Save On Home Insurance in Indian Trail, NC | TGS Insurance Agency

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Homeowners Insurance  »  North Carolina  »  

Indian Trail

Shopping For Cheap Indian Trail Home Insurance Is Easier Than You Think

As an independent agency, we represent 55+ top-rated insurance carriers, which allows us to offer comprehensive insurance options to meet your every need. The best part? Our highly qualified homeowners insurance agents do the hard work for you, making your home insurance shopping process easy and stress-free. Your savings start with an instant, free quote. Our agents are ready to help you further customize your quote and find any discounts you might qualify for! 

We shop. You Save. Yes, it really is that easy.


Indian Trail Home Insurance Coverage: The Basics

If you’re like most homeowners in Indian Trail, your home is your most valuable asset, and you should protect it as such. It’s important to understand that when you create your home insurance policy, it should meet your individual needs. Insurance companies offer different levels of coverage, endorsements, and protections with varying conditions and limitations that enable policies to be customized. With that in mind, the most common types of coverage you will see on a homeowners insurance policy include: 

  • Dwelling coverage for the structure of your home.
  • Other structures coverage is for structures not attached to your home, like detached garages, sheds, and fences.
  • Personal property coverage for replacing and repairing furniture, electronics, clothing, etc.
  • Loss of use coverage for additional living expenses if you need to stay somewhere else while your home is being repaired.
  • Personal liability coverage for legal bills if someone gets injured on your property or you cause damage and get sued.
  • Medical payment coverage helps cover medical expenses for nonhousehold members injured on your property.


How Much is Home Insurance in Indian Trail, North Carolina?

Indian Trail home insurance costs an average of $1,237 per year for TGS Insurance customers. This average is factored with policies with a 2% wind and hail coverage deductible and an average home value of $343,360. The cost of your home insurance premium will vary based on a few different things. This can be your credit, where you live, how much your house is worth, and the age of your home. Our instant home quote tool shops for you to find the best rates with just your address. After your instant quote, connect with one of our agents to further customize your coverage!


Average Home Insurance Quotes in Indian Trail by Coverage Level

Dwelling coverage is a critical aspect of home insurance that protects your home’s physical structure from covered hazards. Typically, your home insurance policy provides coverage up to a specified dollar amount, known as the policy limit. Ensuring that your dwelling coverage limit is sufficient to rebuild your home in the event of a total loss is critical. Since the insurance company assumes more risk, dwelling coverage limits may significantly impact home insurance premiums, with higher limits resulting in higher premiums. Below is a breakdown of the average home insurance premium based on dwelling coverage limits.

Dwelling Coverage LimitsAverage Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00$735.60
$200,000.00 - $299,999.00$1,071.22
$300,000.00 - $399,999.00$1,282.05
$400,000.00 - $499,999.00$1,447.96
$500,000.00 - $599,999.00$1,631.10


How Indian Trail Home Insurance is Affected By the Size of Your Home

When it comes to determining the cost of your home insurance, there’s a lot that goes into it. Carriers will look at your home’s age, location, and size- among other things. The size of your home is a factor because it affects your replacement cost. 

If you have a house with higher square footage, your home will be more expensive to rebuild if a total covered loss damages it. If you think about it, a larger house requires more building materials, time, and manpower to rebuild from the ground up. It goes the other way for smaller homes. If you have less house to rebuild, your home insurance premium will be lower. 

Looking at the numbers, houses in Indian Trail, North Carolina, that are over 2,000 square feet average about $1,399 per year to insure. At the same time, houses that are under 2,000 square feet cost $1,001 to insure a year. 


Indian Trail 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 Indian Trail is SageSure. TGS customers in Indian Trail pay an average of $875 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 $1,124 for TGS Insurance customers. Here is a breakdown of the most popular carriers used in Indian Trail


Indian Trail Zip Codes TGS Insurance Agency Insures

  • 28079

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 Indian Trail's Premier Home Insurance Provider

Indian Trail neighborhood

Indian Trail, North Carolina, is the largest city in Union County. Locals enjoy the Sun Valley entertainment district, where you can see movies, shop, and eat- all within walking distance from each other! They recently renovated their uptown and downtown areas, so there are lots of new stores, restaurants, and architecture to see in Indian Trails.

Indian Trail neighborhood

When choosing an insurance agency for your Indian Trail 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 Indian Trail


Total Population in Indian Trail, NC


Average Home Value in Indian Trail, NC


Median Household Income in Indian Trail, NC


Median Age in Indian Trail, NC

Major Neighborhoods in Indian Trail, NC

Image of Brandon Oaks Neighborhood

Brandon Oaks

Brandon Oaks is a serene, put-together neighborhood in Indian Trail. It features a clubhouse, over 1300 homes, and some necessities nearby, like shopping and entertainment.

Image of Lake Park Neighborhood

Lake Park

Lake Park is a family-friendly neighborhood in Indian Trail, featuring a mix of single-family homes and townhouses. The area offers well-maintained parks and green spaces.

Image of Annandale Neighborhood


Annandale is a high-end neighborhood in Indian Trail that offers upscale homes and a range of amenities, including a clubhouse, pool, and tennis courts.