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

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Finding Affordable Kannapolis Home Insurance Made Simple

At TGS Insurance Agency, we leverage our relationships with several top-rated carriers to find you the best coverage and prices. Our online quoting tool makes getting a home insurance quote easier and faster than ever- all we need is your address! Our agents are ready to review your quote to assure you are getting the coverage you need and not overpaying for coverage you don’t.  

We shop, and you save time and money; it really is that easy.


What Does Kannapolis Home Insurance Cover?=

Most home insurance policies include some level of the following types of coverage. 

Coverage Acovers damages to your home
Coverage Bcovers damages to additional structures on your property such as detached garages, sheds, or fences
Coverage Ccovers damage to personal property such as furniture, electronics, and clothes
Coverage Dcovers additional living expenses if your home becomes uninhabitable due to a covered loss
Coverage Ecovers personal liability including coverage for claims arising from accidents on your property
Coverage Fcovers medical expenses for injuries occurring on your property for those outside of your household

When it comes to home insurance in Kannapolis, there’s no shortage of options. A standard policy typically covers a variety of losses, including damage caused by weather, theft, and accidents. But not all policies are created equal. That’s why it’s important to work with a knowledgeable agent who can help you navigate the complexities of home insurance and tailor your coverage to fit your needs. Whether you need more protection for your personal belongings or additional liability coverage, we’ve got you covered.


What is the Cost of Home Insurance in Kannapolis, North Carolina?

Your home insurance policy is crafted to fit your needs as a homeowner and protect your home. Your specific policy will look different from anybody else’s since it is built to protect your home and belongings. Look at how Kannapolis compares to other averages. 

National Average: $1,477

North Carolina Average: $1,215

Kannapolis, North Carolina Average: $947

Your home insurance premium can vary from these averages, but it is always good to compare. If your current homeowners insurance policy is much less expensive than the city average, you may not have enough coverage and be underinsured. If you pay much more than these averages, you could simply be overpaying for home insurance. 


Average Home Insurance Quotes in Kannapolis 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


Kannapolis 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. 


Does My ZIP Code Affect Home Insurance Premiums in Kannapolis?

Insurance carriers look at more than your home state when pricing your premium- they can get as specific as your ZIP Code. For example, in North Carolina, when you are closer to the coast, you may experience higher annual premiums because of your risks of perils like flooding and hurricanes. In Kannapolis, the ZIP code 28023 is the area with the lowest premium of $758 for TGS customers. The ZIP code with the highest premium is 28081, costing TGS customers an average of $962 a year. 

Average Annual Premium by ZIP Code in Kannapolis, NC


Kannapolis 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 Kannapolis is SageSure. TGS customers in Kannapolis pay an average of $747 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 $877 for TGS Insurance customers. Here is a breakdown of the different carriers used in Kannapolis

Average Annual Premium in Kannapolis, NC by Carrier


Zip Codes in Kannapolis We Insure

  • 28023
  • 28081
  • 28083

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 Kannapolis' Premier Home Insurance Provider

Kannapolis neighborhood

Kannapolis, North Carolina, is known for many things. In Kannapolis’ downtown, there is the Gem Theatre, N.C. Music Hall and the Dale Earnhardt Tribute. As you can tell from the attractions, the city is rich in motorsport and music history. Exactly what you expect from a family-oriented southern town! Kannapolis is also close to an Amtrak station, so traveling up and down the east coast is a breeze.

Kannapolis neighborhood

TGS Insurance Agency is committed to being one of Kannapolis's premier independent insurance agencies. As an independent agency, we represent 35+ top-rated insurance carriers, which allows us to offer comprehensive insurance options to meet your every need.

Key Home Statistics in Kannapolis


Total Population in Kannapolis, NC


Average Home Value in Kannapolis, NC


Median Household Income in Kannapolis, NC


Median Age in Kannapolis, NC

Major Neighborhoods in Kannapolis, NC

Image of Royal Oaks Neighborhood

Royal Oaks

Just south of downtown, Royal Oaks is a great neighborhood with single-family homes. It has easy access to restaurants, downtown shops, and entertainment.

Image of Shady Brook Neighborhood

Shady Brook

East of downtown, Shady Brook features single-family homes and gorgeous landscaping. The affordability of real estate in Kannapolis is part of the area's appeal!

Image of Kellswater Bridge Neighborhood

Kellswater Bridge

Kellswater Bridge is an upscale subdivision that offers large, new homes with energy-efficient features. Residents enjoy a clubhouse with pools, sports courts, playgrounds, and landscaped common areas.

Local Home Resources in Kannapolis, NC

Police Departments
Police Dept-Investigations316 S Main St
Kannapolis, NC 28083