Getting a Statesville Home Insurance Quote is as Easy as 1-2-3!
Getting the best homeowner’s insurance in Statesville 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
What is Included in Statesville Home Insurance?
There are a few standard forms of home insurance that offer different levels of protection. This varies from different perils coverage and how much protection you want. Most of these forms include coverage- at some level- for:
- Other Structures
- Personal Property
- Loss of Use
- Personal Liability
- Medical Payments
Having these coverages at the base of every standard home policy allows everyone to be somewhat protected. You can choose whether or not you have more coverage in one area compared to another. All of this is based on your unique lifestyle in Statesville.
Cost of Home Insurance in Statesville
In Statesville, the average home insurance costs $1,021 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.
Average Homeowners Insurance Cost by Coverage Level in Statesville
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 Statesville, North Carolina, based on dwelling coverage limits associated with the policy.
Dwelling Coverage Limits Average Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00 $709.63
$200,000.00 - $299,999.00 $1,017.29
$300,000.00 - $399,999.00 $1,234.48
$400,000.00 - $499,999.00 $1,498.55
Statesville 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 Location Affect Your Home Insurance in Statesville?
Just like your auto insurance, location is an important factor in determining your home insurance rates in Statesville. For example, your premium may be higher if your city has a history of perils like vandalism, theft, or even in an area with a weather risk. Conversely, your location could positively impact and lower your premium. In Statesville, the ZIP code with the highest average premium is 28677. The average cost for that ZIP code is $1,031. Below is a comparison of the average cost of home insurance within ZIP codes of Statesville:
Statesville Home Insurance Rates By Company
Choosing your home insurance provider is about more than the price, even though we know the cost is undoubtedly a factor. Because each provider sets their rates, the same coverage can vary between carriers. The top carrier in Statesville is SageSure. TGS customers in Statesville pay an average of $764 when insured by SageSure. Looking at the numbers, an overwhelming number of people in your area have chosen SageSure over our next most popular carrier, Travelers. The average premium for Travelers is $893 for TGS Insurance customers. Here is a breakdown of the different carriers used in Statesville.
Statesville 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.