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 Limits Average 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
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.