Save On Home Insurance in North Charleston, SC | TGS Insurance Agency

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North Charleston, SC

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Homeowners Insurance  »  South Carolina  »  

North Charleston

Finding Affordable North Charleston 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 North Charleston 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 North Charleston.


Cost of Home Insurance in North Charleston


In North Charleston, the average home insurance costs $2,204 per year for TGS Insurance customers. The cost of your home insurance is based on several different factors, including, but not limited to:


  • The value of your home.
  • Where your home is.
  • How old your home is.
  • The number of residents in your home.
  • Your credit score.


These factors set a base for your home insurance, and then you can customize your coverage. The more coverage you choose to have, the more your yearly premium will be. TGS Insurance is here to help you find the best price without sacrificing any coverage you want.


Average Cost of North Charleston 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. For TGS customers with a $200,000 dwelling coverage limit, their premium averages at $1,973 per year. 


Dwelling Coverage LimitsAverage Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00$1,775.64
$200,000.00 - $299,999.00$1,972.79
$300,000.00 - $399,999.00$2,479.70
$400,000.00 - $499,999.00$2,993.28


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 North Charleston, the ZIP code 29418 has the lowest average premium of $2,051 for TGS customers. The ZIP code with the highest premium is 29405, costing TGS customers an average of $2,295 a year.

North Charleston, South Carolina, map with average home premiums by zip code

North Charleston Zip Codes We Insure


  • 29405
  • 29418
  • 29420


Zip code not listed? Don’t worry! We can help homeowners throughout South Carolina save money on their home insurance. Get started with a free instant quote by providing your address above.

TGS Insurance is North Charleston's Premier Home Insurance Provider

North Charleston neighborhood

The young city of North Charleston was established in 1972 and is unique in its scenery and atmosphere. There are many things to see and do around the City of North Charleston. Beautiful parks, gardens, and historical sites are nearby as some of the country’s finest cultural events. There is access to museums, theaters, art galleries, and more.

North Charleston neighborhood

When choosing an insurance agency for your North Charleston 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 North Charleston


Total Population in North Charleston, SC


Average Home Value in North Charleston, SC


Median Household Income in North Charleston, SC


Median Age in North Charleston, SC

Major Neighborhoods in North Charleston, SC

Image of Indigo Fields Neighborhood

Indigo Fields

Indigo Fields is a suburb in North Charleston that features beautiful traditional homes. This is an established area near local shops and dining

Image of Oak Terrace Preserve Neighborhood

Oak Terrace Preserve

With parks and greenery sprinkled throughout the neighborhood, Oak Terrace Park is a great place for those who love to bike, hike, or just stroll among the South Carolina trees.

Image of The Park at Rivers Edge Neighborhood

The Park at Rivers Edge

Being one of the first gated communities in North Charleston, The Park at Rivers Edge is a safe and beautiful community for families. There are 5 subdivisions in this neighborhood.

Image of Olde North Charleston Neighborhood

Olde North Charleston

Olde North Charleston is a beautiful area is the Park Circle area of North Charleston. This neighborhood is known for its excellent sense of community, and peacefulness.

Image of Wando Woods Neighborhood

Wando Woods

Wando Woods is an established neighborhood in North Charleston, SC. This area is known for its rich history, and traditional brick ranch houses.

Image of Cameron Terrace Neighborhood

Cameron Terrace

Cameron Terrace is a neighborhood in North Charleston that has a strong sense of community. There are monthly meetings of the HOA, and events hosted by the neighborhood.

Local Home Resources in North Charleston, SC

Fire Departments
Ashley River Fire Dept8045 Dorchester Rd
North Charleston, SC 29418

Police Departments
North Charleston Police Animal4900 Lacross Rd
North Charleston, SC 29406
North Charleston Police Dept4900 Lacross Rd
North Charleston, SC 29420
North Charleston Police South3401 Rivers Ave
North Charleston, SC 29420
North Charleston Police South3401 Rivers Ave
North Charleston, SC 29405