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

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Getting a Raleigh Home Insurance Quote Has Never Been Easier!

Finding the right Raleigh 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 Raleigh 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 Raleigh, 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 Raleigh?

Homeowner’s insurance for TGS Insurance Agency customers in Raleigh, North Carolina, averages $1,224 annually. While the location in Raleigh is a big factor in the price of your insurance, it is not the only thing considered. Because every home insurance policy and house is different, carriers also look at the age of your home, its value, your credit score, and coverage amounts. On average, TGS has saved customers $870 on their home insurance premiums. To lock in your savings, type your address above for an instant quote!

Average Homeowners Insurance Cost by Coverage Level in Raleigh

The cost to replace your home is essential to determine the dwelling coverage you need on your home insurance policy; this limit directly impacts your home insurance premium. On top of affecting your average annual costs, having an accurate replacement cost can prevent you from being underinsured if a covered loss takes your entire house. These are the average annual home insurance costs in Raleigh, North Carolina, based on dwelling coverage limits associated with the policy. 

Dwelling Coverage LimitsAverage Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00$774.72
$200,000.00 - $299,999.00$1,104.93
$300,000.00 - $399,999.00$1,347.85
$400,000.00 - $499,999.00$1,603.02
$500,000.00 - $599,999.00$1,863.90
$600,000.00 - $699,999.00$2,113.90

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 Raleigh, the ZIP code 27601 has the lowest average premium of $1,023 for TGS customers. The ZIP code with the highest premium is 27614, costing TGS customers an average of $1,607 annually.


Cheapest Raleigh Home Insurance Carrier

Homeowners in Raleigh, 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 Raleigh, North Carolina, are Travelers and SageSure. On average, TGS Insurance drivers in Raleigh, North Carolina, pay $1,104 for Travelers annually and $931 for Safeco.


Raleigh Zip Codes We Insure


Zip code not listed? Don’t worry! We can help homeowners throughout North Carolina save money on their home insurance. Get started with a free instant quote by providing your address above.

TGS Insurance is Raleigh's Premier Home Insurance Provider

Raleigh neighborhood

Raleigh, the capital of North Carolina, is one of the most vibrant, eclectic cities of the South. Part of North Carolina’s Research Triangle, Raleigh brings its residents a wealth of education, innovation, and technology. The arts and culture of this city helped coined their nickname, “Smithsonian of the South.” No wonder so many people enjoy this unique city!

Raleigh neighborhood

At TGS Insurance, we are committed to our clients' best interests. As an independent insurance agency, we do all we can to find Raleigh residents the best home insurance options. We want you to feel covered without the headache of shopping for policies. We do it for you!

Key Home Statistics in Raleigh


Total Population in Raleigh, NC


Average Home Value in Raleigh, NC


Median Household Income in Raleigh, NC


Median Age in Raleigh, NC

Major Neighborhoods in Raleigh, NC

Image of Brier Creek Neighborhood

Brier Creek

Brier Creek is home to shopping, breweries, and entertainment. With family-friendly amenities like walking trails and parks, it is obvious why people love it here.

Image of Village District Neighborhood

Village District

Founded in 1949, Village District is a historic shopping district and very walkable. It has beuatiful wildlife and greenery that residents enjoy daily.

Image of Wakefield Neighborhood


Wakefield is a high-end residential area outside Raleigh. Self-described as the "pinnacle of luxurious southern living," it has country clubs and beautiful outdoor areas.

Image of Heritage Point Neighborhood

Heritage Point

Just west of downtown Raleigh, Heritage Point is a classic historical neighborhood. Tree-lined streets and natural landscape set the tone for this gorgeous area.

Image of Boylan Heights Neighborhood

Boylan Heights

Boylan Heights is an sought after area because of its historic design, location to metro areas, and beautiful greenery. You can find art galleries and restaurants in this community.

Image of Oakwood Neighborhood


Being Raleighs first historic preservation district, Oakwood is a desirable place to be. It was originally a streetcar suburb and is not a walkable, freindly neighborhood.

Local Home Resources in Raleigh, NC

Fire Departments
Bay Leaf Station 3 Fire Dept1431 Lynn Rd
Raleigh, NC 27612
(919) 848-0021
Bayleaf Fire Dept11713 Six Forks Rd
Raleigh, NC 27614
(919) 847-3858
Durham Highway Fire Dept11905 Norwood Rd
Raleigh, NC 27613
(919) 676-4187
Fire Department Garner503 Main Campus Dr
Raleigh, NC 27606
(919) 772-1550
Fire Dept Training Center105 Keeter Center Dr
Raleigh, NC 27601
(919) 831-6395
New Hope Volunteer Fire4415 Saint James Church Rd
Raleigh, NC 27604
(919) 876-5882
Occidental Fire & Casualty702 Oberlin Rd
Raleigh, NC 27605
(919) 829-9038
Raleigh Fire Department310 W Martin St
Raleigh, NC 27601
Raleigh Fire Dept Station10440 Fossil Creek Ct
Raleigh, NC 27617
(919) 806-5852
State Fire Commission111 Seaboard Ave
Raleigh, NC 27604
(919) 733-5585
Wake Forest Fire Dept99187 PO Box
Raleigh, NC
(919) 556-1966
Western Wake Fire Dept4021 District Dr
Raleigh, NC 27607
(919) 834-3745
Police Departments
Capitol Police417 N Salisbury St
Raleigh, NC 27699
Highway Patrol4702 Mail Service Ctr
Raleigh, NC 27699
Nc Highway Patrol Training Center3318 Garner Rd
Raleigh, NC 27610
NC Highway Patrol Training Ctr3318 Garner Rd
Raleigh, NC 27699
Nc Highway Patrol Training Ctr3318 Garner Rd
Raleigh, NC 27610
Nc Hwy. Patrol Training Ctr3318 Garner Rd
Raleigh, NC 27610
Raleigh Police Department222 W Hargett St
Raleigh, NC 27601
Raleigh Police Department218 W Cabarrus St
Raleigh, NC 27601
Raleigh Police DeptPO Box 590
Raleigh, NC 27699
Raleigh Police Dept6716 Six Forks Rd # 100
Raleigh, NC 27615
Raleigh Police Dept6716 Six Forks Rd Ste 100
Raleigh, NC 27615
Raleigh Police Dept.4501 Atlantic Ave Ste 124
Raleigh, NC 27604
Raleigh Police Dept.6716 Six Forks Rd Ste 100
Raleigh, NC 27615
State Capitol Police417 N Salisbury St
Raleigh, NC 27603
State Highway Patrol Troop1831 Blue Ridge Rd
Raleigh, NC 27607
State hwy patrol-troop1831 blue ridge rd
Raleigh, NC 27699
Wake County Sheriff's Office330 S SALISBURY ST
RALEIGH, NC 27601-1729
Wake County Sheriff's Office330 S Salisbury St
Raleigh, NC 27699