Save On Home Insurance in Beaufort, SC | TGS Insurance Agency

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Beaufort, SC

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Shopping For Cheap Beaufort 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.


What is Covered in Beaufort Home Insurance?


Don’t let unexpected losses threaten your home and personal belongings. With home insurance in Beaufort, you can have peace of mind knowing you’re covered against various risks. A standard policy typically covers your home’s structure, personal belongings, liability, and additional living expenses. However not all policies are created equal, so it’s important to work with an agent who can help you customize your coverage to fit your unique needs. Whether you need more protection for your high-value items or want to add coverage for specific risks like earthquakes or floods, we’ve got you covered.


What Does Home Insurance Cost in Beaufort?


Homeowners insurance in Beaufort costs $2,203 a year, or $184 a month, for TGS customers. The cost of your home insurance premium will vary based on a few different things. This can be from your credit, location, value of your home, and what year your home was built. It is normal for your home insurance to vary from this average and other numbers you see online. The great thing about it is that you can completely customize your coverage.TGS has helped over 15,000 customers save on their home insurance premiums. To lock in your savings, type your address above for an instant quote!


Average Home Insurance Quotes in Beaufort by Coverage Level


Dwelling coverage is a critical aspect of home insurance that protects your home’s physical structure from covered hazards. Typically, your home insurance policy provides coverage up to a specified dollar amount, known as the policy limit. Ensuring that your dwelling coverage limit is sufficient to rebuild your home in the event of a total loss is critical. Since the insurance company assumes more risk, dwelling coverage limits may significantly impact home insurance premiums, with higher limits resulting in higher premiums. Below is a breakdown of the average home insurance premium based on dwelling coverage limits.


Dwelling Coverage LimitsAverage Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00$1,834.70
$200,000.00 - $299,999.00$1,965.06
$300,000.00 - $399,999.00$2,458.63
$400,000.00 - $499,999.00$3,085.08
$500,000.00 - $599,999.00$3,846.54
$600,000.00 - $699,999.00$4,254.66


How the Age of Your Beaufort Home Affects Your Insurance


The main difference between older and newer houses is that older homes pose a larger risk to insurance carriers. Older homes are more susceptible to fires and issues with plumbing and roofing. It would also be more expensive for carriers to repair older homes, so your premium will be higher. To avoid high premiums on older homes, keep up with home maintenance. If you update your home systems, your insurance carrier will not see them as a big risk. 


How Does Location Affect Your Home Insurance in Beaufort?


Just like your auto insurance, location is an important factor in determining your home insurance rates in Beaufort. 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 Beaufort, the ZIP code with the highest average premium is 29901. The average cost for that ZIP code is $2,745. Below is a comparison of the average cost of home insurance within ZIP codes of Beaufort: 


map showing average home insurance premiums by zip code in Beaufort, South Carolina


Beaufort Zip Codes We Insure


  • 29901
  • 29902
  • 29906
  • 29907


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 South 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 Beaufort's Premier Home Insurance Provider

Beaufort neighborhood

Beaufort, South Carolina, is in the Coastal region of the state. This area is well-known features films being shot there such as Forrest Gump, The Prince of Tides, and Big Chill. When it comes to coastland, Beaufort is home to 25% of the country's marshlands. The population in Beaufort ranges from young families to retirees.

Beaufort neighborhood

When choosing an insurance agency for your Beaufort home insurance needs, you want a company you can trust. TGS Insurance Agency is an independent insurance agency committed to being that for you. We do not work for an insurance company; we work for you!

Key Home Statistics in Beaufort


Total Population in Beaufort, SC


Average Home Value in Beaufort, SC


Median Household Income in Beaufort, SC


Median Age in Beaufort, SC

Major Neighborhoods in Beaufort, SC

Image of Cat Island Neighborhood

Cat Island

Cat Island is truly a marshy paradise. This Beaufort community boasts two golf courses, amenities, and plentiful water views. It’s easy to see why so many young families are attracted to Cat Island.

Image of Pigeon Point Neighborhood

Pigeon Point

This budding corner of Beaufort, South Carolina is nestled near the heart of downtown. Pigeon Point is conveniently located within walking distance of Main Street boutiques and eateries.

Image of Battery Shores Neighborhood

Battery Shores

Battery Shores is conveniently close to local military bases, shopping areas, and the hustle and bustle of downtown Beaufort. This borough offers a diverse range of homes and ample greenspaces.

Local Home Resources in Beaufort, SC

Fire Departments
Beaufort City - Fire Department- Burning Permit Requests302 Carteret St
Beaufort, SC 29902
(843) 525-7032
Beaufort Fire Marshall Div135 Ribaut Rd
Beaufort, SC 29902
(843) 525-7035
Burton Fire District36 Burton Hill Rd
Beaufort, SC 29906
(843) 521-5537
City Of Beaufort Fire Dept1911 Boundary St
Beaufort, SC 29902
(843) 525-7055
Fire - Lady's Island-St Helena Fire DepartmentU.S. 21
Beaufort, SC 29902
(843) 525-7692
Lady's Island St Helen Fire District237 Sea Island Pky
Beaufort, SC 29907
(843) 522-0962
Sam's Point Fire Station725 Sams Point Rd
Beaufort, SC 29907
(843) 525-6099
Police Departments
Beaufort County SheriffPo Box 1758
Beaufort, SC 29901
Beaufort Police Dept1901 BOUNDARY ST #2
BEAUFORT, SC 29902-3825
Beaufort Police DeptPo Box 898
Beaufort, SC 29901
Beaufort SheriffPO Box 1758
Beaufort, SC 29901
Beaufort SheriffPO Box 1758
Beaufort, SC 29906
Highway Patrol28 Munch Dr
Beaufort, SC 29906
Hilton Head Police Dept2001 Duke St
Beaufort, SC 29902
Sheriff's-criminal WarrantsPo Box 1758
Beaufort, SC 29901