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

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Concord, NC

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Get an Instant Concord Home Insurance Quote!

With over 55 top-rated insurance carriers at our disposal, we pride ourselves on being an independent agency that can offer comprehensive Concord home insurance options to meet your every need. Our team of highly qualified homeowners insurance agents will do the heavy lifting for you, making your home insurance shopping process a breeze. Get started with an instant, free quote today, and let us help you customize your policy to find any discounts you qualify for. We shop, you save – it’s that simple!


What is Covered in Concord Home Insurance?

Don’t let unexpected losses threaten your home and personal belongings. With home insurance in Concord, 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 is the Average Cost of Home Insurance in Concord?

In Concord, the average cost of home insurance for TGS Insurance customers is $1,141 per year. While the cost of your policy will depend on several factors, such as the value and age of your home, your location, and your credit score, our agents can help you find the coverage you need at a price you can afford. We’ll work with you to customize your coverage and ensure you’re not sacrificing anything important to save money.


Average Cost of Concord Home Insurance by Dwelling Coverage Amount

Typical home insurance includes dwelling coverage which covers the costs of repairing or rebuilding your home if it sustains damage or is destroyed due to a covered event. The limit of your dwelling coverage should match the rebuilding cost of your home, and the higher the limit, the more substantial the impact on home insurance premiums since the insurance company bears more risk. For TGS customers with a $299,999 dwelling coverage limit, their premium averages at $1,033 per year.

Dwelling Coverage LimitsAverage Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00$722.58
$200,000.00 - $299,999.00$1,033.56
$300,000.00 - $399,999.00$1,247.48
$400,000.00 - $499,999.00$1,410.80
$500,000.00 - $599,999.00$1,640.29
$600,000.00 - $699,999.00$1,793.78


Does My Location Affect Home Insurance Premiums in Concord?

Determining home insurance rates is very similar to determining auto insurance rates. For example, providers look at factors in your area, like the potential dangers you face and the crime rates. Also, your premiums could be lower if you live in a relatively low crime rate area. If your area is known for having floods or severe weather, you may have to pay more for your premium. Of the two ZIP Codes in Concord, 28025 has the lowest average premium. The average cost for that ZIP code is $1,072. Below is a comparison of the average cost of auto insurance within the ZIP codes of Concord:


Compare Concord 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 Concord are Travelers and Safeco. Home insurance quotes from TGS Insurance for Travelers average $1,091 annually. Home insurance quotes for Safeco run more expensive at $1,268 per year. 

When picking the right home insurance carrier, many factors are involved. So, 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.


Concord Zip Codes We Insure

  • 28025
  • 28027

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 Concord's Premier Home Insurance Provider

Concord neighborhood

Concord, North Carolina, is located in Cabarrus County and has a population of over 100,000 people. It is the second largest city in the Charlotte metropolitan and the 10th biggest city in North Carolina. Concord is known for its tourist spots, and it is home to the NASCAR Charlotte Motor Speedway!

Concord neighborhood

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

Key Home Statistics in Concord


Total Population in Concord, NC


Average Home Value in Concord, NC


Median Household Income in Concord, NC


Median Age in Concord, NC

Major Neighborhoods in Concord, NC

Image of Laurel Park Neighborhood

Laurel Park

Laurel Park is a traditional neighborhood in Concord, North Carolina. It boasts tree-lined streets, family-friendly community events, and areas for families to enjoy.

Image of Bedford Farms Neighborhood

Bedford Farms

Nestled in the southwest part of Concord, Bedford Farms is full of amenities for residents and other locals to enjoy. There are trails, parks, and top-rated schools.

Image of Moss Creek Neighborhood

Moss Creek

Moss Creek is known for its newer homes and amenities. There is a pool, community clubhouse, and location near shopping and dining options.

Image of Asheford Green Neighborhood

Asheford Green

Asheford Green is a family-friendly neighborhood known for its well-maintained homes, community amenities like a pool and clubhouse, and proximity to top-rated schools.

Image of Roberta Farms Neighborhood

Roberta Farms

Roberta Farms is a suburban neighborhood located on the western edge of Concord. It's known for its community parks and playgrounds, and easy commuting.

Image of Wellington Chase Neighborhood

Wellington Chase

Wellington Chase is a newer neighborhood in Concord. It's known for its modern homes, amenities like a pool and clubhouse, and proximity to shopping and dining options.

Local Home Resources in Concord, NC

Fire Departments
Allen Volunteer Fire Dept4000 Us Highway 601 S
Concord, NC 28025
(704) 782-5475
Concord City - Emergency- Fire Department- Communications100 Warren Centre Coleman Blv
Concord, NC 28027
(704) 782-2121
Concord Fire Dept100 Warren C Coleman Blvd N
Concord, NC 28027
(704) 920-5516
Concord Fire Dept31 Church St NE
Concord, NC 28025
(704) 782-9611
Police Departments
Cabarrus County Sheriff's Ofc25 Corban Ave SE
Concord, NC 28027
Cabarrus County Sheriff's Ofc25 Corban Ave Se
Concord, NC 28025
Concord Chief of Police41 Cabarrus Ave W
Concord, NC 28027
Concord Police Dept-RecordsPO Box 308
Concord, NC 28027
Police Dept-Property Control41 Cabarrus Ave W
Concord, NC 28025
State Highway Patrol2192 Kannapolis Hwy
Concord, NC 28027