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

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Getting a Monroe Home Insurance Quote Has Never Been Easier!

Finding the right Monroe homeowners insurance can be confusing and time-consuming. TGS Insurance Agency is here to change that. Our expert home insurance agents do the hard work for you, making your home insurance shopping experience easy and stress-free. Getting started is simple; enter your address for a free, no-obligation instant quote, and our helpful team will take it from there!    


What Does Monroe 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 Monroe, 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.


Cost of Home Insurance in Monroe

In Monroe, the average home insurance costs $1,070 per year for TGS Insurance customers. The cost of your home insurance is based on several different factors, including, but not limited to:

  • The value of your home.
  • Where your home is.
  • How old your home is.
  • The number of residents in your home.
  • Your credit score.

These factors set a base for your home insurance, and then you can customize your coverage. The more coverage you choose to have, the more your yearly premium will be. TGS Insurance is here to help you find the best price without sacrificing any coverage you want.


Average Home Insurance Quotes in Monroe 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$735.60
$200,000.00 - $299,999.00$1,071.22
$300,000.00 - $399,999.00$1,282.05
$400,000.00 - $499,999.00$1,447.96
$500,000.00 - $599,999.00$1,631.10


How Square Footage Affects Your Monroe 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 Monroe, Noth Carolina, based on the size of your home. 

Average Annual Home Insurance Quote by Size in Monroe


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 Monroe, the ZIP code 28112 is the area with the lowest premium of $1,052 for TGS customers. The ZIP code with the highest premium is 28110, costing TGS customers an average of $1,077 annually. 

Home Insurance Premium by ZIP Code In Monroe, NC


Best Monroe 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 Monroe is SageSure. The average annual premium with SageSure is $778. 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 Monroe based on the insurance provider.

Monroe Home insurance quote by carrier


Monroe Zip Codes TGS Insurance Agency Insures

  • 28110
  • 28112

Don’t worry if you don’t see your zip code above! We can find incredible rates for homeowners throughout North Carolina.  Enter your address above for a free instant home insurance quote. 

TGS Insurance is Monroe's Premier Home Insurance Provider

Monroe neighborhood

Monroe, North Carolina, is a city of about 35,000 people in Union County. Located southeast of Charlotte, there is easy access to Charlotte-Monore Airport to travel or the opportunity to stay local and have fun! Monroe has a large aerospace industry which grows each year. Monroe’s charming downtown is also frequently used as TV and movie backdrops.

Monroe neighborhood

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


Total Population in Monroe, NC


Average Home Value in Monroe, NC


Median Household Income in Monroe, NC


Median Age in Monroe, NC

Major Neighborhoods in Monroe, NC

Image of Legacy on the Lake Neighborhood

Legacy on the Lake

Legacy on the Lake is an upscale neighborhood in Monroe that offers high-end homes and a range of amenities, including a private lake, clubhouse, and pool.

Image of Stonebridge Neighborhood


Stonebridge is a newer community in Monroe that features a variety of single-family homes and townhouses. The area offers a pool, clubhouse, and walking trails.

Image of The Oaks Neighborhood

The Oaks

The Oaks is a neighborhood in Monroe that offers affordable homes and a family-friendly atmosphere. The area has well-maintained parks and playgrounds.

Local Home Resources in Monroe, NC

Fire Departments
Bakers Volunteer Fire Dept2116 N Rocky River Rd
Monroe, NC 28110
(704) 289-2741
Monroe Fire Dept300 W Crowell St
Monroe, NC 28112
(704) 282-4700
Northeast Fire Department - Station Number 333937 East Nc Highway 150
Monroe, NC 27214
(336) 656-7122
Police Departments
Monroe Police218 E Franklin St
Monroe, NC 28112
Monroe Police Dept218 E Franklin St
Monroe, NC 28112
Union County Sheriff3344 Presson Rd
Monroe, NC 28112