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

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Shopping For Cheap Salisbury 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.


Salisbury 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 could have an injury occur 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 Salisbury?

In Salisbury, the average cost of home insurance for TGS Insurance customers is $1,016 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 Home Insurance Quotes in Salisbury 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$711.09
$200,000.00 - $299,999.00$1,018.94
$300,000.00 - $399,999.00$1,272.78
$400,000.00 - $499,999.00$1,541.11
$500,000.00 - $599,999.00$1,786.27


Does the Size of My Salisbury Home Affect My Insurance Rates

The size of your home is a factor in your home insurance cost. Larger homes with more square footage often have more belonging inside, which is inherently more expensive to replace if they were to be destroyed by a covered peril. Also, your home’s size directly correlates to your home’s replacement cost, severely influencing the amount you will pay in homeowners insurance. 

In Salisbury, North Carolina, houses that are over 2,000 square feet will cost you an average of $1,389 per year. Houses that are under 2,000 square feet have an average annual premium of $896 per year.


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 Salisbury, the ZIP code 28147 is the area with the lowest premium of $1,010 for TGS customers. The ZIP code with the highest premium is 28144, costing TGS customers an average of $1,022 annually. 


Compare Salisbury Home Insurance Premiums By Carrier

The price is often the most influential factor when considering a home insurance policy. Because each carrier sets its rates, sometimes the same type of coverage can vary in price among different carriers. Two of our most popular carriers in Salisbury are SageSure and Travelers. Home insurance quotes from TGS Insurance for SageSure average $782 annually. Home insurance quotes for Travelers run more expensive at $949 per year. 

When picking the right home insurance carrier, many factors are involved. You want to make sure the carrier you choose is right for you! Here are some questions to ask yourself when picking a home insurance carrier. 

  • What is their price for the coverage I want?
  • What are the company’s history and reputation?
  • Have you heard anything about the company?
  • Do they offer the coverage I am looking for? 
  • Are there discounts available?
  • Is it easy and convenient to work with them?

At TGS Insurance Agency, we work with over 55+ ‘A-rated’ home insurance carriers to help you make the right decision for your home. Use these questions and call one of our agents to find the right fit for you.


Zip Codes in Salisbury We Insure

  • 28144
  • 28146
  • 28147

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 Salisbury's Premier Home Insurance Provider

Salisbury neighborhood

Salisbury, North Carolina, is home to over 15 local and national historic districts. Salisbury was a frontier town that served as a stopping point for many historical figures like George Washington and Andrew Jackson. Salisbury is located between Charlotte and Greensboro, making it an easy access point for anyone visiting this historically rich town.

Salisbury neighborhood

At TGS Insurance, we are committed to our clients' best interests. As an independent insurance agency, we do all we can to find Salisbury 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 Salisbury


Total Population in Salisbury, NC


Average Home Value in Salisbury, NC


Median Household Income in Salisbury, NC


Median Age in Salisbury, NC

Major Neighborhoods in Salisbury, NC

Image of Historic District Neighborhood

Historic District

The Historic District is an area in Salisbury with well-preserved homes from the 19th and early 20th centuries. The area is known for its beautiful architecture and walkability.

Image of Country Club Hills Neighborhood

Country Club Hills

Country Club Hills is an upscale neighborhood in Salisbury that offers high-end homes and a range of amenities, including a golf course, clubhouse, and pool.

Image of West Square Neighborhood

West Square

The West Square Historic District is a beautiful Salisbury neighborhood with a variety of homes. The area is known for its stunning architecture and proximity to downtown Salisbury.

Local Home Resources in Salisbury, NC

Fire Departments
Bostian Heights Volunteer Fire8211 Old Concord Rd
Salisbury, NC 28146
(704) 857-0208
East Spencer Volunteer Fire Department201 S Long St
Salisbury, NC 28144
(704) 637-3280
Franklin Township Volunteer Fire Department4370 US-601
Salisbury, NC 28147
(704) 636-8634
Liberty VOL Fire Department - Station8000 Bringle Ferry Rd
Salisbury, NC 28146
(704) 633-8884
Miller Ferry Fire Department2650 Long Ferry Rd
Salisbury, NC 28146
(704) 637-1286
Salisbury Fire Dept1604 W Innes St
Salisbury, NC 28144
(704) 638-5353
Salisbury Fire Dept2325 Statesville Blvd
Salisbury, NC 28147
(704) 638-5354
Police Departments
NC State Highway Patrol5780 S MAIN ST
SALISBURY, NC 28147-9396
Police Dept-Svc Commander130 E Liberty St
Salisbury, NC 28147
Police Dept-svc Commander130 E Liberty St
Salisbury, NC 28144
Rowan Cnty Sheriff Office232 N Main St
Salisbury, NC 28144
Salisbury Police Crimestoppers130 E Liberty St
Salisbury, NC 28144
Salisbury Police DeptPO Box 421
Salisbury, NC 28145