Save On Home Insurance in Myrtle Beach, SC | TGS Insurance Agency

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Myrtle Beach, SC

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Homeowners Insurance  »  South Carolina  »  

Myrtle Beach

Getting a Myrtle Beach Home Insurance Quote is as Easy as 1-2-3! 


Getting the best homeowner’s insurance in Myrtle Beach is easy when you use TGS Insurance’s proprietary online quoting tool for a free, no-obligation quote. Did we mention it only takes 15 seconds?


  1. Enter your address
  2. View your quote 
  3. Customize your coverage with the guidance of one of our expert independent agents


What Does Myrtle Beach 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 Myrtle Beach, there’s no shortage of options. A standard policy typically covers a variety of losses, including damage caused by weather, theft, and accidents. But 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.


What is the Average Cost of Home Insurance in Myrtle Beach?

In Myrtle Beach, the average cost of home insurance for TGS Insurance customers is $2,360 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 Cost of Myrtle Beach Home Insurance by Dwelling Coverage Amount


Typical home insurance includes dwelling coverage which covers the costs of repairing or rebuilding your home if it sustains damage or is destroyed due to a covered event. The limit of your dwelling coverage should match the rebuilding cost of your home, and the higher the limit, the more substantial the impact on home insurance premiums since the insurance company bears more risk. TGS customers with a $250,000 dwelling coverage limit average their premium at $2,039 per year. 


Dwelling Coverage LimitsAverage Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00$1,818.45
$200,000.00 - $299,999.00$2,039.12
$300,000.00 - $399,999.00$2,619.78
$400,000.00 - $499,999.00$3,292.93
$500,000.00 - $599,999.00$4,294.59
$600,000.00 - $699,999.00$5,210.04


Does My ZIP Code Affect Home Insurance Premiums in Myrtle Beach?


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 Myrtle Beach, the ZIP code 29579 has the lowest average premium of $1,961 for TGS customers. The ZIP code with the highest premium is 29572, costing TGS customers an average of $4,972 annually. 


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


Myrtle Beach Zip Codes TGS Insurance Agency Insures

  • 29572
  • 29575
  • 29577
  • 29579
  • 29588


Don’t worry if you don’t see your zip code above! We can find incredible rates for homeowners throughout South Carolina.  Enter your address above for a free instant home insurance quote.

TGS Insurance is Myrtle Beach's Premier Home Insurance Provider

Myrtle Beach neighborhood

Myrtle Beach, a city known for its vacation resort-style on South Carolina’s coast, is the hub of the Grand Strand, a 60-mile string of beaches. It’s also known for its golf courses. Along its beachfront boardwalk are arcades stands the country’s tallest Ferris wheel, the Skywheel. This beach town has been a tourist hub for years.

Myrtle Beach neighborhood

TGS Insurance Agency offers the residents of Myrtle Beach 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 Myrtle Beach


Total Population in Myrtle Beach, SC


Average Home Value in Myrtle Beach, SC


Median Household Income in Myrtle Beach, SC


Median Age in Myrtle Beach, SC

Major Neighborhoods in Myrtle Beach, SC

Image of Arcadia Neighborhood


The Arcadia region of Myrtle Beach is the perfect balance of adventure and convenience. Many families choose Arcadia because of the great schools in the area as well as its many amenities.

Image of Windsor Plantation Neighborhood

Windsor Plantation

Windsor Plantation is known for its luscious greenery and central location. Situated right around the corner from entertainment, shops, eateries, and Myrtle Beach, this borough is in high demand.

Image of Arrowhead Neighborhood


This tranquil neighborhood is popular for its waterfront properties and golf course views. Arrowhead is home to some of the most beautiful and affordable properties in Myrtle Beach.

Image of Market Common Neighborhood

Market Common

The Market Common area of Myrtle Beach, South Carolina is up -and-coming and in the heart of the hustle and bustle of this charming beach town. This pristine borough is growing in popularity.

Image of Grande Dunes Neighborhood

Grande Dunes

Grande Dunes is home to a diverse range of residents and houses, from quaint cottages to luxurious estates. This tight-knit Myrtle Beach community enjoys marina access and the scenic Waterway Trail.

Image of Carolina Forest Neighborhood

Carolina Forest

This sprawling, family-centric community is just around the corner from Myrtle Beach. Carolina Forest residents enjoy the proximity to diverse restaurants and peaceful nature conservatories.

Local Home Resources in Myrtle Beach, SC

Fire Departments
Horry County Fire Dept 45701 International Dr
Myrtle Beach, SC 29579
(843) 903-4094
Police Departments
Myrtle Beach Airport Police1100 Jet Port Rd
Myrtle Beach, SC 29588
Myrtle Beach City Police1101 N Oak St
Myrtle Beach, SC 29588
Myrtle Beach Police Dept1101 N Oak St
Myrtle Beach, SC 29588