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

Save on Home Insurance in
Hickory, 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  »  


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

Getting the best homeowner’s insurance in Hickory 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


What is Included in Hickory 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. All of this is based on your unique lifestyle in Hickory.


Cost of Home Insurance in Hickory

In Hickory, the average home insurance costs $924 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 Hickory Home Insurance Cost By Dwelling Coverage Limits

Dwelling coverage is the 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 Hickory, North Carolina, if you need $200,000 in dwelling coverage, you’ll pay an average of $902 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 $1,366 in Hickory, North Carolina.

Dwelling Coverage LimitsAverage Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00$630.19
$200,000.00 - $299,999.00$901.75
$300,000.00 - $399,999.00$1,135.52
$400,000.00 - $499,999.00$1,366.21
$500,000.00 - $599,999.00$1,633.67


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

Another thing that will affect the cost of your Hickory 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 Hickory, houses that are over 2,000 square feet cost $1,270 per year. Houses under 2,000 square feet have an average annual premium of $794.

Average Annual Hickory Home Insurance Quote by Size


Does My Location Affect Home Insurance Premiums in Hickory?

Determining home insurance rates is very similar to determining auto insurance rates. Providers look at factors in your area, like the potential dangers you face and the crime rates. Your premiums could be lower if you live in a relatively low crime rate area. If your area is known for having floods or severe weather, you may have to pay more for your premium. In Hickory, the ZIP code with the highest average premium is 28601. The average cost for that ZIP code is $962. Below is a comparison of the average cost of auto insurance within ZIP codes of Hickory

Average Annual Home Insurance in HIckory, NC by ZIP


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

We want you to find the perfect homeowners insurance in Hickory, 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 SageSure is the most popular in Hickory. People with SageSure pay an average of $655 annually. Another popular carrier in Hickory is Travelers. Travelers’ rates differ slightly from SageSure, having an average cost of $826 a year. Check out our data below for the 4 most popular carriers in Hickory and their average annual home insurance premiums. 

Hickory, NC Home Insurance Prices By Carrier


Hickory Zip Codes TGS Insurance Agency Insures

  • 28601
  • 28602

Don’t worry if you don’t see your zip code above! We can find incredible rates for homeowners throughout North Carolina.  Enter your address above for a free instant home insurance quote. 

TGS Insurance is Hickory's Premier Home Insurance Provider

Hickory neighborhood

Hickory, North Carolina, is home to the Hickory Motor Speedway, known as the “birthplace of NASCAR stars” to those in the area. With the history of stock car racing, locals love to spend their weekends on the tracks. They also enjoy Hickory’s craft beer scene and going on adventures on Lake Hickory. Who knew there was so much to do in Hickory!

Hickory neighborhood

At TGS Insurance, we are committed to our clients' best interests. As an independent insurance agency, we do all we can to find Hickory 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 Hickory


Total Population in Hickory, NC


Average Home Value in Hickory, NC


Median Household Income in Hickory, NC


Median Age in Hickory, NC

Major Neighborhoods in Hickory, NC

Image of Lake Hickory Neighborhood

Lake Hickory

Lake Hickory is a beautiful and sought-after neighborhood that surrounds the lake of the same name. The area offers stunning views of the water and easy access to boating and fishing.

Image of Viewmont Neighborhood


Viewmont is a popular neighborhood in Hickory known for its walkability, sidewalks and bike lanes throughout, and proximity to shopping, dining, and entertainment options.

Image of Oakwood Neighborhood


Oakwood is a family-friendly neighborhood in Hickory that offers affordable homes and a strong sense of community. The area is known for its well-maintained parks and playgrounds.

Local Home Resources in Hickory, NC

Fire Departments
Fairbrook Volunteer Fire Department320 1st Ave NW
Hickory, NC 28601
(828) 322-1313
Hickory City - Fire Department Business- Hickory Fire Department- Fire Depart19 2nd St Dr NE
Hickory, NC 28601
(828) 323-7420
Hickory Fire Dept1425 21st St Dr SE
Hickory, NC 28602
(828) 322-1313
Longview Fire Dept2404 1st Ave SW
Hickory, NC 28602
(800) 968-8253
Mountain View Fire Department3323 S Nc 127 Hwy
Hickory, NC 28602
(828) 294-4273
Mountain View Volunteer Fire Department1540 Henry River Rd
Hickory, NC 28602
(828) 304-4273
Police Departments
Hickory Police Administration347 2nd Ave SW
Hickory, NC 28602
Hickory Police Administration347 2nd Ave SW
Hickory, NC 28603
Police Communications347 2nd Ave SW
Hickory, NC 28603