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

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With over 55 top-rated insurance carriers at our disposal, we pride ourselves on being an independent agency that can offer comprehensive Cayce home insurance options to meet your every need. Our team of highly qualified homeowners insurance agents will do the heavy lifting for you, making your home insurance shopping process a breeze. Get started with an instant, free quote today, and let us help you customize your policy to find any discounts you qualify for. We shop, you save – it’s that simple!

What Does Cayce 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 Cayce, 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.

What is the Cost of Home Insurance in Cayce, South Carolina? 


Your home insurance policy is crafted to fit your needs as a homeowner and protect your home. Your specific policy will look different from anybody else’s since it is built to protect your home and belongings. Look at how Cayce compares to other averages. 


National Average: $1,477

North Carolina Average: $1,215

Cayce, South Carolina Average: $1,285


Your home insurance premium can vary from these averages, but it is always good to compare. If your current homeowners insurance policy is much less expensive than the city average, you may not have enough coverage and be underinsured. If you pay much more than these averages, you could simply be overpaying for home insurance. 


Average Cayce 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.


In Cayce, South Carolina, if you need $200,000 in dwelling coverage, you’ll pay an average of $1,164 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 $1,679 in Cayce, South Carolina. 


Dwelling Coverage LimitsAverage Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00$1,052.47
$200,000.00 - $299,999.00$1,164.24
$300,000.00 - $399,999.00$1,446.48
$400,000.00 - $499,999.00$1,678.68


Cayce Zip Codes We Insure


  • 29033


Zip code not listed? Don’t worry! We can help homeowners throughout South Carolina save money on their home insurance. Get started with a free instant quote by providing your address above. 


TGS Insurance is Cayce's Premier Home Insurance Provider

Cayce neighborhood

Cayce, South Carolina, is in the Midlands region of the state. This area was home to Native Americans for over 12,000 years. With a population of around 13,000, Cayce is a great place for young families and retirees. The Congaree Riverwalk is a 12-mile walk that residents love to hike and bike with their families.

Cayce neighborhood

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

Key Home Statistics in Cayce


Total Population in Cayce, SC


Average Home Value in Cayce, SC


Median Household Income in Cayce, SC


Median Age in Cayce, SC

Major Neighborhoods in Cayce, SC

Image of Kinsler Neighborhood


Known for its traditional southern-east coast homes, Kinsler is located west of downtown Cayce. This makes it the perfect place to frequent local farmers markets, have sunday strolls, and raise a family.

Image of Cayce Northeast Neighborhood

Cayce Northeast

Perfect for families, Cayce Northeast is a friendly neighborhood. This area is known for its top-rated schools, local businesses, and excellent food.

Image of Cayce East Neighborhood

Cayce East

Cayce East is a quiet suburb in Cayce, South Carolina. Close to a number of beautiful parks and walking trails, people who live nearby love to enjoy the outdoors in this area.

Image of City Center Neighborhood

City Center

City Center is home to a number of unique dining options, eclectic shops, and beautiful homes. People love living here because it is the center of this quaint town.

Image of Old Saxe Gotha Neighborhood

Old Saxe Gotha

Located west of downtown Cayce, Old Saxe Gotha is neighborhood known for its historic homes and shops. These antebellum homes draw people in and are picture-perfect.

Image of The Avenues of Cayce Neighborhood

The Avenues of Cayce

With part of the neighborhood in West Columbia, and the other part in Cayce, this is a great place to live. You have access to amenities in both towns.

Local Home Resources in Cayce, SC

Fire Departments
Cayce Fire Inspections1800 12th St
Cayce, SC 29033
(803) 796-9020