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

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Getting a Gastonia Home Insurance Quote Has Never Been Easier!

Finding the right Gastonia homeowners insurance can be confusing and time-consuming. TGS Insurance Agency is here to change that. Our expert home insurance agents do the hard work for you, making your home insurance shopping experience easy and stress-free. Getting started is simple; enter your address for a free, no-obligation instant quote, and our helpful team will take it from there!    


What is Included in Gastonia Home Insurance?

There are a few standard forms of home insurance that offer different levels of protection. This varies from different perils coverage and how much protection you want. Most of these forms include coverage- at some level- for:

  • Dwelling
  • Other Structures
  • Personal Property 
  • Loss of Use
  • Personal Liability
  • Medical Payments

Having these coverages at the base of every standard home policy allows everyone to be somewhat protected. You can choose whether or not you have more coverage in one area compared to another, and your specific coverage choices can come from your lifestyle in Gastonia.


What is the Average Cost of Home Insurance in Gastonia?

In Gastonia, the average cost of home insurance for TGS Insurance customers is $1,049 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 Gastonia 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 damages 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 $200,000 dwelling coverage limit, their premium averages at $1,021 per year. 

Dwelling Coverage LimitsAverage Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00$718.89
$200,000.00 - $299,999.00$1,020.54
$300,000.00 - $399,999.00$1,228.55
$400,000.00 - $499,999.00$1,421.39
$500,000.00 - $599,999.00$1,796.74


Gastonia Home Insurance Cost By Home Age

The age of your home is also a factor considered when carriers determine your home insurance premium. The age matters because older homes might be more expensive to rebuild after a total covered loss, especially if they must bring them up to modern safety and building codes. If you have an older home and you are looking for ways to keep your premiums low, be sure to stay up to date on home maintenance and replace older systems in your home.


How Does My ZIP Code Affect My Home Insurance?

While some factors regarding your location, such as the probability of severe weather, are calculated at the city or county level. Some factors are analyzed as specifically as your zip code or neighborhood. Since the size and build of your home are usually consistent within neighborhoods, the location of your home plays a significant role in determining your risk of covered perils. In Gastonia, the ZIP code 28052 is the area with the lowest premium of $941 for TGS customers. The ZIP code with the highest premium is 28056, costing TGS customers an average of $1,105 annually. 

How home insurance premium averages by ZIP Code in Gastonia, NC


How Different Insurance Carriers in Gastonia 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 Gastonia, the least expensive carrier is SageSure; on average, Gastonia residents pay $768 a year. Here is a breakdown of the 4 most popular carriers in Gastonia and how their averages differ.

Average Gastonia Home Insurance Premium 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!


Gastonia Zip Codes We Insure

  • 28052
  • 28054
  • 28056

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 Gastonia's Premier Home Insurance Provider

Gastonia neighborhood

Gastonia, North Carolina, is a city outside of Charlotte. It is the largest city in Gaston County and the largest in the Charlotte Metropolitan area. Outside of Charlotte, it thrives with beautiful scenery, quiet suburbs, and a vibrant small-business culture. It has been recognized as an All-American City three times and voted to be the area’s best place to work and live.

Gastonia neighborhood

When choosing an insurance agency for your Gastonia 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 Gastonia


Total Population in Gastonia, NC


Average Home Value in Gastonia, NC


Median Household Income in Gastonia, NC


Median Age in Gastonia, NC

Major Neighborhoods in Gastonia, NC

Image of Elmores Crossroads Neighborhood

Elmores Crossroads

Elmores Crossroads is a suburban area in Gastonia, NC. It has a great mix of top-rated schools, low crime rates, and family-friendly neighborhood amenities.

Image of Gardner Park Neighborhood

Gardner Park

Gardner Park is a great neighborhood for first-time home buyers. It has great school districts, walking and hiking trails, and family-oriented community activities throughout the year.

Image of Southeast Gastonia Neighborhood

Southeast Gastonia

Southeast Gastonia was voted in the top 10% of retirement-friendly neighborhoods in NC and is quiet and safe. Residents love the variety of housing options and community activities.

Image of McAdenville Neighborhood


McAdenville is a special area in Gastonia. It is known as Christmastown becuase the community comes together and decorates all the homes for the holidays.

Image of Laurel East Neighborhood

Laurel East

Recognized as one of Gastonia's "Neighborhoods to Watch," residents love Laurel East. They have an active neighborhood watch and conduct regular neighborhood cleanups.

Image of The Village at Parkside Neighborhood

The Village at Parkside

The Village at Parkside is near Martha Rivers Park and has a great community center. The HOA puts on events for everyone in the area and strives for safety in the neighborhood.

Local Home Resources in Gastonia, NC

Fire Departments
Carolina Fire Services8609 Fair Forest Road
Gastonia, NC 28052
(704) 824-0058
Crowders Mountain Volunteer Fire and Rescue IncS York Rd
Gastonia, NC 28052
(704) 865-9906
Gaston County - Fire Marshal615 N Highland St
Gastonia, NC 28052
(704) 866-3355
Gastonia Fire Dept1335 E Ozark Ave
Gastonia, NC 28054
(704) 866-4722
Police Departments
County Police Chief420 W Franklin Blvd
Gastonia, NC 28056
Gaston County Police420 W FRANKLIN BLVD
GASTONIA, NC 28052-3825
Gastonia Police DeptPo Box 1748
Gastonia, NC 28053
Police Dept-crime PreventionPo Box 1748
Gastonia, NC 28053
Police Dept-Detective Bureau200 E Long Ave
Gastonia, NC 28056
Police Dept-detective BureauPo Box 1748
Gastonia, NC 28053
Police Dept-Identification Bur200 E Long Ave
Gastonia, NC 28056
Police-records DivisionPo Box 1578
Gastonia, NC 28053