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

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Shopping For Cheap Lexington Home Insurance Is Easier Than You Think

As an independent agency, we represent 55+ top-rated insurance carriers, which allows us to offer comprehensive insurance options to meet your every need. The best part? Our highly qualified homeowners insurance agents do the hard work for you, making your home insurance shopping process easy and stress-free. Your savings start with an instant, free quote. Our agents are ready to help you further customize your quote and find any discounts you might qualify for! 

We shop. You Save. Yes, it really is that easy.


What Does Lexington 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 Lexington, 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 Does Home Insurance Cost in Lexington?

Homeowners insurance in Lexington costs $1,281 a year, or $106.75 a month, for TGS customers. The cost of your home insurance premium will vary based on a few different things. This can be from your credit, location, value of your home, and what year your home was built. It is normal for your home insurance to vary from this average and other numbers you see online. The great thing about it is that you can completely customize your coverage. TGS has helped over 15,000 customers save on their home insurance premiums. To lock in your savings, type your address above for an instant quote! 


Average Lexington 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 Lexington, North Carolina, if you need $200,000 in dwelling coverage, you’ll pay an average of $1,052 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 $1,559 in Lexington, North Carolina


How Lexington Home Insurance is Affected By the Size of Your Home

When it comes to determining the cost of your home insurance, there’s a lot that goes into it. Carriers will look at your home’s age, location, and size- among other things. The size of your home is a factor because it affects your replacement cost. 

If you have a house with higher square footage, your home will be more expensive to rebuild if a total covered loss damages it. If you think about it, a larger house requires more building materials, time, and manpower to rebuild from the ground up. It goes the other way for smaller homes. If you have less house to rebuild, your home insurance premium will be lower. 

Looking at the numbers, houses in Lexington, North Carolina, that are over 2,000 square feet average about $1,530 per year to insure. In contrast, houses that are under 2,000 square feet cost $962 to insure a year. 

Average Annual Lexington Home Insurance Quotes by Size

How Does My ZIP Code Affect My Home Insurance?

While some factors regarding your location, such as the probability of severe weather, are calculated at the city or county level. Some factors are analyzed as specifically as your zip code or neighborhood. Since the size and build of your home are usually consistent within neighborhoods, the location of your home plays a significant role in determining your risk of covered perils. In Lexington, the ZIP code 27292 is the area with the lowest premium of $1,246 for TGS customers. The ZIP code with the highest premium is 27295, costing TGS customers an average of $1,315 a year. 

Home insurance prices by ZIP Code in Lexington, NC

Best Lexington Home Insurance Carriers

Knowing who will give you a competitive premium in your area is a big part of choosing your home insurance. Among TGS customers, the most popular carrier in Lexington is SageSure. The average annual premium with SageSure is $954. 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 Lexington based on the insurance provider.

Average Lexington Home Insurance Quote by Carrier


Zip Codes in Lexington TGS Insurance Covers

  • 27292
  • 27295

Don’t see your zip code? We’ve got you covered! We make shopping for the best home insurance easy and hassle-free for all residents throughout North Carolina. Get started today with a free, instant quote!

TGS Insurance is Lexington's Premier Home Insurance Provider

Lexington neighborhood

Lexington, North Carolina, is the barbecue capital of the world! Some people may not believe it, but because of the long heritage of “Lexington style” barbecue, they fight for this title with few other cities in the U.S. There is also a large group of championship-winning NASCAR drivers that reside and practice in Lexington.

Lexington neighborhood

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

Key Home Statistics in Lexington


Total Population in Lexington, NC


Average Home Value in Lexington, NC


Median Household Income in Lexington, NC


Median Age in Lexington, NC

Major Neighborhoods in Lexington, NC

Image of Westover Hills Neighborhood

Westover Hills

Westover Hills is a small part of Lexington, outside of Winston-Salem. This area has a lot of local restaurants and shops for residents to enjoy.

Image of Woodcrest Neighborhood


Woodcrest is an established area in Lexington, North Carolina. It features modest homes that have retained their residents. It has a great sense of community.

Image of Whitesmith Neighborhood


Whitesmith is a neighborhood on the north side of Lexington, NC. It is conviently located next to Northside Park where residents love to enjoy the outdoors.

Local Home Resources in Lexington, NC

Fire Departments
Central Fire Dept572 Becks Church Rd
Lexington, NC 27292
(336) 248-4320
Farmer Fire DepartmentOld Nc Highway 109
Lexington, NC 27239
(336) 857-2626
Midway Volunteer Fire & Rescue Department228 Midway School Rd
Lexington, NC 27295
(336) 764-0920
Reeds Fire Dept186 S Nc-150
Lexington, NC 27295
(336) 787-5565
Southmont Fire Dept11030 NC-8
Lexington, NC 27292
(336) 798-1111
Triangle Fire Dept2976 Greensboro St Ext
Lexington, NC 27295
(336) 248-4500
Police Departments
Lexington Police Chief106 N Main St
Lexington, NC 27292
Lexington Police Department106 N Main St
Lexington, NC 27292
Lexington Police Dept106 N Main St
Lexington, NC 27292