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

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Waynesville, NC

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

Getting the best homeowner’s insurance in Waynesville 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 is Included in Waynesville 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:

  • Dwelling
  • 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 Waynesville.


Average Cost of Home Insurance in Waynesville

In Waynesville, the average cost of home insurance for TGS Insurance customers is $779 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 Waynesville Home Insurance Cost By Dwelling Coverage Limits

Dwelling coverage is the component of home insurance that protects the physical structure of your home from covered perils. It is designed to cover the cost of repairing or rebuilding your home if it is damaged or destroyed by a covered event. The amount of dwelling coverage you need will depend on the cost of rebuilding your home. Your home insurance policy typically provides coverage up to a specified dollar amount, known as the policy limit. It’s important to ensure that your dwelling coverage limit is high enough to cover the cost of rebuilding your home in the event of a total loss. Dwelling coverage limits can have a significant impact on home insurance premiums. In general, the higher the dwelling coverage limit, the higher the premium since the insurance company will take on more risk.

In Waynesville, North Carolina, if you need $200,000 in dwelling coverage, you’ll pay an average of $863 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 $1,309 in Waynesville, North Carolina.

Dwelling Coverage LimitsAverage Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00$617.64
$200,000.00 - $299,999.00$863.45
$300,000.00 - $399,999.00$1,120.95
$400,000.00 - $499,999.00$1,308.91


Does the Size of My Waynesville 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 Waynesville, North Carolina, houses that are over 2,000 square feet will cost you an average of $1,641 per year. Houses that are under 2,000 square feet have an average annual premium of $780 per year.

Waynesville home insurance price by size of your home


How Does Your Location in Waynesville 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 Waynesville:

waynesville home insurance cost by ZIP code


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

We want you to find the perfect homeowners insurance in Waynesville, 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 Waynesville. People with SageSure pay an average of $517 annually. Another popular carrier in Waynesville is Safeco. Safeco’s rates differ a bit from SageSure, having an average cost of $977 a year. Check out our data below for the five most popular carriers in Waynesville and their average annual home insurance premiums. 

Average Waynesville Home Insurance Quote by Carrier


Zip Codes in Waynesville TGS Insurance Covers

  • 28785
  • 28786

Don’t see your zip code? You will still have coverage! We make shopping for the best home insurance easy and hassle-free for all residents throughout North Carolina. Start today with a free, instant quote! 

TGS Insurance is Waynesville's Premier Home Insurance Provider

Waynesville neighborhood

Waynesville, North Carolina, is in the Mountains region of the state. This area is well-known for its beautiful outdoor recreation, like hiking to waterfalls, cycling, and fishing. With a population of around 10,000, Waynesville is a great place for outdoor enthusiasts. The beautiful nature in this area in North Carolina is what the residents love.

Waynesville neighborhood

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

Key Home Statistics in Waynesville


Total Population in Waynesville, NC


Average Home Value in Waynesville, NC


Median Household Income in Waynesville, NC


Median Age in Waynesville, NC

Major Neighborhoods in Waynesville, NC

Image of Mountain Lake Forest Neighborhood

Mountain Lake Forest

Mountain Lake Forest homes have large lots, beautiful trees surrounding and views of the foothills of the mountains. This area is great for people who love the outdoors.

Image of Hazelwood Neighborhood


Hazelwood is a large neighborhood in Waynesville, North Carolina. This area has beautiful homes that are perfect for people who love the outdoors and plenty of land.

Image of Rolling Meadows Estates Neighborhood

Rolling Meadows Estates

Situated perfectly in the mountain region of North Carolina, Waynesville Rolling Meadows Estates provides a picturesque place to live and enjoy.

Local Home Resources in Waynesville, NC

Fire Departments
Waynesville Fire Dept1022 N Main St
Waynesville, NC 28786
(828) 456-8646
Police Departments
Haywood County Sheriff1620 Brown Ave
Waynesville, NC 28786
Haywood County Sheriff's Dept1620 Brown Ave
Waynesville, NC 28786
Waynesville Police Dept495 Brown Ave
Waynesville, NC 28786
Waynesville Police Dept9 S Main St
Waynesville, NC 28786