Save On Home Insurance in Wake Forest, NC | TGS Insurance Agency

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Homeowners Insurance  »  North Carolina  »  

Wake Forest

Getting a Wake Forest Home Insurance Quote is as Easy as 1-2-3!

Getting the best homeowner’s insurance in Wake Forest 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?

  1. Enter your address
  2. View your quote 
  3. Customize your coverage with the guidance of one of our expert independent agents


What Does Wake Forest 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 Wake Forest, 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 Wake Forest

In Wake Forest, the average home insurance costs $1,305 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 Cost of Wake Forest Home Insurance by Dwelling Coverage Amount

Typical home insurance includes dwelling coverage which covers the costs of repairing or rebuilding your home if it sustains damage or is destroyed due to a covered event. The limit of your dwelling coverage should match the rebuilding cost of your home, and the higher the limit, the more substantial the impact on home insurance premiums since the insurance company bears more risk. For TGS customers with a $200,000 dwelling coverage limit, their premium averages at $1,081 per year. 

Dwelling Coverage LimitsAverage Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00$791.91
$200,000.00 - $299,999.00$1,081.28
$300,000.00 - $399,999.00$1,236.18
$400,000.00 - $499,999.00$1,463.79
$500,000.00 - $599,999.00$1,688.05
$600,000.00 - $699,999.00$1,930.14


Wake Forest 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 Square Footage Affects Your Wake Forest Home Insurance

When you initially chat with your insurance agent about your quote, they will want to know the square footage of every part of your home. They do this because the more square footage you have, the more your house will inevitably cost to rebuild if you lose it due to a covered loss. Rebuild costs- known as replacement cost in the insurance world- are a big part of determining how much you will pay in insurance premiums. Below we have a breakdown of average annual premiums in Wake Forest, Noth Carolina, based on the size of your home. 

Average Wake Forest Home Insurance Quote By Size


How Different Insurance Carriers in Wake Forest Differ in Price

When searching for a new home insurance policy, you want to ensure it fits your needs and is within your budget. The carrier you decide to use is one of the biggest factors affecting your premium cost. Carrier rates differ because they have different ways of determining your risk to them. Say your house is a bit older- one carrier may see that as not a huge deal, but another will take that seriously and charge you more for your premium. In Wake Forest, the least expensive carrier is SageSure, and on average, Wake Forest residents pay $1,009 a year. Here is a breakdown of the 4 most popular carriers in Wake Forest and how their averages differ.

Wake Forest Home Insurance Quote By Carrier


When picking which carrier is right for you, the cheapest may not always be the best. But there is no need for endless days of researching, quoting, and aggravation. At TGS, we shop around for you. You get all the prices and coverages given to you. Then you can decide which is your perfect match!


Wake Forest Zip Codes We Insure

  • 27587

Don’t see your zip code? It’s okay! At TGS Insurance Agency, we have access to a wide range of insurance carriers and products to help homeowners throughout North Carolina save money on their home insurance. Get a free, instant quote today and protect yourself, your family, and your home from the unexpected. 

TGS Insurance is Wake Forest's Premier Home Insurance Provider

Wake Forest neighborhood

Wake Forest, North Carolina, is a town north of Raleigh. Like most North Carolina towns, it is jammed packed with history, culture, arts, and beautiful architecture. You can enjoy the campus of Southeastern Baptist Theological Seminary, where Wake Forest College was before it moved to Winston-Salem. Don’t forget to grab some Tae Heel souvenirs before and treats from the local farmers market!

Wake Forest neighborhood

At TGS Insurance Agency, we only work with the finest insurance carriers, so Wake Forest 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 Wake Forest locals daily.

Key Home Statistics in Wake Forest


Total Population in Wake Forest, NC


Average Home Value in Wake Forest, NC


Median Household Income in Wake Forest, NC


Median Age in Wake Forest, NC

Major Neighborhoods in Wake Forest, NC

Image of Holding Village Neighborhood

Holding Village

Holding Village is a highly coveted neighborhood in Wake Field. It is sought after because of its amenities and tight-knit community. There are pools, a huge lake, and walking trails.

Image of Wakefield Estates Neighborhood

Wakefield Estates

Wakefield Estates is near local dining, shops, and entertainment. It is near the historic downtown Wake Field and the houses in the neighborhood range from 4,000 to 12,000 square feet.

Image of Richland HIlls Neighborhood

Richland HIlls

Richland Hills is a neighborhood with mostly retired people. They love the laid-back and carefree vibe that Richland Hills has and the delicious restaurants nearby.

Local Home Resources in Wake Forest, NC

Fire Departments
Fire Department - Wake Forest Customers420 E Elm St
Wake Forest, NC 27587
(919) 556-1966
Franklin County Fire Rescue
Wake Forest, NC

Stony Hill Fire Dept15633 New Light Rd
Wake Forest, NC 27587
(919) 529-4557
Stony Hill Fire Dept7045 Stony Hill Rd
Wake Forest, NC 27587
(919) 562-6425
Wake Forest Fire Dept9925 Ligon Mill Rd
Wake Forest, NC 27587
(919) 570-1609
Wake Forest Fire Dept420 E Elm Ave
Wake Forest, NC 27587
(919) 556-1966