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

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Kinston, NC

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Comparison Shop Home Insurance in Kinston from Multiple Carriers Instantly!

Being an independent insurance agency means we shop and compare the best Kinston homeowners insurance options on your behalf to find you the best combination of cost and coverage. You’ll love doing business with us if you want an easier insurance experience. 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! 


Kinston Home Insurance Coverage

The beauty of home insurance is that it can be tailored to fit you and your situation. Typically, a standard home insurance policy covers the following:

  • Coverage for your home and other structures on your property, like detached garages
  • Coverage for your belongings inside your home, like clothes and furniture
  • Liability coverage for guests that may be injured on your property
  • It covers additional living expenses if you need temporary lodging while your home is being repaired


What is the Cost of Home Insurance in Kinston, 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 Kinston compares to other averages. 

National Average: $1,477

North Carolina Average: $1,215

Kinston, North Carolina Average: $1,937

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. You could be overpaying for home insurance if you pay much more than these averages. 


Average Kinston Home Insurance Cost By Coverage Level

Dwelling coverage is a fundamental element of home insurance that protects the physical structure of your home against covered hazards. The intention is to cover the expenses of repairing or rebuilding your home if it is damaged or destroyed due to a covered event. The amount of dwelling coverage needed depends on the cost of rebuilding your home. Your home insurance covers the policy limit- which is coverage for up to a specified dollar amount. It is critical to ensure that your dwelling coverage limit is sufficient to cover the cost of rebuilding your home in case of a complete loss. Dwelling coverage limits can significantly impact home insurance premiums, with higher limits resulting in higher premiums since the insurance company is assuming more risk.

In Kinston, North Carolina, if you need $200,000 in dwelling coverage, you’ll pay an average of $1,965 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 $2,982 in Kinston, North Carolina

Dwelling Coverage LimitsAverage Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00$1,352.75
$200,000.00 - $299,999.00$1,964.84
$300,000.00 - $399,999.00$2,477.23
$400,000.00 - $499,999.00$2,981.64


Kinston 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 are looking for ways to keep your premiums low, stay up to date on home maintenance and replace older systems in your home. 


Does My ZIP Code Affect Home Insurance Premiums in Kinston?

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 Kinston, the ZIP code 28501 is the area with the lowest premium of $1,858 for TGS customers. The ZIP code with the highest premium is 28504, costing TGS customers an average of $2,003 a year. 

Home insurance cost by ZIP Code in Kinston, NC

Kinston 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 Kinston is SageSure. TGS customers in Kinston pay an average of $1,253 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 $1,977 for TGS Insurance customers. Here is a breakdown of the different carriers used in Kinston

Average Kinston Home Insurance Quote by Carrier


Kinston Zip Codes TGS Insurance Agency Covers

  • 28501
  • 28504

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 Kinston's Premier Home Insurance Provider

Kinston neighborhood

Kinston, North Carolina, is known as “Magic Mile” because, in the 1970s, Carolinians came from all over to enjoy the shops, hear live music, and eat locally. Back in the 60s, it was rumored to have sold more records per capita than any other city in the U.S. Music holds a special part in Kinston’s history and is honored nowadays by the Kinston Music Park.

Kinston neighborhood

As an independent insurance agency, our commitment is to our client's best interests. TGS Insurance Agency is committed to finding Kinston residents home insurance options to meet their every need at a competitive price coupled with exceptional customer service.

Key Home Statistics in Kinston


Total Population in Kinston, NC


Average Home Value in Kinston, NC


Median Household Income in Kinston, NC


Median Age in Kinston, NC

Major Neighborhoods in Kinston, NC

Image of West Haven Neighborhood

West Haven

West Haven is a small neighborhood in Kinston, NC. It has mostly single-family homes and features local shopping, and dining nearby.

Image of Hardee Heights Neighborhood

Hardee Heights

Hardee heights is a popular neighborhood in Kinston, North Carolina. It has mostly single-family homes and a great community feel.

Image of Centennial Arms  Neighborhood

Centennial Arms

Centennial Arms is a quaint area of Kinston, North Carolina. It highlights the small town feel of the area and has excellent schools.

Local Home Resources in Kinston, NC

Fire Departments
Hugo Fire Dept274 Tilghman Mill Rd
Kinston, NC 28501
(252) 527-5800
Lenoir County - Emergency Services- Fire Marshal130 S Queen St
Kinston, NC 28501
(252) 559-6125
North Carolina State - N C Forest Service- Fire Tower260 Cobb Rd
Kinston, NC 28501
(252) 520-2400
North Lenoir Volunteer Fire Department2147 Fred Everett Rd
Kinston, NC 28504
(252) 520-9250
Police Departments
Kinston Police DeptPo Box 339
Kinston, NC 28502
Kinston Police Investigative205 E King St
Kinston, NC 28504
Kinston Police Patrol DivPO Box 339
Kinston, NC 28504
Kinston Police Patrol DivPo Box 339
Kinston, NC 28502
Lenoir Cnty Sheriff Civil Div130 S Queen St
Kinston, NC 28504
Lenoir County Sheriff DeptPo Box 3289
Kinston, NC 28502