Save On Home Insurance in Rock Hill, SC | TGS Insurance Agency

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Homeowners Insurance  »  South Carolina  »  

Rock Hill

Finding Affordable Rock Hill 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 Rock Hill 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 Rock Hill.


What is the Cost of Home Insurance in Rock Hill, 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 Rock Hill compares to other averages. 


National Average: $1,477

North Carolina Average: $1,215

Rock Hill, South Carolina Average: $1,157


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 be overpaying for home insurance.


Average Home Insurance Quotes in Rock Hill by Coverage Level


Dwelling coverage is a critical aspect of home insurance that protects your home’s physical structure from covered hazards. Typically, your home insurance policy provides coverage up to a specified dollar amount, known as the policy limit. Ensuring that your dwelling coverage limit is sufficient to rebuild your home in the event of a total loss is critical. Since the insurance company assumes more risk, dwelling coverage limits may significantly impact home insurance premiums, with higher limits resulting in higher premiums. Below is a breakdown of the average home insurance premium based on dwelling coverage limits.


Dwelling Coverage LimitsAverage Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00$925.96
$200,000.00 - $299,999.00$1,017.09
$300,000.00 - $399,999.00$1,244.93
$400,000.00 - $499,999.00$1,516.84


How Does Your Location in Rock Hill Affect Your Home Insurance?


Where you live is one of the biggest factors that affect your home insurance premium. This gets so specific that carriers look at ZIP codes and neighborhoods. If your neighborhood has a higher theft rate than another neighborhood a few blocks down, your rates will be higher. Because carriers are very particular with risk evaluations, rates vary greatly-even within the same city. Below is a breakdown of the average annual premium for home insurance in Rock Hill:

map of Rock Hill, SC with overlay of average homeowners insurance premiums by zip code

Rock Hill Zip Codes TGS Insurance Agency Insures


  • 29730
  • 29732
  • 29733


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 Rock Hill's Premier Home Insurance Provider

Rock Hill neighborhood

Rock Hill, South Carolina, is a business-savvy mixture of historic charm and responsibly implemented expansion. Rock Hill is the largest city in York County, SC, and the only major South Carolina city in Charlotte. The city is located in the north-central area of South Carolina. Rock Hill is a growing community of nearly 75,000 residents.

Rock Hill neighborhood

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

Key Home Statistics in Rock Hill


Total Population in Rock Hill, SC


Average Home Value in Rock Hill, SC


Median Household Income in Rock Hill, SC


Median Age in Rock Hill, SC

Major Neighborhoods in Rock Hill, SC

Image of Winthrop Heights Neighborhood

Winthrop Heights

This affordable area of Rock Hill, South Carolina is popular for families. In Winthrop Heights, residents enjoy convenient access to a diverse range of schools, including Winthrop University.

Image of Newport Neighborhood


A thriving suburb, Newport, South Carolina boasts a tight-knit community. With its relative proximity to Rock Hill and Charlotte, North Carolina, it’s no wonder that most residents move here to stay.

Image of Riverwalk Neighborhood


Riverwalk is an expanding, master-planned community in Rock Hill, South Carolina. Many new residents are drawn to the convenient access to shops, eateries and entertainment on the riverfront.

Image of India Hook Neighborhood

India Hook

This Rock Hill suburb on Lake Wylie is enjoyed largely by young professionals. Its variety of outdoor activities and reasonable commute time give India Hook, South Carolina a great lifestyle balance.

Image of Rawlinson Acres Neighborhood

Rawlinson Acres

One of the most desirable areas of Rock Hill, South Carolina, Rawlinson Acres is known for its unique blend of fifty-year-old, Southern-style estates and contemporary mansions.

Image of Laurel Creek Neighborhood

Laurel Creek

Laurel Creek is a community in the heart of Rock Hill, South Carolina. This area is appreciated for its perfect blend of urban convenience and abundant green space.

Local Home Resources in Rock Hill, SC

Fire Departments
Bethesda Fire Department1705 Highway 324
Rock Hill, SC 29730
(803) 328-0779
Bethesda Fire Dept Station 22144 McConnells Hwy
Rock Hill, SC 29732
(803) 329-8865
Lesslie Fire Dept3191 Lesslie Hwy
Rock Hill, SC 29730
(803) 324-0828
Newport Fire Dept130 Marion St
Rock Hill, SC 29732
(803) 329-3977
Newport Fire Dept5198 Hampton Ridge Rd
Rock Hill, SC 29732
(803) 366-3638
Oakdale Fire Dept2633 Saluda Rd
Rock Hill, SC 29730
(803) 328-0793
Rock Hill Fire Dept214 S Elizabeth Ln
Rock Hill, SC 29730
(803) 329-7220
Rock Hill Fire Dept920 Cherry Rd
Rock Hill, SC 29732
(803) 329-7242
Rock Hill Fire Dept1147 Springdale Rd
Rock Hill, SC 29730
(803) 326-3700
Rock Hill Fire Dept924 Cherry Rd
Rock Hill, SC 29732
(803) 329-7242
York County Government - Fire Prevention2151 Ogden Rd
Rock Hill, SC 29730
(803) 324-5354
Police Departments
Rock Hill Police Dept46 SUNSET DR
Rock Hill Police Dept120 E Black St
Rock Hill, SC 29734
Rock Hill Police Dept120 E Black St
Rock Hill, SC 29730-4530