Comparison Shop Home Insurance in Kernersville from Multiple Carriers Instantly!
Being an independent insurance agency means we shop and compare the best Kernersville 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; 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!
Kernersville Home Insurance Coverage: The Basics
If you’re like most homeowners in Kernersville, 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 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 is helpful during the repair of your home – giving you additional living expenses coverage if you need to stay somewhere else.
- 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 Kernersville, North Carolina?
Kernersville home insurance costs an average of $990 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 $287,454. 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. Furthermore, 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 Cost of Kernersville Home Insurance by Dwelling Coverage Amount
Typical home insurance includes dwelling coverage which covers the costs of repairing or rebuilding your home if it sustains damage or is destroyed due to a covered event. Therefore, the limit of your dwelling coverage should match the rebuilding cost of your home, and the higher the limit, the more substantial the impact on home insurance premiums since the insurance company bears more risk. For example, TGS customers with a $200,000 dwelling coverage limit, their premium averages at $940 per year.
Dwelling Coverage Limits Average Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00 $662.11
$200,000.00 - $299,999.00 $939.59
$300,000.00 - $399,999.00 $1,112.20
$400,000.00 - $499,999.00 $1,306.13
$500,000.00 - $599,999.00 $1,533.64
How the Size of Your Kernersville Home Affects the Cost of Insurance
Another thing that will affect the cost of your Kernersville home insurance is the size of your home. For example, 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 Kernersville, houses that are over 2,000 square feet cost $1,195 per year. Houses under 2,000 square feet have an average annual premium of $862.
Best Kernersville Home Insurance Carriers
Knowing who will give you a competitive premium in your area is a big part of choosing your home insurance. Consequently, among TGS customers, the most popular carrier in Kernersville is SageSure. The average annual premium with SageSure is $735. Other popular carriers are Travelers and Safeco. Choosing a carrier is more than just the price; however, here at TGS Insurance Agency, we know that price is one of the more important factors. Check out the table below to see the average price for Kernersville based on the insurance provider.
Kernersville Zip Codes TGS Insurance Agency Covers
If your zip code is not listed, fret not! We have access to amazing rates for homeowners all across North Carolina. Simply enter your address above to get started with a free instant quote.