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

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Shopping For Cheap Lincolnton 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 Lincolnton 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 Lincolnton, 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 is the Average Cost of Home Insurance in Lincolnton?

In Lincolnton, the average cost of home insurance for TGS Insurance customers is $952 per year. While the cost of your policy will depend on several factors, such as the value and age of your home, your location, and your credit score, our agents can help you find the coverage you need at a price you can afford. We’ll work with you to customize your coverage and ensure you’re not sacrificing anything important to save money.


Average Home Insurance Quotes in Lincolnton by Coverage Level

Dwelling coverage is a critical aspect of home insurance that protects your home’s physical structure from covered hazards. Typically, your home insurance policy provides coverage up to a specified dollar amount, known as the policy limit. Ensuring that your dwelling coverage limit is sufficient to rebuild your home in the event of a total loss is critical. Since the insurance company assumes more risk, dwelling coverage limits may significantly impact home insurance premiums, with higher limits resulting in higher premiums. Below is a breakdown of the average home insurance premium based on dwelling coverage limits.

Dwelling Coverage LimitsAverage Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00$715.37
$200,000.00 - $299,999.00$1,000.64
$300,000.00 - $399,999.00$1,226.15
$400,000.00 - $499,999.00$1,432.51


Does the Size of My Lincolnton 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 Lincolnton, North Carolina, houses that are over 2,500 square feet will cost you an average of $1,446 per year. Houses that are under 2,500 square feet have an average annual premium of $909 per year.

Lincolnton Home Insurance Premium By Square Footage


Compare Lincolnton Home Insurance Premiums By Carrier

The price is often the most influential factor when considering a home insurance policy. Because each carrier sets its rates, sometimes the same type of coverage can vary in price among different carriers. Two of our most popular carriers in Lincolnton are SageSure and SafePort. Home insurance quotes from TGS Insurance for SageSure average $712 annually. Home insurance quotes for SafePort run more expensive at $731 per year. 

When picking the right home insurance carrier, many factors are involved. You want to make sure the carrier you choose is right for you! Here are some questions to ask yourself when picking a home insurance carrier. 

  • What is their price for the coverage I want?
  • What are the company’s history and reputation?
  • Have you heard anything about the company?
  • Do they offer the coverage I am looking for? 
  • Are there discounts available?
  • Is it easy and convenient to work with them?

At TGS Insurance Agency, we work with over 55+ ‘A-rated’ home insurance carriers to help you make the right decision for your home. Use these questions and call one of our agents to find the right fit for you.

Lincolnton, NC Home insurance premiums by carrier


Zip Codes in Lincolnton TGS Insurance Covers

  • 28092

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 Lincolnton's Premier Home Insurance Provider

Lincolnton neighborhood

Lincolnton, North Carolina, is in the Piedmont region of the state. This area is well-known for its local restaurants and wineries, like the Southern Charm Winery. With a population of around 11,000, Lincolnton is a great place for families with children because of the highly-rated school districts.

Lincolnton neighborhood

TGS Insurance Agency offers the residents of Lincolnton and the surrounding areas the most comprehensive homeowners insurance coverage in North Carolina, coupled with the industry’s best customer service. Get a free quote today and protect your home from unexpected events.

Key Home Statistics in Lincolnton


Total Population in Lincolnton, NC


Average Home Value in Lincolnton, NC


Median Household Income in Lincolnton, NC


Median Age in Lincolnton, NC

Major Neighborhoods in Lincolnton, NC

Image of Arbor Ridge Neighborhood

Arbor Ridge

Arbor Ridge is an area in Lincolnton, North Carolina that has average-sized homes. The people that live in Arbor Ridge love the friendliness on the neighborhood.

Image of Dogwood Acres Neighborhood

Dogwood Acres

Dogwood Acres is a great place for families to live in Lincolnton, North Carolina. The schools in this area are well-rated and close by.

Image of Landon Heights Neighborhood

Landon Heights

Landon Heights is a growing neighborhood in Lincolnton, North Carolina. There are homes available for sale and lots that you can build your dream home on.

Local Home Resources in Lincolnton, NC

Fire Departments
Boger City Fire Dept410 McAlister Rd
Lincolnton, NC 28092
(704) 735-6046
Howard's Creek Volunteer Fire Department3117 E Highway 27
Lincolnton, NC 28092
(704) 735-9874
Lincoln County Government - Fire Marshall302 N Academy St
Lincolnton, NC 28092
(704) 736-8516
Metrolina Fire & Rescue602 E Main St
Lincolnton, NC 28092
(704) 748-1320
Police Departments
Lincoln County Sheriff's DeptPO Box 506
Lincolnton, NC 28093
Lincoln County Sheriffs Office700 JOHN HOWEL MEMORIAL DR
LINCOLNTON, NC 28092-3151
Lincolnton Police Dept627 E Main St
Lincolnton, NC 28093
Lincolnton Police DeptPo Box 617
Lincolnton, NC 28093