home insurance carriers to help you make the right decision for your home. Use these questions and call one of our agents to find the right fit for you.

Average Brevard Home Insurance Quote By Carrier


Brevard Zip Codes TGS Insurance Agency Covers

  • 28712

If your don’t see your zip code on this list, don’t worry! We have access to amazing rates for homeowners all across North Carolina. Simply enter your address above to start with a free instant quote.

TGS Insurance is Brevard's Premier Home Insurance Provider

Brevard neighborhood

Brevard, North Carolina, is in the state's mountain region. This area is well-known for over 250 beautiful waterfalls and thousands of acres of public land. With a population of around 8,000, Brevard is a great place for people who love nature and serenity. The environment of this area in North Carolina is what the residents love.

Brevard neighborhood

At TGS Insurance Agency, we only work with the finest insurance carriers, so Brevard residents can consistently expect a comprehensive homeowners insurance policy at a low cost. As an independent agency with thousands of happy customers, partnerships with 35+ carriers, and exceptional customer service, we win business from Brevard locals daily.

Key Home Statistics in Brevard


Total Population in Brevard, NC


Average Home Value in Brevard, NC


Median Household Income in Brevard, NC


Median Age in Brevard, NC

Major Neighborhoods in Brevard, NC

Image of Green Hollow Neighborhood

Green Hollow

Green Hollow is a beloved area in Brevard. This area is known for its beautiful landscaping and gardening. Residents are seen walking, biking, and enjoying the safety of this neighborhood.

Image of Downing Park Neighborhood

Downing Park

Downing Park is another coveted neighborhood in Brevard, North Carolina. It is a mix of seniors and families that enjoy the quiet and relaxed feel of the area.

Image of Broadview Estates Neighborhood

Broadview Estates

Downing Park is another coveted neighborhood in Brevard, North Carolina. It is a mix of seniors and families that enjoy the quiet and relaxed feel of the area.

Local Home Resources in Brevard, NC

Fire Departments
Brevard City Hall - Fire Department151 W Main St
Brevard, NC 28712
(828) 883-3333
North Transylvania Volunteer Fire DepartmentAsheville Hwy
Brevard, NC 28712
(828) 883-4529
Police Departments
Brevard police dept110 W JORDAN ST
BREVARD, NC 28712-3649
Brevard Police Dept110 W Jordan St
Brevard, NC 28712
Brevard Police Dept-Detective110 W Jordan St
Brevard, NC 28712
Transylvania Sheriff Office153 Public Safety Way
Brevard, NC 28712