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

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Homeowners Insurance  »  North Carolina  »  


Comparison Shop Home Insurance in Charlotte from Multiple Carriers Instantly!

Being an independent insurance agency means we shop and compare the best Charlotte homeowners insurance options on your behalf to find you the best combination of cost and coverage. If you want an easier insurance experience, you’ll love doing business with us. How do you get started? Easy! All we need is your address, and 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! 

Charlotte Home Insurance Coverage: The Basics

If you’re like most homeowners in Charlotte, your home is your most valuable asset, and you should protect it as such. It’s important to understand that when you create your home insurance policy, it should meet your individual needs. Insurance companies offer different levels of coverage, endorsements, and protections with varying conditions and limitations that enable policies to be customized. With that in mind, the most common types of coverage you will see on a homeowners insurance policy include: 

  • Dwelling coverage for the structure of your home.
  • Other structures coverage for structures not attached to your home, like detached garages, sheds, and fences.
  • Personal property coverage for replacing and repairing furniture, electronics, clothing, etc.
  • Loss of use coverage for additional living expenses if you need to stay somewhere else while your home is being repaired.
  • Personal liability coverage for legal bills if someone gets injured on your property or you cause damage and get sued.
  • Medical payment coverage helps cover medical expenses for nonhousehold members injured on your property.

What is the Average Cost of Home Insurance in Charlotte?

Homeowner’s insurance for TGS customers in Charlotte, North Carolina, averages at $1,116 per year. While your location in Charlotte is a big factor in the price of your insurance, it is not the only thing considered. Because every home insurance policy and house is different, carriers also look at the age of your home, its value, your credit score, and coverage amounts. 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! 

Home Insurance in Charlotte Cost by Dwelling Coverage Limit

Dwelling coverage limits are one of the key factors that insurers consider when setting premiums. You’ll generally pay a higher premium if you choose a high dwelling coverage limit. However, it’s important to ensure you have adequate coverage to protect your home in the event of a loss. If you have a mortgage on your home, your lender may require you to have a certain amount of dwelling coverage to protect your investment.

In Charlotte, North Carolina, a policy with $200,000-$299,999 in dwelling coverage costs an average of $1,013 per year. However, if your home is worth more, you’ll want more coverage, so homeowners wanting $400,000-$499,999 in dwelling coverage will pay an average of $1,604 in Charlotte, North Carolina.

Dwelling Coverage LimitsAverage Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00$710.42
$200,000.00 - $299,999.00$1,013.67
$300,000.00 - $399,999.00$1,212.09
$400,000.00 - $499,999.00$1,448.99
$500,000.00 - $599,999.00$1,694.29
$600,000.00 - $699,999.00$1,959.04

Does My ZIP Code Affect Home Insurance Premiums in Charlotte?

Insurance carriers look at more than your home state when pricing your premium- they can get as specific as your ZIP Code. For example, in North Carolina, when you are closer to the coast, you may experience higher annual premiums because of your risks of perils like flooding and hurricanes. In Charlotte, the ZIP code 28206 is the area with the lowest premium of $832 for TGS customers. The ZIP code with the highest premium is 28207, costing TGS customers an average of $1,555 a year. 


Best Charlotte Home Insurance Carriers

Knowing who will give you a competitive premium in your area is a big part of choosing your home insurance. Among TGS customers, the least expensive carrier in Charlotte is SageSure. The average annual premium with SageSure is $815. Some of our other carriers in Charlotte are Safeco, Travelers and Homeowners of America. Choosing a carrier is more than just the price; here at TGS, we know that is a factor. Check out the table below to see the average price for Charlotte based on the most popular insurance providers.


Charlotte Zip Codes We Insure


Zip code not listed? Don’t worry! We can help homeowners throughout North Carolina save money on their home insurance. Get started with a free instant quote by providing your address above.

TGS Insurance is Charlotte's Premier Home Insurance Provider

Charlotte neighborhood

Charlotte, North Carolina, is a city with a lot of character. From lightning-fast NASCAR to noteworthy museums, you can easily find something you love in Charlotte. Feel the southern hospitality at local farmers’ markets and classic smokehouses between your lavish shopping and sporting events. It’s easy to see how over 800,000 people have fallen in love with this city!

Charlotte neighborhood

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

Key Home Statistics in Charlotte


Total Population in Charlotte, NC


Average Home Value in Charlotte, NC


Median Household Income in Charlotte, NC


Median Age in Charlotte, NC

Major Neighborhoods in Charlotte, NC

Image of Providence Crossing Neighborhood

Providence Crossing

Just a short drive from downtown Charlotte, Providence Crossing is one of the newer neighborhoods in the city and has quickly become one of the most popular.

Image of Dilworth Neighborhood


One of the most walkable areas in Charlotte, Dilworth is a popular neighborhood known for its historic bungalows and beautiful tree-lined streets.

Image of Myers Park Neighborhood

Myers Park

An upscale neighborhood with grand homes and estates, tree-lined streets, and beautiful parks, Myers Park is known for its historic charm and luxury homes.

Image of Ballantyne Neighborhood


Ballantyne is a suburban neighborhood with upscale homes, shopping centers, and golf courses. It's popular for families and professionals who want a quieter, more relaxed lifestyle.

Image of Cotswold Neighborhood


Cotswold is a family-friendly neighborhood with great schools, parks, and shopping centers. It's a popular choice for families who want a suburban lifestyle with easy access to the city.

Image of Sharon Woods Neighborhood

Sharon Woods

Ranked in the top 100 best neighborhoods in the US by, Sharon Woods is a diverse and active community in Charlotte's Southpark area.

Local Home Resources in Charlotte, NC

Fire Departments
Carolina Fire Defense CO9400 S Tryon St
Charlotte, NC 28273
(704) 583-1750
Carolina Volunteer Fire Dept9937 Providence Rd W
Charlotte, NC 28277
(704) 543-0047
Charlotte Fire Dept221 N Myers St
Charlotte, NC 28202
(704) 336-2150
Charlotte Fire Dept9720 Harrisburg Rd
Charlotte, NC 28215
(704) 432-5159
Charlotte Fire Dept224 Wesley Heights Way
Charlotte, NC 28208
(704) 336-2499
Charlotte Fire Dept249 S Laurel Ave
Charlotte, NC 28207
(704) 336-2668
Charlotte Fire Dept3210 N Davidson St
Charlotte, NC 28205
(704) 336-2851
Charlotte Fire Dept2810 Wilkinson Blvd
Charlotte, NC 28208
(704) 399-2206
Charlotte Fire Dept420 Inwood Dr
Charlotte, NC 28209
(704) 523-3732
Charlotte Fire Dept3617 Frontenac Ave
Charlotte, NC 28215
(704) 568-4484
Charlotte Fire Dept2337 Keller Ave
Charlotte, NC 28216
(704) 399-2933
Charlotte Fire Dept1817 South Blvd
Charlotte, NC 28203
(704) 336-2580
Charlotte Fire Dept114 N Sharon Amity Rd
Charlotte, NC 28211
(704) 364-8253
Charlotte Fire Dept9231 S Tryon St
Charlotte, NC 28273
(704) 588-6752
Charlotte Fire Dept4707 Belle-Oaks Dr
Charlotte, NC 28217
(704) 357-3791
Charlotte Fire Dept1016 Sardis Ln
Charlotte, NC 28270
(704) 432-6170
Charlotte Fire Dept9400 Nations Ford Rd
Charlotte, NC 28273
(704) 525-3217
Charlotte Fire Dept9225 Bryant Farms Rd
Charlotte, NC 28277
(704) 544-3975
Charlotte Fire Dept2325 W Mallard Creek Church Rd
Charlotte, NC 28262
(704) 432-1782
Charlotte Fire Dept2201 Mt Holly-Huntersville Rd
Charlotte, NC 28214
(704) 432-0688
Charlotte Fire Dept1120 Pavilion Blvd
Charlotte, NC 28262
(704) 432-0931
Charlotte Fire Dept3820 Ridge Rd
Charlotte, NC 28269
(704) 432-8239
Charlotte Fire Dept7400 E W T Harris Blvd
Charlotte, NC 28212
(704) 536-0331
Charlotte Fire Dept4337 Glenwood Dr
Charlotte, NC 28208
(704) 399-4710
Charlotte Fire Dept1917 W Sugar Creek Rd
Charlotte, NC 28262
(704) 597-8840
Charlotte Fire Dept7132 Pineville-Matthews Rd
Charlotte, NC 28226
(704) 542-6071
Charlotte Fire Dept111 Ken Hoffman Dr
Charlotte, NC 28262
(704) 547-9355
Charlotte Fire Dept620 W 28th St
Charlotte, NC 28206
(704) 336-2130
Charlotte Fire Dept8031 Old Statesville Rd
Charlotte, NC 28269
(704) 598-6990
Charlotte Fire Dept13828 S Tryon St
Charlotte, NC 28278
(704) 432-3954
Charlotte Fire Dept12100 Shopton Rd W
Charlotte, NC 28278
(704) 353-1275
Charlotte Fire Dept8325 Providence Rd
Charlotte, NC 28277
(704) 336-4878
Charlotte Fire Dept1023 Little Rock Rd
Charlotte, NC 28214
(704) 399-1532
Charlotte Fire Dept6741 Pleasant Grove Rd
Charlotte, NC 28216
(704) 392-8636
Charlotte Fire Dept 166623 Park South Dr
Charlotte, NC 28210
(704) 554-7363
Charlotte Fire Dept 348904 Grier Rd
Charlotte, NC 28215
(704) 432-0935
Charlotte Fire Dept Sttn525 N Church St
Charlotte, NC 28202
(704) 336-4409
Charlotte Fire Permits441 Beaumont Ave
Charlotte, NC 28204
(704) 336-2101
Charlotte Fire Station6512 Monroe Rd
Charlotte, NC 28212
(704) 568-4141
Charlotte Firefighters-retire428 E 4th St
Charlotte, NC 28202
(704) 336-4431
Crescent Fire Pump2701 Hutchison McDonald Rd
Charlotte, NC 28269
(704) 599-6496
Long Creek Volunteer Fire Department6328 Beatties Ford Rd
Charlotte, NC 28216
(704) 394-1556
Mallard Creek Fire Department10702 Mallard Creek Rd
Charlotte, NC 28262
(704) 549-4528
Police Departments
Charlotte Mecklenburg Police6800 MONROE RD
CHARLOTTE, NC 28212-6821
Charlotte Mecklenburg Police Department8315 BYRUM DRIVE
Charlotte Mecklenburg Police Department600 E 4th St
Charlotte, NC 28202-2816
Charlotte Mecklenburg Police Department601 E. Trade St.
Charlotte, NC 28202
Charlotte Mecklenburg Police Department600 E 4th St Fl 7
Charlotte, NC 28202
Charlotte Mecklenburg Police Department4601 Charlotte Park Dr
Charlotte, NC 28217-1915
Charlotte Mecklenburg Police Department4601 CHARLOTTE PARK DR
CHARLOTTE, NC 28217-1954
Charlotte Mecklenburg Police Department601 E Trade St
Charlotte, NC 28202-2940
Charlotte Police Department5727 N Sharon Amity Rd Ste A
Charlotte, NC 28215
Charlotte Police Dept4045 N Tryon St Ste B
Charlotte, NC 28206
Charlotte Sheriff-arrest Proc801 E 4th St
Charlotte, NC 28202
Charlotte-Mecklenburg Police1750 SHOPTON RD
CHARLOTTE, NC 28217-2937
Charlotte-Mecklenburg Police1750 Shopton Rd
Charlotte, NC 28217
Charlotte-Mecklenburg Police3500 Latrobe Dr
Charlotte, NC 28299
Highway Patrol8446 N Tryon St
Charlotte, NC 28262

Mecklenburg County Sheriff Ofc700 E 4th St
Charlotte, NC 28202