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

Save on Home Insurance in
Fayetteville, NC

We ONLY need your address

Quote looks like this
An Example Quote

See What Our Clients Have to Say


trust star

Based on 2,615 reviews

Showing our 4 & 5 star reviews
Homeowners Insurance  »  North Carolina  »  


Finding Affordable Fayetteville Home Insurance Made Simple

At TGS Insurance Agency, we leverage our relationships with several top-rated carriers to find you the best coverage and prices. Our online quoting tool makes getting a home insurance quote easier and faster than ever- all we need is your address! Our agents are ready to review your quote to assure you are getting the coverage you need and not overpaying for coverage you don’t.  

We shop, and you save time and money; it really is that easy.


What is Covered in Fayetteville Home Insurance?

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


How Much Does Fayetteville Home Insurance Cost?

The average cost of home insurance in Fayetteville, North Carolina, is $1,575 among TGS Insurance Agency customers. Home insurance rates vary based on several factors, including your home’s age, value, and location, as well as your credit score and desired coverage levels. This average is based on policies with an average home value of $267,355 and includes windstorm and hail coverage with a 2% deductible. TGS Insurance Agency offers customizable options to all our customers so you can find the right policy and pay what you want. Get started with a free instant home insurance quote by providing your address above.


Average Fayetteville Home Insurance Cost By Dwelling Coverage Limits

As mentioned above, dwelling coverage is a component of home insurance that protects the physical structure of your home from covered perils. It is designed to cover the cost of repairing or rebuilding your home if it is damaged or destroyed by a covered event. The amount of dwelling coverage you need will depend on the cost of rebuilding your home. Your home insurance policy typically provides coverage up to a specified dollar amount, known as the policy limit. It’s important to ensure that your dwelling coverage limit is high enough to cover the cost of rebuilding your home in the event of a total loss. Dwelling coverage limits can have a significant impact on home insurance premiums. In general, the higher the dwelling coverage limit, the higher the premium since the insurance company will take on more risk.

In Fayetteville, North Carolina, if you need $200,000 in dwelling coverage, you’ll pay an average of $1,586 per year. However, if your home is worth more, you’ll want more coverage, so homeowners wanting $400,000 in dwelling coverage will pay closer to an average of $2,322 in Fayetteville, North Carolina.

Dwelling Coverage LimitsAverage Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00$1,098.64
$200,000.00 - $299,999.00$1,586.20
$300,000.00 - $399,999.00$1,939.06
$400,000.00 - $499,999.00$2,322.10
$500,000.00 - $599,999.00$2,718.44


How Does Your Location in Fayetteville 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 Fayetteville:


Cheapest Fayetteville Home Insurance Carrier

Homeowners in Fayetteville, North Carolina, all want the same thing- an excellent home insurance policy that doesn’t break the bank. Cost is one of the most influential things people look at when purchasing insurance, next to the amount of coverage. This is why homeowners must compare and shop their policies across multiple carriers! Insurance carriers set their rates, so your premium could vary across multiple carriers with the same coverage. Our two most affordable (and popular) insurance providers in Fayetteville, North Carolina, are Safeco and SageSure. On average, TGS Insurance customers in Fayetteville, North Carolina, pay $1,346 for Safeco annually and $1,117 for SageSure.

Fayetteville 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 Fayetteville's Premier Home Insurance Provider

Fayetteville neighborhood

In Southeast North Carolina, Fayetteville is linked to major cities like Washington D.C., New York, and Orlando by Interstate Highway 95. Fayetteville’s ideal location is paired with its thriving downtown. You can enjoy theater, art, and so much culture. They also are home to museums like the Airborne and Special Operations Museum, which honors the city’s connection to service members.

Fayetteville neighborhood

TGS Insurance Agency is committed to being one of the premier independent insurance agencies in Fayetteville. As an independent agency, we represent 35+ top-rated insurance carriers, which allows us to offer comprehensive insurance options to meet your every need.

Key Home Statistics in Fayetteville


Total Population in Fayetteville, NC


Average Home Value in Fayetteville, NC


Median Household Income in Fayetteville, NC


Median Age in Fayetteville, NC

Major Neighborhoods in Fayetteville, NC

Image of Arran Hills Neighborhood

Arran Hills

Arran Hills has all a little neighborhood could ask for. It is close to shops, churches, and restaurants. With only a short drive to Fort Bragg, Arran Hills is great for many Fayetteville residents.

Image of Clairway Neighborhood


Clairway is mostly single-family homes but has a few high-rise-style apartment buildings in the area. Its proximity to the rest of what Fayetteville offers makes it great for residents.

Image of Yadkin Acres Neighborhood

Yadkin Acres

Yadkin Acres has a mix of apartment complexes, high-rise-style apartments, and single-family homes. It is one of the most affordable neighborhoods in North Carolina.

Image of Arran Lakes West Neighborhood

Arran Lakes West

Arran Lakes West is a scenic neighborhood in southwest Fayetteville. It is close to shopping, dining, entertainment options, and Cross Creek Mall.

Image of Westover Neighborhood


Near Cross Creek Mall and dowtntown Fayetteville, Westover is situated nicely in the center of the city. It is known for having all the perks of the city while also having natural areas.

Image of Haymount Neighborhood


You can find Haymount in the heart of Fayetteville. It is a historical neighborhood that has beautiful architecture. A lot of the homes there date back tot he early 20th century.

Local Home Resources in Fayetteville, NC

Fire Departments
Eastover Volunteer Fire Department3405 Dunn Rd
Fayetteville, NC 28312
(910) 483-3770
Fayetteville Fire ANTZ220 N McPherson Church Rd
Fayetteville, NC 28303
(910) 321-0123
Grays Creek Fire Department No 24Sand Hill Rd
Fayetteville, NC 28301
(910) 483-1816
Lafayette Village Volunteer Fire Department6701 Bailey Lake Rd
Fayetteville, NC 28304
(910) 425-0338
North Carolina State - Forest Resources- Fire TowerElliot Bridge Rd
Fayetteville, NC 28311
(910) 488-8100
Vander Fire Dept3509 Clinton Rd
Fayetteville, NC 28312
(910) 483-5042
West Area Volunteer Fire Dept4820 Rosehill Rd
Fayetteville, NC 28311
(910) 822-0440
Westarea Volunteer Fire Dept6987 Ramsey St
Fayetteville, NC 28311
(910) 488-7503
Police Departments
Fayetteville Police Chief467 Hay St
Fayetteville, NC 28301
Highway Patrol2435 Gillespie St
Fayetteville, NC 28306
Sheriffs Office131 Dick St
Fayetteville, NC 28301