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

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Gaffney, SC

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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 Gaffney 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 Gaffney 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 Gaffney, there’s no shortage of options. A standard policy typically covers a variety of losses, including damage caused by weather, theft, and accidents. However, 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.


How Much Does Gaffney Home Insurance Cost?


On average, a TGS customer in Gaffney would pay $1,102 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 $239,257 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 Gaffney 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 Gaffney, South Carolina, if you need $250,000 in dwelling coverage, you’ll pay an average of $1,104 per year. However, if your home is worth more, you’ll want more coverage, so homeowners wanting $450,000 in dwelling coverage will pay an average of $1,499 in Gaffney, South Carolina.


Dwelling Coverage LimitsAverage Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00$979.37
$200,000.00 - $299,999.00$1,103.98
$300,000.00 - $399,999.00$1,324.24
$400,000.00 - $499,999.00$1,499.03


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 Gaffney, the ZIP code 29340 has the lowest average premium of $1,064 for TGS customers. The ZIP code with the highest premium is 29341, costing TGS customers an average of $1,135 a year.


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


Gaffney Zip Codes TGS Insurance Agency Covers


  • 29340
  • 29341


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 Gaffney's Premier Home Insurance Provider

Gaffney neighborhood

Gaffney, South Carolina, is in the Mountain region of the state. This area is known as the peach capital of South Carolina and has a famous peach-shaped water tower. With a population of around 12,000, Gaffney is a great place for people who love a strong sense of community. Gaffney is known as a great place to raise children and for people to retire.

Gaffney neighborhood

When choosing an insurance agency for your Gaffney 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 Gaffney


Total Population in Gaffney, SC


Average Home Value in Gaffney, SC


Median Household Income in Gaffney, SC


Median Age in Gaffney, SC

Major Neighborhoods in Gaffney, SC

Image of Mill Hill Neighborhood

Mill Hill

Mill Hill is a smaller neighborhood in Gaffney. Residents of this area enjoy being with their neighbors, shopping at local boutiques, and dining downtown.

Image of Frederick Neighborhood


This neighborhood is in and around Gaffney residential Historic District, so there is a lot of variety of homes. People love the history, walkability and friendliness of this Frederick.

Image of Rutledge Acres Neighborhood

Rutledge Acres

Rutledge Acres is in the northwest side of Gaffney and is a smaller neighborhood. Residents compliment Rutledge Acres' peacefulness, how it is well- maintained, and the cleanliness.

Local Home Resources in Gaffney, SC

Fire Departments
Asbury Rehoboth Volunteer Fire5837 Union Hwy
Gaffney, SC 29340
(864) 491-8846
Cherokee Creek Fire Dept410 Buck Shoals Rd
Gaffney, SC 29341
(864) 489-0172
Corinth Volunteer Fire Dept484 Corinth Rd
Gaffney, SC 29340
(864) 487-5052
Gaffney City - Fire Department203 N Limestone St
Gaffney, SC 29340
(864) 487-2747
Gaffney Fire Dept205 N Limestone St
Gaffney, SC 29340

Grassy Pond Volunteer Fire168 School Rd
Gaffney, SC 29341
(864) 489-1090
Police Departments
Cherokee Sheriff's Office312 E Frederick St
Gaffney, SC 29340
Cherokee Sheriff's Office312 E FREDERICK ST
GAFFNEY, SC 29340-2411
Cherokee Sheriff's-Records Ofc312 E Frederick St
Gaffney, SC 29342
Gaffney Police Dept201 N Limestone St
Gaffney, SC 29342
Gaffney Police Dept.201 N Limestone St
Gaffney, SC 29340-3135
Sheriff's Office312 E Frederick St
Gaffney, SC 29340