Save On Home Insurance in Irmo, 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 Irmo 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!

Irmo Home Insurance Coverage: The Basics


If you’re like most homeowners in Irmo, your home is your most valuable asset, and you should protect it as such. It’s important to understand that when you create your home insurance policy, it should meet your individual needs. Insurance companies offer different levels of coverage, endorsements, and protections with varying conditions and limitations that enable policies to be customized. With that in mind, the most common types of coverage you will see on a homeowners insurance policy include: 


  • Dwelling coverage for the structure of your home.
  • Other structures coverage for structures not attached to your home, like detached garages, sheds, and fences.
  • Personal property coverage for replacing and repairing furniture, electronics, clothing, etc.
  • Loss of use coverage for additional living expenses if you need to stay somewhere else while your home is being repaired.
  • Personal liability coverage for legal bills if someone gets injured on your property or you cause damage and get sued.
  • Medical payment coverage helps cover medical expenses for nonhousehold members injured on your property.


How Much Does Irmo Home Insurance Cost?


On average, a TGS customer in Irmo would pay $1,400 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 $303,536 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 Homeowners Insurance Cost by Coverage Level in Irmo


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 Irmo, 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$1,080.09
$200,000.00 - $299,999.00$1,219.54
$300,000.00 - $399,999.00$1,515.04
$400,000.00 - $499,999.00$1,805.53


How the Age of Your Irmo Home Affects Your Insurance


The age of your home can affect your insurance in many ways. Older homes are more at risk of electrical, plumbing, and heating/cooling complications. These issues increase the risk of fire and water damage in homes. Also, older homes can be less structurally sound than newer homes. This could lead to more damage when natural disasters-like hurricanes- come through. All of these can result in higher insurance premiums. In contrast, newer homes may be immune to these issues, making them cheaper to insure.


Zip Codes in Irmo We Insure


  • 29063


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 Irmo's Premier Home Insurance Provider

Irmo neighborhood

Irmo, South Carolina, is in the Midlands region of the state. This area prides itself on great local restaurants, beautiful parks, and the Okra Strut Festival. Irmo has been known as Tree City USA since 2009. With a population of around 11,500, Irmo is great for people who like the community of suburbia with the option to travel to larger cities nearby,

Irmo neighborhood

TGS Insurance Agency offers the residents of Irmo 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 Irmo


Total Population in Irmo, SC


Average Home Value in Irmo, SC


Median Household Income in Irmo, SC


Median Age in Irmo, SC

Major Neighborhoods in Irmo, SC

Image of Yacht Cove Neighborhood

Yacht Cove

Complete with a private marina on the crystal clear waters of Lake Murray, Yacht Cove is the place to be for fishing, boating, and other outdoor adventures in Irmo, South Carolina.

Image of Harbison Neighborhood


This flourishing region of Irmo is named for its proximity to the Harbison State Forest. Residents in Harbison enjoy expansive nature trails and easy access to shopping and eateries.

Image of Chestnut Hill Plantation Neighborhood

Chestnut Hill Plantation

The Chestnut Hill Plantation community is a very popular place for young families to call home. This area of Irmo is right on the Broad River, and offers a plethora of outdoor activities.

Image of Sandhurst Neighborhood


Sandhurst is an established and spacious Irmo suburb. Home to many large families, this neighborhood is enjoyed by residents for its greenery and brief commute to Columbia.

Image of Nursery Hill Neighborhood

Nursery Hill

This beautiful Irmo suburb is conveniently located near entertainment, shopping, restaurants, and recreation. Nursery Hill is also popular for its proximity to quality primary and secondary schools.

Image of Ascot Neighborhood


Ascot is a budding suburban utopia in Irmo, South Carolina. This neighborhood strikes a perfect balance of rural tranquility, outdoor recreation, and proximity to nearby amenities.

Local Home Resources in Irmo, SC

Fire Departments
Irmo Fire Dept
Irmo, SC

Police Departments
Irmo Police DeptPO Box 406
Irmo, SC 29063