Getting a Pinehurst Home Insurance Quote is as Easy as 1-2-3!
Getting the best homeowner’s insurance in Pinehurst 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?
- Enter your address
- View your quote
- Customize your coverage with the guidance of one of our expert independent agents
Pinehurst 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 Does Home Insurance Cost in Pinehurst?
Homeowners insurance in Pinehurst costs $1,569 a year, or $130.75 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 Cost of Pinehurst 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 $1,287 per year.
|Dwelling Coverage Limits||Average Annual Premium (incl. Windstorm & Hail Coverage)|
|$100,000.00 - $199,999.00||$888.50|
|$200,000.00 - $299,999.00||$1,287.30|
|$300,000.00 - $399,999.00||$1,564.86|
|$400,000.00 - $499,999.00||$1,876.46|
Pinehurst Home Insurance Quotes and Your Home’s Age
Many factors go into calculating your home insurance premium, including your home’s age. Typically, older homes are more expensive to insure because their structure and other components tend to be outdated (Ex. using galvanized piping instead of PEX) and experienced years of all-around wear and tear.
Age is not the only influencing factor for your home insurance premium. Carriers look at a variety of other things, including:
- Attractive nuisances
- Pet breeds
- Claims history
- Credit score
- Crime rate
- Marital status
- Replacement cost
- And much more!
Best Pinehurst 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 Pinehurst is Travelers. The average annual premium with Travelers is $1,467. Other popular carriers are SageSure and SafePort. 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 Pinehurst based on the insurance provider.
Pinehurst Zip Codes TGS Insurance Agency Covers
If your zip code is not listed, fret not! We have access to amazing rates for homeowners all across North Carolina. Simply enter your address above to get started with a free instant quote.