Save On Home Insurance in Morehead City, NC | TGS Insurance Agency

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Morehead City, NC

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Homeowners Insurance  »  North Carolina  »  

Morehead City

Getting a Morehead City Home Insurance Quote is as Easy as 1-2-3!

Getting the best homeowner’s insurance in Morehead City is easy when you use TGS Insurance’s proprietary online quoting tool for a free, no-obligation quote. Did we mention it only takes 15 seconds?

  1. Enter your address
  2. View your quote 
  3. Customize your coverage with the guidance of one of our expert independent agents


 Morehead City 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


 What is the Average Cost of Home Insurance in Morehead City?

In Morehead City, the average cost of home insurance for TGS Insurance customers is $4,671 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 Cost of Morehead City 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 or is destroyed 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 $4,131 per year. 

Dwelling Coverage LimitsAverage Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00$3,264.90
$200,000.00 - $299,999.00$4,130.58
$300,000.00 - $399,999.00$5,207.87
$400,000.00 - $499,999.00$6,245.57


 How Morehead City 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 Morehead City, North Carolina, over 2,500 square feet average at about $6,639 annually to insure. In contrast, houses under 2,500 square feet cost $4,025 to insure a year.



 Who is the Most Popular Home Insurance Carrier in Morehead City, North Carolina?

We want you to find the perfect homeowners insurance in Morehead City, North Carolina. Knowing what the best insurance carriers in your area charge for home insurance is a great way to know if your policy is competitive. We pulled together some data from TGS customers in your area and found that Hippo is the most popular in Morehead City. People with Hippo pay an average of $4,009 annually. Another popular carrier in Morehead City is Homeowners of America. Homeowners of America’s rates differ slightly from Hippo, with an average cost of $5,333 annually. 

Carrier averages in Morehead City


 Zip Codes in Morehead City TGS Insurance Covers

  • 28557

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

TGS Insurance is Morehead City's Premier Home Insurance Provider

Morehead City neighborhood

Morehead City, North Carolina, is in Carteret County. This area of North Carolina is in the coastal part of the state. With a population of over 9,556 people, Morehead City is a small port city. The main export of this port is phosphate. Locals love the modern artful culture and historical roots of this beautiful town.

Morehead City neighborhood

When choosing an insurance agency for your Morehead City home insurance needs, you want a company you can trust. TGS Insurance Agency is an independent insurance agency committed to being that for you. We do not work for an insurance company; we work for you!

Key Home Statistics in Morehead City


Total Population in Morehead City, NC


Average Home Value in Morehead City, NC


Median Household Income in Morehead City, NC


Median Age in Morehead City, NC

Major Neighborhoods in Morehead City, NC

Image of Atlantic Harbor Neighborhood

Atlantic Harbor

Situated along the waterfront, Atlantic Harbor offers breathtaking ocean views, water sports, local shops, and a vibrant coastal lifestyle in Morehead City, North Carolina.

Image of Bay Colony Neighborhood

Bay Colony

Perfect for families, Bay Colony offers top-notch schools, family-friendly amenities, and a safe and welcoming environment in Morehead City, North Carolina.

Image of Blair Farm Neighborhood

Blair Farm

Blair Farm is a beloved area in Morehead City. This area is known for its beautiful landscaping and gardening. Residents are seen walking, biking, and enjoying the safety of this neighborhood.

Local Home Resources in Morehead City, NC

Fire Departments
Morehead City Town - Fire Emergency Medical Service Department- Fire Chief & Business Statio706 Arendell St
Morehead City, NC 28557
(252) 247-2611
Police Departments
Highway Patrol5347 Highway 70 W
Morehead City, NC 28557
Highway Patrol5347 Hwy 70 W
Morehead City, NC 28557
Morehead City Police202 S 8th St
Morehead City, NC 28557
Morehead City Police Dept300 N 12th St
Morehead City, NC 28557