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

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Shopping For Cheap Charleston 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 Charleston Home Insurance?


Don’t let unexpected losses threaten your home and personal belongings. With home insurance in Charleston, 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. But 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.


How Much Does Charleston Home Insurance Cost?


On average, a TGS customer in Charleston would pay $2,716 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 $302,824 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 Charleston 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 Charleston, South Carolina, if you need $200,000 in dwelling coverage, you’ll pay an average of $2,317 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 $3,694 in Charleston, South Carolina.


Dwelling Coverage LimitsAverage Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00$2,124.52
$200,000.00 - $299,999.00$2,316.62
$300,000.00 - $399,999.00$2,919.89
$400,000.00 - $499,999.00$3,693.67


Does My Location Affect Home Insurance Premiums in Charleston?


Determining home insurance rates is very similar to determining auto insurance rates. Providers look at factors in your area, like the potential dangers you face and the crime rates. Your premiums could be lower if you live in a relatively low crime rate area. If your area is known for having floods or severe weather, you may have to pay more for your premium. In Charleston, the ZIP code with the highest average premium is 29401. The average cost for that ZIP code is $3,479. Below is a comparison of the average cost of home insurance within ZIP codes of Charleston:


map displaying average home insurance premiums in Charleston, South Carolina by zip code


Charleston Zip Codes TGS Insurance Agency Covers




If your zip code is not listed, fret not! We have access to amazing rates for homeowners all across South Carolina. Simply enter your address above to get started with a free instant quote.

TGS Insurance is Charleston's Premier Home Insurance Provider

Charleston neighborhood

Charleston, South Carolina, has been described as a living museum because of its rich 300-year history. Before it was the Charleston we know today, it was the wealthiest city in Colonial America, the first town to have a public college, and the first golf course! Now, we can feel the history that runs through this city. So much so that people call Charleston a “living museum.”

Charleston neighborhood

At TGS Insurance, we are committed to our clients' best interests. As an independent insurance agency, we do all we can to find Charleston residents the best home insurance options. We want you to feel covered without the headache of shopping for policies. We do it for you!

Key Home Statistics in Charleston


Total Population in Charleston, SC


Average Home Value in Charleston, SC


Median Household Income in Charleston, SC


Median Age in Charleston, SC

Major Neighborhoods in Charleston, SC

Image of South of Broad Neighborhood

South of Broad

South of Broad is a great neighborhood in Charleston, South Carolina. This area features unique southern antebellum houses, cobblestone streets, and a serenity that residents love.

Image of Harleston Village Neighborhood

Harleston Village

Harleston Village is most notably home to the College of Charleston and the Halsey Institute of Contemporary Art. This area is perfect for students to shop, hang out, and enjoy the beauty of Charleston.

Image of Lower King Neighborhood

Lower King

Lower King is home to local mom and pop antique stores, galleries and so much more. The emphasis on local, family owned business in this part of Charleston is so unique to the city.

Image of Upper King Street Neighborhood

Upper King Street

Buzzing with bars and restaurants, Upper King Street is great for people who want to enjoy eclectic Charleston. With pastel painted building, this area is perfectly unique.

Image of West Side and Hampton Park Terrace Neighborhood

West Side and Hampton Park Terrace

This area has gone through a major real estate hike in the last few years, New residents have renovated older Charleston homes to make the perfect seaside homes for their families.

Image of French Quarter Neighborhood

French Quarter

The French Quarter is home to art galleries, museums and historical religious sites. Along with the history, new restaurants and shops have popped up for residents to enjoy.

Local Home Resources in Charleston, SC

Fire Departments
C & H Rural Fire Department1062 Cainhoy Rd
Charleston, SC 29492
(843) 881-2941
Cain Hoy Fire Department2451 Clements Ferry Rd
Charleston, SC 29492
(843) 971-6099
Charleston Fire Dept2 Wentworth St
Charleston, SC 29401
(843) 720-1981
Fire Department City262 Meeting St
Charleston, SC 29401
(843) 720-1981
Fire Department City of North Charleston4900 Lacross Rd
Charleston, SC 29406
(843) 554-5700
James Island Fire Dept1622 Camp Rd
Charleston, SC 29412
(843) 795-2094
Police Departments
Caddo Parish Sheriffs OfficePO Box 21833
Charleston, SC 29413
Charleston City Police180 Lockwood Blvd Ste A
Charleston, SC 29403
Charleston CO Sheriff Subst617 Riverland Dr
Charleston, SC 29492
Charleston Police Dept180 Lockwood Blvd # C
Charleston, SC 29403
Chief of police180 lockwood blvd
Charleston, SC 29492
Police Department4900 Lacross Rd # 518
Charleston, SC 29406
Police Dept Narcotics180 Lockwood Blvd
Charleston, SC 29403
Police Dept-Internal Affairs180 Lockwood Blvd
Charleston, SC 29403
Police Dept-Warrants180 Lockwood Blvd
Charleston, SC 29403
Sheriff-Criminal Investigation3505 Pinehaven Dr
Charleston, SC 29492
Sheriff-Criminal Records3505 Pinehaven Dr
Charleston, SC 29492