Save On Home Insurance in Elizabeth City, NC | TGS Insurance Agency

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Elizabeth City, NC

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Homeowners Insurance  »  North Carolina  »  

Elizabeth City

Comparison Shop Home Insurance in Elizabeth City from Multiple Carriers Instantly!

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


Elizabeth City Homeowners Insurance Coverage Explained

Your home is more than just a building – it’s where memories are made and cherished. That’s why having the right home insurance in Elizabeth City is so important. A standard policy typically covers losses caused by weather, theft, and accidents and includes essential coverages like protection for your home’s structure, personal belongings, liability, and additional living expenses. But every homeowner’s needs differ, so working with a trusted agent who can help you customize your coverage is important. From adding flood insurance to increasing your liability limits, we’re here to help you protect what matters most.


What is the Cost of Home Insurance in Elizabeth City, 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 Elizabeth City compares to other averages. 

National Average: $1,477

North Carolina Average: $1,215

Elizabeth City, North Carolina Average: $2,834

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 Homeowners Insurance Cost by Coverage Level in Elizabeth City

The cost to replace your home is essential to determine the dwelling coverage you need on your home insurance policy; this limit directly impacts your home insurance premium. On top of affecting your average annual costs, having an accurate replacement cost can prevent you from being underinsured if a covered loss takes your entire house. These are the average annual home insurance costs in Elizabeth City, North Carolina, based on dwelling coverage limits associated with the policy. 

Dwelling Coverage LimitsAverage Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00$2,131.80
$200,000.00 - $299,999.00$2,732.46
$300,000.00 - $399,999.00$3,380.04
$400,000.00 - $499,999.00$4,165.28


How Square Footage Affects Your Elizabeth City Home Insurance

When you initially chat with your insurance agent about your quote, they will want to know the square footage of every part of your home. They do this because the more square footage you have, the more your house will inevitably cost to rebuild if you lose it due to a covered loss. Rebuild costs- known as replacement cost in the insurance world- are a big part of determining how much you will pay in insurance premiums. Below we have a breakdown of average annual premiums in Elizabeth City, North Carolina, based on the size of your home. 


How Square Footage Affects Your Elizabeth City Home Insurance


Who is the Most Popular Home Insurance Carrier in Elizabeth City, North Carolina?

We want you to find the perfect homeowners insurance in Elizabeth City, North Carolina. Knowing what the best insurance carriers in your area charge for home insurance is a great way to know if your policy is competitive. We pulled together some data from TGS customers in your area and found that Hippo is the most popular in Elizabeth City. People with Hippo pay an average of $2,315 annually. Another popular carrier in Elizabeth City is Homeowners of America. Homeowners of America’s rates differ slightly from Hippo, with an average cost of $3,355 a year. 

Home insurance costs by carrier in elizabeth city


Elizabeth City Zip Codes We Insure

  • 27909

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 Elizabeth City's Premier Home Insurance Provider

Elizabeth City neighborhood

Elizabeth City, North Carolina, is a coastal town of over 18,000 people. This town holds the largest Coast Guard Base on the East Coast. In the past, Elizabeth City was a major seaport where large ships would bring goods to the New World. With this rich history, tourists come to Elizabeth City to learn about the “Harbor of Hospitality.”

Elizabeth City neighborhood

When choosing an insurance agency for your Elizabeth City home insurance needs, you want a company you can trust. TGS Insurance Agency is an independent insurance agency committed to being that for you. We do not work for an insurance company; we work for you!

Key Home Statistics in Elizabeth City


Total Population in Elizabeth City, NC


Average Home Value in Elizabeth City, NC


Median Household Income in Elizabeth City, NC


Median Age in Elizabeth City, NC

Major Neighborhoods in Elizabeth City, NC

Image of Hugh Cale Neighborhood

Hugh Cale

Hugh Cale is a historic neighborhood in Elizabeth City that is named after a prominent figure in their community. This area is known for its historic homes and the culture.

Image of Northside Neighborhood


Northside is a family-friendly neighborhood on the outskirts of Elizabeth City, North Carolina. It is close to edge of the Pasquotank River that feeds to the Atlantic.

Image of Sawyertown Neighborhood


Sawyertown is a neighborhood in Elizabeth City that is close to Mid Atlantic Christian University. The area is middle-class and has great amenities

Local Home Resources in Elizabeth City, NC

Fire Departments
Camden County - Fire Departments- CamdenCamden Causeway
Elizabeth City, NC 27909
(252) 338-3722
Elizabeth City City - Fire Department- Station II410 Harney St
Elizabeth City, NC 27909
(252) 333-1045
Elizabeth City Fire Department902 Halstead Blvd
Elizabeth City, NC 27909
(252) 335-1819
Pasquotank County Fire Department Coordinator103 S Road St
Elizabeth City, NC 27909
(252) 333-3222
Police Departments
Elizabeth City Police DeptPO Box 347
Elizabeth City, NC 27909
NC Highway Patrol1164 US HIGHWAY 17 S
Pasquotank County Sheriff'sPO Box 587
Elizabeth City, NC 27909