Save On Home Insurance in Mount Pleasant, SC | TGS Insurance Agency

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Mount Pleasant, SC

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Homeowners Insurance  »  South Carolina  »  

Mount Pleasant

Finding Affordable Mount Pleasant 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.


Mount Pleasant Home Insurance Coverage


The beauty of home insurance is that it can be tailored to fit you and your situation. Typically, a standard home insurance policy covers the following:


  • Coverage for your home and other structures on your property, like detached garages
  • Coverage for your belongings inside your home, like clothes and furniture
  • Liability coverage for guests that may be injured on your property
  • It covers additional living expenses if you need temporary lodging while your home is being repaired


What is the Average Cost of Home Insurance in Mount Pleasant?

In Mount Pleasant, the average cost of home insurance for TGS Insurance customers is $3,314 per year. While the cost of your policy will depend on several factors, such as the value and age of your home, your location, and your credit score, our agents can help you find the coverage you need at a price you can afford. We’ll work with you to customize your coverage and ensure you’re not sacrificing anything important to save money.

Average Mount Pleasant 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 Mount Pleasant, South Carolina, if you need $200,000 in dwelling coverage, you’ll pay an average of $2,668 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 $3,940 in Mount Pleasant, South Carolina.


How Does Location Affect Your Home Insurance in Mount Pleasant?


Just like your auto insurance, location is an important factor in determining your home insurance rates in Mount Pleasant. For example, your premium may be higher if your city has a history of perils like vandalism, theft or even in an area with a weather risk. Conversely, your location could positively impact and lower your premium. In Mount Pleasant, the ZIP code with the highest average premium is 29464. The average cost for that ZIP code is $3,629. Below is a comparison of the average cost of home insurance within ZIP codes of Mount Pleasant: 

map of Mount Pleasant, South Carolina, with overlay of average home insurance premiums by zip code

Mount Pleasant Zip Codes We Insure


  • 29464
  • 29466


Don’t see your zip code? It’s okay! At TGS Insurance Agency, we have access to a wide range of insurance carriers and products to help homeowners throughout South Carolina save money on their home insurance. Get a free, instant quote today and protect yourself, your family, and your home from the unexpected.

TGS Insurance is Mount Pleasant's Premier Home Insurance Provider

Mount Pleasant neighborhood

Mount Pleasant, South Carolina, is a town located on the central coast, just east of Charleston. It was founded in 1680, and since it is a coastal town, it is known for its shrimp boats, seafood restaurants, and the Patriot Point Naval and Maritime Museum. It was the state’s fastest-growing population for years- doubling between 1990 and 2000.

Mount Pleasant neighborhood

As an independent insurance agency, our commitment is to our client's best interests. TGS Insurance Agency is committed to finding Mount Pleasant residents home insurance options to meet their every need at a competitive price coupled with exceptional customer service.

Key Home Statistics in Mount Pleasant


Total Population in Mount Pleasant, SC


Average Home Value in Mount Pleasant, SC


Median Household Income in Mount Pleasant, SC


Median Age in Mount Pleasant, SC

Major Neighborhoods in Mount Pleasant, SC

Image of Carolina Park Neighborhood

Carolina Park

Carolina Park is a large community in Mount Pleasant, South Carolina. There are boutiques, restaurants, and the beach is just a short drive away.

Image of Waters Edge Neighborhood

Waters Edge

Waters Edge is a developing neighborhood. People are building in this area because of the amenities that are available. There is a community dock and protected walking trains to the nearby lake.

Image of The Old Village Neighborhood

The Old Village

The Old Village is closer to downtown Mount Pleasant, making it have great beach access. Homes in this area are a mix between original and renovated properties.

Image of Park West Neighborhood

Park West

Park West is known as being the largest community in Mount Pleasant. They feature full gyms, tennis courts, recreational pools, and a daycare. Park West is great for active residents.

Image of Fox Pond Neighborhood

Fox Pond

Fox Pond is a beautiful neighborhood in Mount Pleasant, SC. This area has traditional coastal homes that are perfect distance from the beach and Charleston.

Image of Grassy Creek Neighborhood

Grassy Creek

Grassy Creek is a wealthy neighborhood in Mount Pleasant. This area has great schools, parks, and a floating dock for residents to enjoy in the summertime.