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

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With over 55 top-rated insurance carriers at our disposal, we pride ourselves on being an independent agency that can offer comprehensive Stallings home insurance options to meet your every need. Our team of highly qualified homeowners insurance agents will do the heavy lifting for you, making your home insurance shopping process a breeze. Start with an instant, free quote today, and let us help you customize your policy to find any discounts you qualify for. We shop, you save – it’s that simple!


Stallings Home Insurance Coverage: The Basics

If you’re like most homeowners in Stallings, your home is your most valuable asset, and you should protect it as such. It’s important to understand that when you create your home insurance policy, it should meet your individual needs. Insurance companies offer different levels of coverage, endorsements, and protections with varying conditions and limitations that enable policies to be customized. With that in mind, the most common types of coverage you will see on a homeowners insurance policy include: 

  • Dwelling coverage for the structure of your home.
  • Other structures coverage for structures not attached to your home, like detached garages, sheds, and fences.
  • Personal property coverage for replacing and repairing furniture, electronics, clothing, etc.
  • Loss of use coverage for additional living expenses if you need to stay somewhere else while your home is being repaired.
  • Personal liability coverage for legal bills if someone gets injured on your property or you cause damage and get sued.
  • Medical payment coverage helps cover medical expenses for nonhousehold members injured on your property.


What is the Cost of Home Insurance in Stallings, North Carolina?

Your home insurance policy is crafted to fit your needs as a homeowner and protect your home. Your specific policy will look different from anybody else’s since it is built to protect your home and belongings. Look at how Stallings compares to other averages. 

National Average: $1,477

North Carolina Average: $1,215

Stallings, North Carolina Average: $1,111

Your home insurance premium can vary from these averages, but it is always good to compare. If your current homeowners insurance policy is much less expensive than the city average, you may not have enough coverage and be underinsured. If you pay much more than these averages, you could simply be overpaying for home insurance. 


Average Stallings Home Insurance Cost By Coverage Level

Dwelling coverage is a fundamental element of home insurance that protects the physical structure of your home against covered hazards. The intention is to cover the expenses of repairing or rebuilding your home if it is damaged or destroyed due to a covered event. The amount of dwelling coverage needed depends on the cost of rebuilding your home. Your home insurance covers the policy limit- which is coverage for up to a specified dollar amount. It is critical to ensure that your dwelling coverage limit is sufficient to cover the cost of rebuilding your home in case of a complete loss. Dwelling coverage limits can significantly impact home insurance premiums, with higher limits resulting in higher premiums since the insurance company is assuming more risk.

In Stallings, North Carolina, if you need $200,000 in dwelling coverage, you’ll pay an average of $920 per year. However, if your home is worth more, you’ll want more coverage, so homeowners wanting $400,000 in dwelling coverage will pay an average of $1,373 in Stallings, North Carolina

Dwelling Coverage LimitsAverage Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00$684.22
$200,000.00 - $299,999.00$920.35
$300,000.00 - $399,999.00$1,153.55
$400,000.00 - $499,999.00$1,372.68


How Stallings 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 Stallings, North Carolina, that are over 2,500 square feet average at about $1,344 per year to insure. In contrast, houses that are under 2,500 square feet cost $965 to insure a year. 

Stalling Home insurance quotes by home size


Best Stallings 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 Stallings is Safeco. The average annual premium with Safeco is $1,283. Other popular carriers are Travelers and SageSure. 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 Stallings based on the insurance provider.


Zip Codes in Stallings We Insure

  • 28104

Don’t see your zip code? Not a problem! We can help homeowners throughout North Carolina find the best home coverage for their needs. Start with a free instant quote by providing your address above. 

TGS Insurance is Stallings' Premier Home Insurance Provider

Stallings neighborhood

Stalling, North Carolina, is in the Piedmont region of the state. This area is well-known for its history of being a factory town and having multiple cotton gins. With a population of around 16,000, Stallings is a great place for young couples and families. The small-town aspect of this area in North Carolina is what the residents love.

Stallings neighborhood

As an independent insurance agency, our commitment is to our client's best interests. TGS Insurance Agency is committed to finding Stallings residents home insurance options to meet their every need at a competitive price coupled with exceptional customer service.

Key Home Statistics in Stallings


Total Population in Stallings, NC


Average Home Value in Stallings, NC


Median Household Income in Stallings, NC


Median Age in Stallings, NC

Major Neighborhoods in Stallings, NC

Image of Stonewood Neighborhood


Stonewood is a small neighborhood in Stallings, NC. It’s a great neighborhood for people who wants to be close to the highway and the community activities of historic Matthews, NC.

Image of Fairhaven Neighborhood


Fairhaven is a typical suburban neighborhood in Stalling, North Carolina. There is a great sense of community and wonderful schools closeby.

Image of Park Meadows Neighborhood

Park Meadows

Park Meadows is a neighborhood in Stallings that is a mixture of single-family homes and townhomes. This makes it an affordable place for young couples and families.