Shopping For Cheap Wilson Home Insurance Is Easier Than You Think
As an independent agency, we represent 55+ top-rated insurance carriers, which allows us to offer comprehensive insurance options to meet your every need. The best part? Our highly qualified homeowners insurance agents do the hard work for you, making your home insurance shopping process easy and stress-free. Your savings start with an instant, free quote. Our agents are ready to help you further customize your quote and find any discounts you might qualify for!
We shop. You Save. Yes, it really is that easy.
Wilson Home Insurance Coverage: The Basics
If you’re like most homeowners in Wilson, 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.
How Much Does Wilson Home Insurance Cost?
On average, a TGS customer in Wilson would pay $1,385 per year for home insurance. Home insurance rates vary based on several factors, including your home’s age, value, and location, as well as your credit score and desired coverage levels. This average is based on policies with an average home value of $260,376 and includes windstorm and hail coverage with a 2% deductible. TGS Insurance Agency offers customizable options to all our customers so you can find the right policy and pay what you want. Get started with a free instant home insurance quote by providing your address above.
Average Wilson 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.
Dwelling Coverage Limits Average Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00 $974.69
$200,000.00 - $299,999.00 $1,382.62
$300,000.00 - $399,999.00 $1,770.33
$400,000.00 - $499,999.00 $2,162.10
$500,000.00 - $599,999.00 $2,561.37
How Square Footage Affects Your Wilson 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 Wilson, Noth Carolina, based on the size of your home.
How Does Your Location in Wilson 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 Wilson:
Who is the Most Popular Home Insurance Carrier in Wilson, North Carolina?
We want you to find the perfect homeowners insurance in Wilson, 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 Safeco is the most popular in Wilson. People with Safeco pay an average of $906 annually. Another popular carrier in Wilson is SageSure. SageSure’s rates differ slightly from Safeco, having an average cost of $1,048 a year. Check out our data below for Wilson’s four most popular carriers and their average annual home insurance premiums.
Wilson Zip Codes We Insure
- 27893
- 27896
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.
