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Shopping For Cheap Matthews 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.

 

Matthews 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

 

How Much is Home Insurance in Matthews, North Carolina?

Matthews’ home insurance costs an average of $1,265 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 $352,594. 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. 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!

 

Home Insurance in Matthews Cost by Dwelling Coverage Limit

Dwelling coverage limits are one of the key factors that insurers consider when setting premiums. You’ll generally pay a higher premium if you choose a high dwelling coverage limit. However, ensuring adequate coverage to protect your home during a loss is important. If you have a mortgage on your home, your lender may require you to have a certain amount of dwelling coverage to protect your investment.

In Matthews, North Carolina, a policy with $200,000-$299,999 in dwelling coverage costs an average of $1,052 per year. However, if your home is worth more, you’ll want more coverage, so homeowners wanting $400,000-$499,999 in dwelling coverage will pay an average of $1,492 in Matthews, North Carolina.

Dwelling Coverage LimitsAverage Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00$726.75
$200,000.00 - $299,999.00$1,051.90
$300,000.00 - $399,999.00$1,269.61
$400,000.00 - $499,999.00$1,491.90
$500,000.00-$599,999.00$1,712.79
$600,000.00-$699,999.00$1,951.17

 

How Square Footage Affects Your Matthews Home Insurance

When you initially chat with your insurance agent about your quote, they will want to know the square footage of every part of your home. They do this because the more square footage you have, the more your house will inevitably cost to rebuild if you lose it due to a covered loss. Rebuild costs- known as replacement cost in the insurance world- are a big part of determining how much you will pay in insurance premiums. Below we have a breakdown of average annual premiums in Matthews, Noth Carolina, based on the size of your home. 

Average Annual Matthews 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 Matthews, the ZIP code 28105 is the area with the lowest premium of $1,215 for TGS customers. The ZIP code with the highest premium is 28104, costing TGS customers an average of $1,340 a year. 

Matthews, NC Home insurance costs differ by ZIP Codes

 

Cheapest Matthews Home Insurance Carrier

Homeowners in Matthews, 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 Matthews, North Carolina, are SageSure and Travelers. On average, TGS Insurance customers in Matthews, North Carolina, pay $898 for SageSure annually and $1,142 for Travelers.

Average Matthews Home Insurance Quote by Carrier

 

Zip Codes in Matthews We Insure

  • 28104
  • 28105

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

TGS Insurance is Matthews' Premier Home Insurance Provider

Matthews neighborhood

Matthews, North Carolina, is a suburb town of Charlotte. Matthews residents are lucky to enjoy a plethora of festivals and special events. There are events for kids, like the Kids Nature Day in Squirrel Lake Park, to art exhibits at the McDowell Arts Center. Downtown, you can find exciting nightlife, delicious restaurants, and shopping. Matthews is a great place to work and play.

Matthews neighborhood

TGS Insurance Agency is committed to being one of the premier independent insurance agencies in Matthews. 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 Matthews

29,429

Total Population in Matthews, NC

$464,348

Average Home Value in Matthews, NC

$96,195

Median Household Income in Matthews, NC

40

Median Age in Matthews, NC

Major Neighborhoods in Matthews, NC

Image of Sardis Woods Neighborhood

Sardis Woods

Sardis Woods is a large subdivision in Matthews, N.C. A lot of young professionals choose to live in Sardis Woods because of the proximity to Charlotte.

Image of Wood Hollow Neighborhood

Wood Hollow

Wood Hollow is an average neighborhood in Matthews, Homes in this area are classic NC homes with southern charm. The area is quiet and well-liked by locals.

Image of Marshbrooke Neighborhood

Marshbrooke

Marshbrook is an area in Matthews that is largely populated by older couples and families. People love this area because it is secluded and quiet.

Local Home Resources in Matthews, NC

Fire Departments
Charlotte Fire Dept2121 Margaret Wallace Rd
Matthews, NC 28105
(704) 537-9341
Police Departments
MATTHEWS POLICE DEPT1201 CREWS RD
MATTHEWS, NC 28106
7048474069
Matthews Police Dept1201 Crews Rd
Matthews, NC 28105
7048474069
Police Information/Records1201 Crews Rd
Matthews, NC 28106
7048451973
Stalling Police DepartmentP.O. BOX 4030
Matthews, NC 281054011
7048210300