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

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Getting a Shelby Home Insurance Quote Has Never Been Easier!

Finding the right Shelby 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 Shelby 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 Shelby, 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 Shelby

In Shelby, the average home insurance costs $1,033 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.


Home Insurance in Shelby Cost by Dwelling Coverage Limit

Dwelling coverage limits are one of the key factors that insurers consider when setting premiums. You’ll generally pay a higher premium if you choose a high dwelling coverage limit. However, ensuring adequate coverage to protect your home during a loss is important. If you have a mortgage on your home, your lender may require you to have a certain amount of dwelling coverage to protect your investment.

In Shelby, North Carolina, a policy with $200,000-$299,999 in dwelling coverage costs an average of $1,068 per year. However, if your home is worth more, you’ll want more coverage, so homeowners wanting $400,000-$499,999 in dwelling coverage will pay an average of $1,596 in Shelby, North Carolina.

Dwelling Coverage LimitsAverage Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00$740.94
$200,000.00 - $299,999.00$1,067.88
$300,000.00 - $399,999.00$1,306.72
$400,000.00 - $499,999.00$1,595.94


Shelby Home Insurance Cost By Home Age

The age of your home is also a factor considered when carriers determine your home insurance premium. The age matters because older homes might be more expensive to rebuild after a total covered loss, especially if they must bring them up to modern safety and building codes. If you have an older home and you are looking for ways to keep your premiums low, be sure to stay up to date on home maintenance and replace older systems in your home. 


How Does Your Location in Shelby Affect Your Home Insurance?

Where you live is one of the biggest factors that affect your home insurance premium. This gets so specific that carriers look at ZIP codes and neighborhoods. If your neighborhood has a higher theft rate than another neighborhood a few blocks down, your rates will be higher. Because carriers are very particular with risk evaluations, rates vary greatly-even within the same city. Below is a breakdown of the average annual premium for home insurance in Shelby:

Shelby NC Zip Code Map for Home insurance prices


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

We want you to find the perfect homeowners insurance in Shelby, 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 SageSure is the most popular in Shelby. People with SageSure pay an average of $749 annually. Another popular carrier in Shelby is Travelers. Travelers’ rates differ slightly from SageSure, with an average cost of $927 annually. Check out our data below for Shelby’s four most popular carriers and their average annual home insurance premiums. 

Average Shelby Home Insurance Price by Carrier


Zip Codes in Shelby We Insure

  • 28150
  • 28152

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 Shelby's Premier Home Insurance Provider

Shelby neighborhood

Shelby, North Carolina, also known as the “City of Pleasant Living,” is located at the base of the Blue Ridge Mountains. Just a short trip to two international airports offers residents ease of travel. Named after a Revolutionary War hero, Shelby offers historical and new-age elements to its residents. Want to see live music? Historic carousels? In Shelby, you can find it all.

Shelby neighborhood

At TGS Insurance Agency, we only work with the finest insurance carriers, so Shelby residents can consistently expect a comprehensive homeowners insurance policy at a low cost. As an independent agency with thousands of happy customers, partnerships with 35+ carriers, and exceptional customer service, we win business from Shelby locals daily.

Key Home Statistics in Shelby


Total Population in Shelby, NC


Average Home Value in Shelby, NC


Median Household Income in Shelby, NC


Median Age in Shelby, NC

Major Neighborhoods in Shelby, NC

Image of Pleasant Grove Estates Neighborhood

Pleasant Grove Estates

This popular Shelby, North Carolina neighborhood is known for its large homes and plenty of space between neighbors. People love the calmness of this area.

Image of Christopher Woods  Neighborhood

Christopher Woods

Christopher Woods is a new development in Shelby. This area is great for families who want to be in control of building their dream home.

Image of Eastwood Estates Neighborhood

Eastwood Estates

Eastwood Estates is a family-friendly neighborhood close to downtown Shelby. There are hospitals and excellent schools right down the road.

Local Home Resources in Shelby, NC

Fire Departments
Cleveland Volunteer Fire Dept221 E Graham St
Shelby, NC 28150
(704) 487-5335
Fire Department506 E Grover St
Shelby, NC 28150
(704) 484-6835
Shelby Fire Dept303 Charles Rd
Shelby, NC 28152
(704) 484-6836
Shelby Fire Dept2425 Kings Rd
Shelby, NC 28152
(704) 669-6565
Police Departments
Cleveland County Sheriff's Dpt100 Justice Pl
Shelby, NC 28150
Shelby City Police DeptPO Box 207
Shelby, NC 28152
Shelby City Police DeptPo Box 207
Shelby, NC 28151
Shelby Police Detective Div311 S Lafayette St
Shelby, NC 28152
Sheriff's Dept-Criminal100 Justice Pl
Shelby, NC 28152
Sheriff's Dept-Narcotics100 Justice Pl
Shelby, NC 28152
Sheriff's Dept-narcoticsPo Box 1508
Shelby, NC 28151