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

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Florence, SC

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Finding Affordable Florence 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 Included in Florence Home Insurance?


There are a few standard forms of home insurance that offer different levels of protection. This varies from different perils coverage and how much protection you want. Most of these forms include coverage- at some level- for:


  • Dwelling
  • Other Structures
  • Personal Property 
  • Loss of Use
  • Personal Liability
  • Medical Payments


Having these coverages at the base of every standard home policy allows everyone to be somewhat protected. You can choose whether or not you have more coverage in one area compared to another. All of this is based on your unique lifestyle in Florence.


What Does Home Insurance Cost in Florence?


Homeowners insurance in Florence costs $1,625 a year, or $135 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 Homeowners Insurance Cost by Coverage Level in Florence


The cost to replace your home is essential to determine the dwelling coverage you need on your home insurance policy; this limit directly impacts your home insurance premium. On top of affecting your average annual costs, having an accurate replacement cost can prevent you from being underinsured if a covered loss takes your entire house. These are the average annual home insurance costs in Florence, South Carolina, based on dwelling coverage limits associated with the policy. 


Dwelling Coverage LimitsAverage Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00$1,270.84
$200,000.00 - $299,999.00$1,409.11
$300,000.00 - $399,999.00$1,749.68
$400,000.00 - $499,999.00$2,141.53


Does My ZIP Code Affect Home Insurance Premiums in Florence?


Insurance carriers look at more than your home state when pricing your premium- they can get as specific as your ZIP Code. For example, in South Carolina, when you are closer to the coast, you may experience higher annual premiums because of your risks of perils like flooding and hurricanes. In Florence, the ZIP code 29506 is the area with the lowest premium of $1,453 for TGS Insurance customers. The ZIP code with the highest premium is 29501, costing TGS customers an average of $1,660 a year. 


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


Zip Codes in Florence We Insure


  • 29501
  • 29505
  • 29506


Don’t see your zip code? Not a problem! We can help homeowners throughout South Carolina find the best home coverage for their needs. Get started with a free instant quote by providing your address above.

TGS Insurance is Florence's Premier Home Insurance Provider

Florence neighborhood

Florence, South Carolina, offers various entertainment, outdoor recreational activities, and local cuisine. This hub of shopping, recreation, arts, and entertainment has loads of appeal and a flavor that creates the perfect mix of small-town and big-city living. With a revitalized downtown, Florence is a center of activity for visitors in the Pee Dee region.

Florence neighborhood

TGS Insurance Agency offers the residents of Florence and the surrounding areas the most comprehensive homeowner’s insurance coverage in North Carolina, coupled with the industry’s best customer service. Get a free quote today and protect your home from unexpected events.

Key Home Statistics in Florence


Total Population in Florence, SC


Average Home Value in Florence, SC


Median Household Income in Florence, SC


Median Age in Florence, SC

Major Neighborhoods in Florence, SC

Image of Downtown Neighborhood


Located next to the Florence Downtown Historic District, the greater Downtown Florence area is bursting with new growth. This is the place to be for access to local eateries, and boutiques.

Image of The Grove Neighborhood

The Grove

This suburbia is taking off along with nearby Downtown Florence. The Grove is a mixed community, where diverse residents enjoy modern luxury homes and affordable townhomes.

Image of The Reserve at Ebenezer Neighborhood

The Reserve at Ebenezer

Known for its already substantial nature trail system, the Reserve at Ebenezer is an expanding master-planned community in Florence. This suburban haven is complete with convenient, trendy amenities.

Image of Wren Creek Neighborhood

Wren Creek

Retirees and budding families alike are simply enamored by the natural serenity of Wren Creek. This community in Florence, South Carolina is a charming hidden gem.

Image of Wilson Heights Neighborhood

Wilson Heights

Wilson Heights is a well-established area of Florence, South Carolina. Residents of these quaint, historic homes are drawn to the affordability and friendliness of Wilson Heights.

Image of Quinby Neighborhood


This tranquil paradise in Florence, South Carolina is home to many growing families and retirees. Residents enjoy the tight-knit community and rural atmosphere of Quinby.

Local Home Resources in Florence, SC

Fire Departments
Florence Fire Dept144 E Palmetto St
Florence, SC 29506
(843) 665-3216
Palmetto Rural Fire Dept1200 Pamplico Hwy
Florence, SC 29505

S C State - Forest Fire Management2100 W Lucas St
Florence, SC 29501
(843) 423-7900
West Florence Fire Dept3379 Pine Needles Rd
Florence, SC 29501
(843) 665-8857
Windy Hill Fire Dept103 N Williamson Rd
Florence, SC 29506
(843) 662-2050
Police Departments
Florence Police-narcotics Div180 N Irby St # Jj
Florence, SC 29501
Highway Patrol3415 E Palmetto St
Florence, SC 29506
Highway Patrol3415 E Palmetto St
Florence, SC 29506-4011