Save On Home Insurance in Holly Springs, NC | TGS Insurance Agency

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Homeowners Insurance  »  North Carolina  »  

Holly Springs

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 LimitsAverage 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 the size of your Holly Springs House affects your home insurance.

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.

Average home insurance price by carrier in Holly Springs


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

  • 27540

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 Holly Springs' Premier Home Insurance Provider

Holly Springs neighborhood

In Holly Springs, North Carolina, it's easy to tell where its’ name came from. This quaint town of around 40,000 people is covered in 40-foot holly trees that shade freshwater springs. Enjoying the outdoors isn’t the only thing to do in this town. Holly Springs natives also love to shop and dine in their eclectic downtown.

Holly Springs neighborhood

When choosing an insurance agency for your Holly Springs 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 Holly Springs


Total Population in Holly Springs, NC


Average Home Value in Holly Springs, NC


Median Household Income in Holly Springs, NC


Median Age in Holly Springs, NC

Major Neighborhoods in Holly Springs, NC

Image of Holly Glen Neighborhood

Holly Glen

Just minutes away from the Holly Springs Town Center and the Research Triangle, you will find Holly Glen. The residents love the location and nearby lake.

Image of Arbor Creek Neighborhood

Arbor Creek

Arbor Creek features a self-sufficient neighborhood with commercial real estate in the front, and home sin the back. Everyday necessities are just minutes away.

Image of Sunset Oaks Neighborhood

Sunset Oaks

Sunset Oaks is is an area in Holly Springs that is lnow for its great reputation, awesome location and aesthetic atmosphere. There are also top-rated schools nearby.

Local Home Resources in Holly Springs, NC

Fire Departments
Center Rural Fire Dept141 Blalock St
Holly Springs, NC 27540
(704) 474-3306
Holly Springs Fire Dept700 Flint Point Ln
Holly Springs, NC 27540
(919) 552-1958
Holly Springs Fire Station 21140 Avent Ferry Rd
Holly Springs, NC 27540
(919) 552-6522