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:
- 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 Limits Average 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 Zip Codes We Insure
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.