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

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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 LimitsAverage 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.

Average Annual Kernersville, NC Home Insurance Premium by square footage


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.

Average Home Insurance Quote in Kernersville by carrier


Kernersville Zip Codes TGS Insurance Agency Covers

  • 27284

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.


TGS Insurance is Kernersville's Premier Home Insurance Provider

Kernersville neighborhood

Kernersville, North Carolina, is the largest suburb outside Winston-Salem. Residents love Kernersville for the rich history and tradition that is etched into the town. It is home to Korner’s Folly- the home of Jule Gilmer Korner, an artist, and designer. This museum has 22 rooms and is open to tourists. Another great thing about Kernersville is its parks and outdoor activities. Residents enjoy golfing and picnicking around the town.

Kernersville neighborhood

TGS Insurance Agency is committed to being one of Kernersville'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 Kernersville


Total Population in Kernersville, NC


Average Home Value in Kernersville, NC


Median Household Income in Kernersville, NC


Median Age in Kernersville, NC

Major Neighborhoods in Kernersville, NC

Image of Talleys Crossing Neighborhood

Talleys Crossing

Talleys Crossing is a family friendly neighborhood in Kernersville with 1 in 4 homes having over 2 children. It is an upper-middle class area with excellent schools and parks.

Image of Kernersville North Neighborhood

Kernersville North

This is a neighrborhood with a great sense of community and beuatiful homes. This area has some of the lowest poverty numbers in the country. It is an upper-middle class area with wondferful schools.

Image of Kernersville West Neighborhood

Kernersville West

This is a middle-class area in Kernersville, NC. It features well-rated schoolds, nice outdoor recreation areas and a friendly atmosphere.

Local Home Resources in Kernersville, NC

Fire Departments
Beeson Cross Road's Volunteer1105 Old Salem Rd
Kernersville, NC 27284
(336) 996-4681
Fire Department - Piney Grove Volunteer Fire Dept- Business1109 Piney Grove Rd
Kernersville, NC 27284
(336) 993-5721
Kernersville Fire Department400 E Bodenhamer St
Kernersville, NC 27284
(336) 996-4885
Kernersville Town - Fire Marshal- Fire Department- Inspection Services- Fire Inspect134 E Mountain St
Kernersville, NC 27284
(336) 996-6791
Police Departments
Kernersville Police Chief134 E Mountain St
Kernersville, NC 27285
Kernersville Police Chief134 E Mountain St
Kernersville, NC 27284
Kernersville Police DeptPO Box 728
Kernersville, NC 27285
Kernersville Police Record DivPo Box 728
Kernersville, NC 27285