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

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Homeowners Insurance  »  North Carolina  »  


Getting a Harrisburg Home Insurance Quote is as Easy as 1-2-3!

Getting the best homeowner’s insurance in Harrisburg is easy when you use TGS Insurance’s proprietary online quoting tool for a free, no-obligation quote. Did we mention it only takes 15 seconds?

  1. Enter your address
  2. View your quote 
  3. Customize your coverage with the guidance of one of our expert independent agents


Harrisburg Home Insurance Coverage

The beauty of home insurance is that it can be tailored to fit you and your situation. Typically, a standard home insurance policy covers the following:

  • Coverage for your home and other structures on your property, like detached garages
  • Coverage for your belongings inside your home, like clothes and furniture
  • Liability coverage for guests that may be injured on your property
  • It covers additional living expenses if you need temporary lodging while your home is being repaired


How Much Does Harrisburg Home Insurance Cost?

On average, a TGS customer in Harrisburg would pay $1,372 per year for home insurance. 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 $395,784 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 Harrisburg Home Insurance Cost By Coverage Level

Dwelling coverage is a fundamental element of home insurance that protects the physical structure of your home against covered hazards. The intention is to cover the expenses of repairing or rebuilding your home if it is damaged or destroyed due to a covered event. The amount of dwelling coverage needed depends on the cost of rebuilding your home. Your home insurance covers the policy limit- which is coverage for up to a specified dollar amount. It is critical to ensure that your dwelling coverage limit is sufficient to cover the cost of rebuilding your home in case of a complete loss. Dwelling coverage limits can significantly impact home insurance premiums, with higher limits resulting in higher premiums since the insurance company is assuming more risk.

In Harrisburg, North Carolina, if you need $200,000 in dwelling coverage, you’ll pay an average of $1,090 per year. However, if your home is worth more, you’ll want more coverage, so homeowners wanting $400,000 in dwelling coverage will pay an average of $1,478 in Harrisburg, North Carolina

Dwelling Coverage LimitsAverage Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00$734.02
$200,000.00 - $299,999.00$1,089.51
$300,000.00 - $399,999.00$1,300.25
$400,000.00 - $499,999.00$1,478.12


How the Size of Your Harrisburg Home Affects the Cost of Insurance

Another thing that will affect the cost of your Harrisburg home insurance is the size of your home. Insurance carriers look at the square footage of your home to determine the replacement cost.  If you have a larger house, your replacement cost will be higher. Because of the higher replacement cost, your home insurance premium will be higher than that of smaller houses. Some other factors that affect your replacement cost are:

  • Building materials used to build your home
  • Features in your home like fireplaces or a jetted tub
  • The age of your home

In Harrisburg, houses that are over 2,000 square feet cost $1,497 per year. Houses under 2,000 square feet have an average annual premium of $1,007.

Average Annual Harrisburg Home Insurance By Size

Harrisburg Home Insurance Rates By Company

Choosing your home insurance provider is about more than the price, even though we know the cost is undoubtedly a factor. Because each provider sets their rates, the same coverage can vary between carriers. The top carrier in Harrisburg is SageSure. TGS customers in Harrisburg pay an average of $1,010 when insured by SageSure. Looking at the numbers, an overwhelming number of people in your area have chosen SageSure over our next most popular carrier, Travelers. The average premium for Travelers is $1,339 for TGS Insurance customers. Here is a breakdown of the different carriers used in Harrisburg

Average Harrisburg Home Insurance Cost By Carrier


Zip Codes in Harrisburg We Insure

  • 28075

Don’t see your zip code? Not a problem! We can help homeowners throughout North Carolina find the best home coverage for their needs. Get started with a free instant quote by providing your address above. 

TGS Insurance is Harrisburg's Premier Home Insurance Provider

Harrisburg neighborhood

Harrisburg, North Carolina, is one of the most affluent zip codes in North Carolina. This is due, in part, to the proximity to Charlotte and easy highway access. A decade ago, this town only had 2,000 people. Now it is over 18,000. Residents love the 3-day fourth of July festival with parades, entertainment, and a pageant. Harrisburg is projected to be one of the fastest-growing municipalities in North Carolina in the next ten years.

Harrisburg neighborhood

At TGS Insurance, we are committed to our clients' best interests. As an independent insurance agency, we do all we can to find Harrisburg residents the best home insurance options. We want you to feel covered without the headache of shopping for policies. We do it for you!

Key Home Statistics in Harrisburg


Total Population in Harrisburg, NC


Average Home Value in Harrisburg, NC


Median Household Income in Harrisburg, NC


Median Age in Harrisburg, NC

Major Neighborhoods in Harrisburg, NC

Image of Harrisburg Town Center Neighborhood

Harrisburg Town Center

Harrisburg Town Center is a suburban community with a "Southern" style downtown. It is a mixed-use area with townhomes and condos near shops and restaurants.

Image of Bradford Park Neighborhood

Bradford Park

Bradford Park was developed in the 1990s and 2000s with average-sized homes on generous lots. The neighborhood is near some healthcare providers and grocery shopping.

Image of Brookedale Commons Neighborhood

Brookedale Commons

Brookedale Commons was created in the early 2010s and has continued to grow since then. There are large homes and great schools in the area.

Local Home Resources in Harrisburg, NC

Fire Departments
Harrisburg Fire Dept6450 Morehead Rd
Harrisburg, NC 28075
(704) 454-5475