Save On Home Insurance in Kitty Hawk, NC | TGS Insurance Agency

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Kitty Hawk, NC

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Homeowners Insurance  »  North Carolina  »  

Kitty Hawk

Comparison Shop Home Insurance in Kitty Hawk from Multiple Carriers Instantly!

Being an independent insurance agency means we shop and compare the best Kitty Hawk 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! 


Kitty Hawk 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 going through repairs.


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

National Average: $1,477

North Carolina Average: $1,215

Kitty Hawk, North Carolina Average: $3,599

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 Cost of Kitty Hawk 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 due to a covered event. 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 TGS customers with a $200,000 dwelling coverage limit, their premium averages at $3,154 per year. 

Dwelling Coverage LimitsAverage Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00$2,429.16
$200,000.00 - $299,999.00$3,153.61
$300,000.00 - $399,999.00$3,907.18
$400,000.00 - $499,999.00$4,647.25

Does the Size of My Kitty Hawk Home Affect My Insurance Rates?

The size of your home is a factor in your home insurance cost. Larger homes with more square footage often have more belonging inside, which is inherently more expensive to replace if they were to be destroyed by a covered peril. Also, your home’s size directly correlates to your home’s replacement cost, severely influencing the amount you will pay in homeowners insurance. 

In Kitty Hawk, North Carolina, houses over 2,500 square feet will cost you an average of $4,935 annually. Houses under 2,500 square feet have an average annual premium of $3,026 per year.

how home size affects insurance premiums in kitty hawk nc


Cheapest Kitty Hawk Home Insurance Carrier

Homeowners in Kitty Hawk, North Carolina, all want the same thing- an excellent home insurance policy that doesn’t break the bank. Cost is one of the most influential things people look at when purchasing insurance, next to the amount of coverage. This is why homeowners must compare and shop their policies across multiple carriers! Insurance carriers set their rates, so your premium could vary across multiple carriers with the same coverage. Our two most affordable (and popular) insurance providers in Kitty Hawk, North Carolina, are Hippo and Homeowners of America. On average, TGS Insurance customers in Kitty Hawk, North Carolina, pay $3,068 for Hippo annually and $4,131 for Homeowners of America.

chart of kitty hawk home insurance quotes by carrier


Zip Codes in Kitty Hawk We Insure

  • 27949

Don’t see your zip code? Not a problem! We can help homeowners throughout North Carolina find the best home coverage for their needs. Start with a free instant quote by providing your address above. 

TGS Insurance is Kitty Hawk's Premier Home Insurance Provider

Kitty Hawk neighborhood

A popular town in Dare County, Kitty Hawk, North Carolina, got its name from Algonquian-speaking tribes calling it chickenhauk- eventually evolving into its name today. Being part of the outer banks, this town has a rich history of being a port city and helping shape our country’s history.

Kitty Hawk neighborhood

At TGS Insurance Agency, we only work with the finest insurance carriers, so Kitty Hawk residents can consistently expect a comprehensive homeowners insurance policy at a low cost. As an independent agency with thousands of happy customers, partnerships with 35+ carriers, and exceptional customer service, we win business from Kitty Hawk locals daily.

Key Home Statistics in Kitty Hawk


Total Population in Kitty Hawk, NC


Average Home Value in Kitty Hawk, NC


Median Household Income in Kitty Hawk, NC


Median Age in Kitty Hawk, NC

Major Neighborhoods in Kitty Hawk, NC

Image of Seascape Neighborhood


Seascape is a golf community. Residents in Seascape enjoy golfing just as much as they enjoy the beach views. Seascape also has a pool and easy access to the beach.

Image of Kitty Hawk Estates Neighborhood

Kitty Hawk Estates

Kitty Hawk Estates is a perfect community for raising a family or for a vacation home. This area is the hub of the town, surrounded by grocery stores, local schools, and unique shops.

Image of Martin’s Point Neighborhood

Martin’s Point

Martin’s Point is a gated neighborhood that is safe and private, making this a great place for families and seniors. Residents love to embark on the beach to witness those stunning views.

Local Home Resources in Kitty Hawk, NC

Fire Departments
Kitty Hawk Fire DeptPO Box 549
Kitty Hawk, NC 27949
Police Departments
Kitty Hawk Police AdminPO Box 598
Kitty Hawk, NC 27949