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

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Shopping For Cheap Simpsonville Home Insurance Is Easier Than You Think 


As an independent agency, we represent 55+ top-rated insurance carriers, which allows us to offer comprehensive insurance options to meet your every need. The best part? Our highly qualified homeowners insurance agents do the hard work for you, making your home insurance shopping process easy and stress-free. Your savings start with an instant, free quote. Our agents are ready to help you further customize your quote and find any discounts you might qualify for! 


We shop. You Save. Yes, it really is that easy.


What Does Simpsonville 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 Simpsonville, 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.

How Much Does Simpsonville Home Insurance Cost?


On average, a TGS customer in Simpsonville would pay $1,356 per year for home insurance. Home insurance rates vary based on several factors, including your home’s age, value, and location, as well as your credit score and desired coverage levels. This average is based on policies with an average home value of $341,053 and includes windstorm and hail coverage with a 2% deductible. TGS Insurance Agency offers customizable options to all our customers so you can find the right policy and pay what you want. Get started with a free instant home insurance quote by providing your address above.


Average Homeowners Insurance Cost by Coverage Level in Simpsonville


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 Simpsonville, 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$1,008.06
$200,000.00 - $299,999.00$1,104.26
$300,000.00 - $399,999.00$1,354.28
$400,000.00 - $499,999.00$1,649.04


How Simpsonville Home Insurance is Affected By the Size of Your Home


When it comes to determining the cost of your home insurance, there’s a lot that goes into it. Carriers will look at your home’s age, location, and size- among other things. The size of your home is a factor because it affects your replacement cost. 


If you have a house with higher square footage, your home will be more expensive to rebuild if a total covered loss damages it. If you think about it, a larger house requires more building materials, time, and manpower to rebuild from the ground up. It goes the other way for smaller homes. If you have less house to rebuild, your home insurance premium will be lower. 


Does My ZIP Code Affect Home Insurance Premiums in Simpsonville?


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 Simpsonville, the ZIP code 29680 is the area with the lowest premium of $1,246 for TGS customers. The ZIP code with the highest premium is 29681, costing TGS customers an average of $1,412 a year. 


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


Zip Codes in Simpsonville TGS Insurance Covers


  • 29680
  • 29681


Don’t see your zip code? We’ve got you covered! We make shopping for the best home insurance easy and hassle-free for all residents throughout South Carolina. Get started today with a free, instant quote!

TGS Insurance is Simpsonville's Premier Home Insurance Provider

Simpsonville neighborhood

Simpsonville, South Carolina, made the list of the best places to live in the state because of its strong sense of community, charm, and attractions. Simpsonville is one of the safest cities in South Carolina and has well-rated schools. From great shopping to country clubs, Simpsonville has something for people of any age.

Simpsonville neighborhood

When choosing an insurance agency for your Simpsonville 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 Simpsonville


Total Population in Simpsonville, SC


Average Home Value in Simpsonville, SC


Median Household Income in Simpsonville, SC


Median Age in Simpsonville, SC

Major Neighborhoods in Simpsonville, SC

Image of Neely Farm Neighborhood

Neely Farm

Neely Farms homes were built in the 90s and are unique. The area is tranquil and secluded while being close enough to town that it is perfectly distanced to grocery stores and restaurants.

Image of Stonehaven Neighborhood


One of the more upscale areas in Simpsonville, Stonehaven has large homes with above-average lots. Stonehaven is close to the highway, Simpsonville local restaurants and boutiques.

Image of Verdmont Neighborhood


Close to large medical facilities and local shops, Verdmont is in a great location in Simpsonville. This area has a variety of different homes and a great community center with a pool, clubhouse and gardens.

Image of Gilder Creek Farm Neighborhood

Gilder Creek Farm

Gilder Creek Farm is a neighborhood that is meant for everybody. This area has houses for newlyweds, large families, and retirees. The amenities in this area are so great and residents love them.

Image of Kilgore Farms Neighborhood

Kilgore Farms

Kilgore Farms is a great neighborhood in Simpsonville, South Carolina. This area has access to great dining, local shops, and entertainment that the whole family will enjoy.

Image of Gresham Woods Neighborhood

Gresham Woods

Gresham Woods is a beloved area in Simpsonville. This area is known for its beautiful landscaping and gardening. Residents are seen walking, biking, and enjoying the safety of this neighborhood.

Local Home Resources in Simpsonville, SC

Fire Departments
Clear Spring Fire & Rescuedept3008 Woodruff Rd
Simpsonville, SC 29681
(864) 288-1173
Clear Spring Fire/Rescue2435 E Georgia Rd
Simpsonville, SC 29681
(864) 228-6090
East Simpsonville Fire Dept320 Bethany Rd
Simpsonville, SC 29681

Plham Batesvoville Fire Dept431 Batesville Rd
Simpsonville, SC 29681
(864) 458-7421
Simpsonville City - City Hall- Fire Department Office118 NE Main St
Simpsonville, SC 29681
(864) 967-9526
Simpsonville Fire Dept403 E Curtis St
Simpsonville, SC 29681
(864) 967-9545
Police Departments
Simpsonville Police Dept405 E Curtis St
Simpsonville, SC 29681
Simpsonville Police-Narcotics405 E Curtis St
Simpsonville, SC 29681