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

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Finding Affordable Columbia, South Carolina Home Insurance Made Simple


At TGS Insurance Agency, we leverage our relationships with several top-rated carriers to find you the best coverage and prices. Our online quoting tool makes getting a home insurance quote easier and faster than ever- all we need is your address! Our agents are ready to review your quote to assure you are getting the coverage you need and not overpaying for coverage you don’t.  


We shop, and you save time and money; it really is that easy.


What is Covered in Columbia Home Insurance?


Don’t let unexpected losses threaten your home and personal belongings. With home insurance in Columbia, 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 is Home Insurance in Columbia, South Carolina?


Columbia home insurance costs an average of $1,532 per year for TGS Insurance customers. This average is factored with policies with a 2% wind and hail coverage deductible and an average home value of $301,455. The cost of your home insurance premium will vary based on a few different things. This can be your credit, where you live, how much your house is worth, and the age of your home. Our instant home quote tool shops for you to find the best rates with just your address. After your instant quote, connect with one of our agents to further customize your coverage!


Home Insurance in Columbia Cost by Dwelling Coverage Limit


Dwelling coverage limits are one of the key factors that insurers consider when setting premiums. You’ll generally pay a higher premium if you choose a high dwelling coverage limit. However, it’s important to ensure adequate coverage to protect your home during a loss. If you have a mortgage on your home, your lender may require you to have a certain amount of dwelling coverage to protect your investment.


In Columbia, South Carolina, a policy with $200,000-$299,999 in dwelling coverage costs an average of $1,348 per year. However, if your home is worth more, you’ll want more coverage, so homeowners wanting $400,000-$499,999 in dwelling coverage will pay an average of $2,008 in Columbia, South Carolina.


Dwelling Coverage LimitsAverage Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00$1,139.92
$200,000.00 - $299,999.00$1,348.31
$300,000.00 - $399,999.00$1,685.83
$400,000.00 - $499,999.00$2,007.57


How Does My ZIP Code Affect My Home Insurance?


While some factors regarding your location, such as the probability of severe weather, are calculated at the city or county level. Some factors are analyzed as specifically as your zip code or neighborhood. Since the size and build of your home are usually consistent within neighborhoods, the location of your home plays a significant role in determining your risk of covered perils. In Columbia, the ZIP code 29201 is the area with the lowest premium of $1,112 for TGS customers. The ZIP code with the highest premium is 29229, costing TGS customers an average of $1,788 a year.

map showing the average home insurance premium in Columbia, South Carolina, by zip code

Zip Codes in Columbia TGS Insurance Covers




Don’t see your zip code? We’ve got you covered! We make shopping for the best home insurance easy and hassle-free for all residents throughout South Carolina. Get started today with a free, instant quote!

TGS Insurance is Columbia's Premier Home Insurance Provider

Columbia neighborhood

Columbia, South Carolina, is more than just the capital. It is home to the University of South Carolina, a business epicenter known to locals as “The Soda City” and for being infamously hot. Columbia’s history is not shown in its architecture as much as in other cities because a fire burned down two-thirds of the city in the late 1800s.

Columbia neighborhood

When choosing an insurance agency for your Columbia 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 Columbia


Total Population in Columbia, SC


Average Home Value in Columbia, SC


Median Household Income in Columbia, SC


Median Age in Columbia, SC

Major Neighborhoods in Columbia, SC

Image of Fort Jackson Neighborhood

Fort Jackson

Fort Jackson is not only a military base in Columbia, South Carolina. This area is known for its authentic southern food, east coast culture, and plenty of nature trails to explore.

Image of Lower Richland Neighborhood

Lower Richland

Lower Richland is most notably known as home to South Carolina’s National Park, Congaree National Park. Another fun thing to do in this area is strawberry picking and watching fireflies.

Image of Northeast Columbia Neighborhood

Northeast Columbia

Northeast Columbia also houses part of Congaree National Park. This area is home to local farmers' markets, an array of cuisines and is close enough to the center of town with great shopping.

Image of Cayce Neighborhood


This Columbia, South Carolina, suburb is known for its history as part of the three rivers greenway. Cayce is a great place for families to explore, eat great food, and enjoy beautiful Columbia.

Image of Mill District Neighborhood

Mill District

The Mill District is a great neighborhood in Columbia, South Carolina. This area has access to great dining, local shops, and entertainment that the whole family will enjoy.

Image of Rosewood Neighborhood


Rosewood is a diverse neighborhood in Columbia,South Carolina. This area is known for having an urban farm and unique airplane hangar-themed beer gardens.

Local Home Resources in Columbia, SC

Fire Departments
Capital View Fire Dept8100 Burdell Dr
Columbia, SC 29209
(803) 783-1763
Columbia Fire Dept1800 Laurel St
Columbia, SC 29201
(803) 545-3700
Columbia Fire Dept9651 Farrow Rd
Columbia, SC 29203
(803) 754-0978
Sandhill Fire Dept130 Sparkleberry Ln
Columbia, SC 29229
(803) 865-9543
Police Departments
Columbia Police Chief1 Justice Sq
Columbia, SC 29292
Columbia Police Department1 Justice Sq
Columbia, SC 29201
Columbia Police Dept1 Justice Sq
Columbia, SC 29201
Forest Acres Police Dept5205 N Trenholm Rd
Columbia, SC 29206
Highway Patrol1626 Shop Rd
Columbia, SC 29292
Highway Patrol5400 Broad River Rd
Columbia, SC 29212-3540
Police Dept-Crime Prevention1 Justice Sq
Columbia, SC 29292
Police Dept-crime Prevention1600 Bull St
Columbia, SC 29201
Richland County Sheriff...5623 Two Notch Rd
Columbia, SC 29223
Richland County Sheriff...5623 Two Notch Rd
Columbia, SC 29223-7218
Richland County Sheriff's Department5623 Two Notch Rd
Columbia, SC 29223-7218
Richland County Sheriff's Dept5623 Two Notch Rd
Columbia, SC 29223
Richland County Sheriff's Dept5623 Two Notch Rd
Columbia, SC 29292
Sheriff's Department111 Lincreek Dr
Columbia, SC 29212
Sheriff's Dept111 Lincreek Dr
Columbia, SC 29292
Sheriff's Dept111 Lincreek Dr
Columbia, SC 29212
Sheriff'S Dept111 Lincreek Dr
Columbia, SC 29212-8102
SheriffS Dept111 Lincreek Dr
Columbia, SC 29212-8102
Columbia, SC 29210-4012