Save On Home Insurance in Orangeburg, SC | TGS Insurance Agency

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Finding Affordable Orangeburg 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 Does Orangeburg 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 Orangeburg, 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 Cost of Home Insurance in Orangeburg, South Carolina? 


Your home insurance policy is crafted to fit your needs as a homeowner and protect your home. Your specific policy will look different from anybody else’s since it is built to protect your home and belongings. Look at how Orangeburg compares to other averages. 


National Average: $1,477

North Carolina Average: $1,215

Orangeburg, South Carolina Average: $1,563


Your home insurance premium can vary from these averages, but it is always good to compare. If your current homeowners insurance policy is much less expensive than the city average, you may not have enough coverage and be underinsured. If you pay much more than these averages, you could simply be overpaying for home insurance.


Average Homeowners Insurance Cost by Coverage Level in Orangeburg


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 Orangeburg, 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$1,274.75
$200,000.00 - $299,999.00$1,413.91
$300,000.00 - $399,999.00$1,776.08
$400,000.00 - $499,999.00$2,246.13


Does My ZIP Code Affect Home Insurance Premiums in Orangeburg?


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 Orangeburg, the ZIP code 29115 is the area with the lowest premium of $1,436 for TGS customers. The ZIP code with the highest premium is 29118, costing TGS customers an average of $1,626 annually. 


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


Orangeburg Zip Codes TGS Insurance Agency Covers


  • 29115
  • 29117
  • 29118


If your zip code is not listed, fret not! We have access to amazing rates for homeowners all across South Carolina. Simply enter your address above to get started with a free instant quote.

TGS Insurance is Orangeburg's Premier Home Insurance Provider

Orangeburg neighborhood

Orangeburg, South Carolina, is in the Midlands region of the state. This area is called “The Garden City” because it is home to the Edisto Memorial Gardens and hosts the Orangeburg Festival of Roses. With a population of around 13,000, Orangeburg is a great place for people who love to be outside.

Orangeburg neighborhood

The TGS Insurance Agency team understands that your home is more than just a place to live. We are grateful that numerous Orangeburg homeowners have entrusted us to help protect theirs with the right insurance coverage. Our independent agents are committed to finding each and every Orangeburg homeowner the proper coverage at competitive prices while delivering a superior customer service experience!

Key Home Statistics in Orangeburg


Total Population in Orangeburg, SC


Average Home Value in Orangeburg, SC


Median Household Income in Orangeburg, SC


Median Age in Orangeburg, SC

Major Neighborhoods in Orangeburg, SC

Image of Livingston Terrace Neighborhood

Livingston Terrace

Just around the corner from the hustle and bustle of Orangeburg, this burough brags easy access to urban amenities. Livingston Terrace is a very desirable neighborhood.

Image of Moss Hills Neighborhood

Moss Hills

This picturesque, Southern suburbia is nestled between lushious wetlands and a green, recreational expanse. It’s no wonder that so many families settle into Moss Hills.

Image of Brookdale Neighborhood


Brookdale is a sparse suburbia located just down the road from Claflin University and South Carolina State. Many college students enjoy the safety and proud history of this region.

Image of Creekmoor Neighborhood


This deeply-rooted neighborhood in Orangeburg, South Carolina has a mixture of updated and well-established homes. Creekmoor is popular for its Southern charm and vast greenery.

Image of Edisto Neighborhood


Edisto is celebrated for its tightly-knit community and ample opportunities to explore the great outdoors. This tranquil and affordable area of Orangeburg is popular with young families.

Image of Wilkinson Heights Neighborhood

Wilkinson Heights

Wilkinson Heights is a neighborhood in Orangeburg, South Carolina with a small town feel. This region is incredibly affordable and conveniently close to the heart of Orangeburg.

Local Home Resources in Orangeburg, SC

Fire Departments
Fire Departments - Canaan Fire Department- Business Purposes Only- Sta4208 Cannon Bridge Road
Orangeburg, SC 29115
(803) 531-1808
Fire Departments - Cordova Fire Department- Business Purposes Only- Sta117 Flashover Lane
Orangeburg, SC 29115
(803) 516-9694
Fire Departments - Edisto Fire Department- Business Purposes Only- Sta5907 Slab Landing Road
Orangeburg, SC 29115
(803) 536-2866
Four Holes Fire Dept1010 Gramling Rd
Orangeburg, SC 29115
(803) 536-6034
Jamison Fire Dept150 Kadee Ln
Orangeburg, SC 29118
(803) 531-1070
Jamison Volunteer Fire3791 Belleville Rd
Orangeburg, SC 29118
(803) 531-1070
Jamison Volunteer Fire Dept4200 Saint Matthews Rd
Orangeburg, SC 29118

Jamison Volunteer Fire Dept190 Gibson St
Orangeburg, SC 29115

Orangeburg County - Fire Coordinator2570 Saint Matthews Rd
Orangeburg, SC 29118
(803) 533-6218
West Middle Fire Dept158 Fire Fighter Ln
Orangeburg, SC 29115
(803) 539-0009
Police Departments
Highway PatrolPO Box 713
Orangeburg, SC 29116-0713
Orangeburg County Law Enfrcmnt1520 Ellis Ave
Orangeburg, SC 29118
Orangeburg Sheriff Office1520 Ellis Ave NE
Orangeburg, SC 29118