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

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Homeowners Insurance  »  North Carolina  »  

Durham

Comparison Shop Home Insurance in Durham from Multiple Carriers Instantly!

Being an independent insurance agency means we shop and compare the best Durham 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! 

What is Covered in Durham Home Insurance?

Don’t let unexpected losses threaten your home and personal belongings. With home insurance in Durham, 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. 

Cost of Home Insurance in Durham

In Durham, the average home insurance costs $1,245 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 Durham 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$767.04
$200,000.00 - $299,999.00$1,079.00
$300,000.00 - $399,999.00$1,304.34
$400,000.00 - $499,999.00$1,580.34
$500,000.00 - $599,999.00$1,874.95
$600,000.00 - $699,999.00$2,161.76

How Does Your Location in Durham Affect Your Home Insurance?

Where you live is one of the biggest factors that affect your home insurance premium. This gets so specific that carriers look at ZIP codes and neighborhoods. If your neighborhood has a higher theft rate than the neighborhood a few blocks down, your rates will be higher. If home insurance companies identify anything in your area that might make your home riskier to insure, you will see that reflected in your premium. Because carriers are very particular with risk evaluations, rates vary greatly-even within the same city. Below is a breakdown of the average annual premium for home insurance in Durham:

Average annual home insurance premium in Durham, NC by ZIP Code

How Different Insurance Carriers in Durham 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 Durham, the least expensive carrier is Travelers, and on average, Durham residents pay $1,039 a year. Here is a breakdown of 3 of our most popular carriers in Durham and how their averages differ.

Durham, NC average premiums 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!

Durham Zip Codes We Insure

27701277042770727712
27703277052770927713

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 Durham's Premier Home Insurance Provider

Durham neighborhood

Durham, North Carolina, is celebrated for its prestigious universities, young adult culture, and over 150 years of history. With a steadily growing population, Durham adapts to the times and consistently shifts to the new and upcoming. Food is a large part of Durham’s history and what people flock to this city for. Durham is for you if you are looking for something new, exciting, and yummy.

Durham neighborhood

At TGS Insurance Agency, we only work with the finest insurance carriers, so Durham 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 Durham locals daily.

Key Home Statistics in Durham

283,547

Total Population in Durham, NC

$408,825

Average Home Value in Durham, NC

$66,623

Median Household Income in Durham, NC

34

Median Age in Durham, NC

Major Neighborhoods in Durham, NC

Image of Downtown Durham Neighborhood

Downtown Durham

Home to the most popular shops, breweries, restaurants, and historic landmarks of Durham, Downtown holds vibrancy, history, and diversity at its core.

Image of Research Triangle Park Neighborhood

Research Triangle Park

Founded in 1959, Research Triangle Park is the largest research park in the country. This area makes Durham known for innovation and education.

Image of Trinity Park Neighborhood

Trinity Park

One of Durham’s oldest central neighborhoods, Trinity Park is 40 square blocks of tree-lined streets, historic architecture, and a tight-knit community of all ages.

Image of Duke Park Neighborhood

Duke Park

Duke Park is a quiet residential area known for its 1920s-style homes near creeks and nature preserves. It is a family-oriented area with local events and a close community.

Image of Old West Durham Neighborhood

Old West Durham

Old West Durham is located next to Duke University’s main campus and is a great place for college students. The eclectic coffee shops, book stores, and casual bars are ideal for any 20-something-year-old.

Image of Northgate Park Neighborhood

Northgate Park

Northgate Park in Durham is a suburban, walkable neighborhood. A mix between single-family homes and large parks, Northgate Park is perfect for young couples and any age family.

Local Home Resources in Durham, NC

Fire Departments
Durham Fire Dept2800 W Cornwallis Rd
Durham, NC 27705
(919) 560-4463
Durham Fire Dept3919 N Duke St
Durham, NC 27704
(919) 560-4266
Durham Fire Dept1230 Carpenter Fletcher Rd
Durham, NC 27713
(919) 560-4460
Durham Fire Dept1327 Umstead Rd
Durham, NC 27712
(919) 560-1126
Durham Fire Dept225 Lick Creek Ln
Durham, NC 27703
(919) 560-1404
Durham Fire Dept2901 S Miami Blvd
Durham, NC 27703
(919) 560-4907
Durham Fire Dept1818 Riddle Rd
Durham, NC 27713
(919) 560-4257
Durham Fire Dept822 N Miami Blvd
Durham, NC 27703
(919) 560-4254
Durham Fire Dept3700 Swarthmore Rd
Durham, NC 27707
(919) 560-4264
Durham Fire Dept2212 Chapel Hill Rd
Durham, NC 27707
(919) 560-4261
Durham Fire Dept1001 9th St
Durham, NC 27705
(919) 560-4251
Durham Fire Dept1805 Cole Mill Rd
Durham, NC 27712

Durham Fire Dept-station 1139 E Morgan St
Durham, NC 27701
(919) 560-4245
Durham Fire Ems Coordinator2008 E Club Blvd
Durham, NC 27704
(919) 560-4242
Eno Fire Dept5019 Old Hillsborough Rd
Durham, NC 27705
(919) 383-5967
Lebanon Volunteer Fire Dept7900 Russell Rd
Durham, NC 27712
(919) 477-4687
Parkwood Volunteer Fire Dept1409 Seaton Rd
Durham, NC 27713
(919) 361-0927
Redwood Volunteer Fire Dept4901 Cheek Rd
Durham, NC 27704
(919) 688-8422
Police Departments
DUKE UNIVERSITY DUKE POLICE502 OREGON ST
DURHAM, NC 27722
9196842444
Duke University Duke Police502 Oregon St
Durham, NC 27705
9196842444
DURHAM COUNTY SHERIFF326 E MAIN ST
DURHAM, NC 27722
9195600659
Durham County Sheriff326 E Main St
Durham, NC 27701
9195607630
Durham County Sheriff Dept5323 WAKE FOREST RD
DURHAM, NC 27703-9767
9195600987
Durham County Sheriff's Office201 E Main St
Durham, NC 27722
9195600897
Durham County Sheriff's Office201 E Main St
Durham, NC 27701
9195607630
Durham Police505 W Chapel Hill St
Durham, NC 27701
9195604322
Durham Police Chief505 W Chapel Hill St
Durham, NC 27701
9195604322
Durham Police Department505 W Chapel Hill St
Durham, NC 27701
9195604322
Durham Police Department120 E. PARRISH ST.
DURHAM, NC 27701
919-560-1200
Durham Police Department101 City Hall Plz
Durham, NC 27701-3329
919-560-4427
Durham Police Department505 W CHAPEL HILL ST
DURHAM, NC 27701-3101
919-560-4427
Durham Police Department101 City Hall Plaza
Durham, NC 27701
919-560-4427
Durham Police Department101 CITY HALL PLZ FL 3
Durham, NC 27701-3329
919-560-4427
Durham Police Department1833 CAMDEN AVE
DURHAM, NC 27704
919-560-4427
Durham Police Department101 City Hall Plz
Durham, NC 27701
919-560-4427
Durham Police Department2008 E CLUB BLVD
DURHAM, NC 27704-3414
919-560-4427
Durham Police Department401 E. LAKEWOOD AVENUE
DURHAM, NC 27707
919-560-4427
Durham Police Dept2400 Holloway St
Durham, NC 27722
9195604281
Durham Police Dept921 Holloway St
Durham, NC 27701
9195604281
Durham Police Dept505 W Chapel Hill St
Durham, NC 27722
9195604415
Durham Police Dept505 W Chapel Hill St
Durham, NC 27701
9195604415
DURHAM POLICE DEPT8 CONSULTANT PL
DURHAM, NC 27722
9195604583
Durham Police Dept8 Consultant Pl
Durham, NC 27707
9195604583