Comparison Shop Home Insurance in Holly Springs from Multiple Carriers Instantly!
Being an independent insurance agency means we shop and compare the best Holly Springs homeowners insurance options on your behalf to find you the best combination of cost and coverage. If you want an easier insurance experience, you’ll love doing business with us. How do you get started? Easy! All we need is your address, and 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!
Holly Springs 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 Holly Springs 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.
Cost of Home Insurance in Holly Springs
In Holly Springs, the average home insurance costs $1,285 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 Holly Springs 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 Holly Springs, North Carolina, if you need $200,000 in dwelling coverage, you’ll pay an average of $1,113 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 $1,405 in Holly Springs, North Carolina.
|Dwelling Coverage Limits||Average Annual Premium (incl. Windstorm & Hail Coverage)|
|$100,000.00 - $199,999.00||$816.15|
|$200,000.00 - $299,999.00||$1,112.59|
|$300,000.00 - $399,999.00||$1,254.13|
|$400,000.00 - $499,999.00||$1,404.92|
|$500,000.00 - $599,999.00||$1,558.79|
Holly Springs 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 Square Footage Affects Your Holly Springs 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 Holly Springs, Noth Carolina, based on the size of your home.
How Different Insurance Carriers in Holly Springs 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 Holly Springs, the least expensive carrier is SageSure, and on average, Holly Springs residents pay $995 a year. Here is a breakdown of the 4 most popular carriers in Holly Springs and how their averages differ.
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!
Zip Codes in Holly Springs We Insure
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.