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

Save on Home Insurance in
Summerville, SC

We ONLY need your address

Quote looks like this
An Example Quote

See What Our Clients Have to Say


trust star

Based on 2,615 reviews

Showing our 4 & 5 star reviews
Homeowners Insurance  »  South Carolina  »  


Getting a Summerville Home Insurance Quote is as Easy as 1-2-3! 


Getting the best homeowner’s insurance in Summerville is easy when you use TGS Insurance’s proprietary online quoting tool for a free, no-obligation quote. Did we mention it only takes 15 seconds?


  1. Enter your address
  2. View your quote 
  3. Customize your coverage with the guidance of one of our expert independent agents


What is Covered in Summerville Home Insurance?


Don’t let unexpected losses threaten your home and personal belongings. With home insurance in Summerville, you can have peace of mind knowing you’re covered against various risks. A standard policy typically covers your home’s structure, personal belongings, liability, and additional living expenses. But not all policies are created equal, so it’s important to work with an agent who can help you customize your coverage to fit your unique needs. Whether you need more protection for your high-value items or want to add coverage for specific risks like earthquakes or floods, we’ve got you covered.


What Does Home Insurance Cost in Summerville?


Homeowners insurance in Summerville costs $1,648 a year among TGS Insurance customers. The cost of your home insurance premium will vary based on a few different things. This can be from your credit, location, value of your home, and what year your home was built. It is normal for your home insurance to vary from this average and other numbers you see online. The great thing about it is that you can completely customize your coverage.TGS has helped over 15,000 customers save on their home insurance premiums. To lock in your savings, type your address above for an instant quote!


Average Home Insurance Quotes in Summerville 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$1,320.35
$200,000.00 - $299,999.00$1,458.88
$300,000.00 - $399,999.00$1,810.64
$400,000.00 - $499,999.00$2,205.63


Does My ZIP Code Affect Home Insurance Premiums in Summerville?


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 Summerville, the ZIP code 29483 is the area with the lowest premium of $1,618 for TGS customers. The ZIP code with the highest premium is 29485, costing TGS customers an average of $1,676 a year. 


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


Summerville Zip Codes We Insure


  • 29483
  • 29485


Don’t see your zip code? It’s okay! At TGS Insurance Agency, we have access to a wide range of insurance carriers and products to help homeowners throughout South Carolina save money on their home insurance. Get a free, instant quote today and protect yourself, your family, and your home from the unexpected.

TGS Insurance is Summerville's Premier Home Insurance Provider

Summerville neighborhood

Summerville, South Carolina, is famously known as the birthplace of sweet tea. The city uses this fun fact to draw in tourists. They feature a gorgeous and bright mural of a glass of sweet tea at the visitor's center and even are home to the largest sweet tea in the world. Named Mason, this piece of art sits in the historic downtown of Summerville.

Summerville neighborhood

TGS Insurance Agency offers the residents of Summerville and the surrounding areas the most comprehensive homeowner’s insurance coverage in North Carolina, coupled with the industry’s best customer service. Get a free quote today and protect your home from unexpected events.

Key Home Statistics in Summerville


Total Population in Summerville, SC


Average Home Value in Summerville, SC


Median Household Income in Summerville, SC


Median Age in Summerville, SC

Major Neighborhoods in Summerville, SC

Image of Historic District Neighborhood

Historic District

Located near the historic Old Town of Summerville, South Carolina, the Historic District is a desirable and well-established area. Many of the large, Southern-style homes here are over 50 years old.

Image of Ashborough Neighborhood


Residents of Ashborough enjoy its tight-knit community and proximity to Charleston, South Carolina. Popular with young families, this is among the greenest and most affordable areas of Summerville.

Image of Cane Bay Plantation Neighborhood

Cane Bay Plantation

This budding Summerville community is complete with nature trails, amenities, and great schools. A suburban utopia, Cane Bay Plantation is a desirable place to raise a family in South Carolina.

Image of Wescott Plantation Neighborhood

Wescott Plantation

Known for its expansive golf course, the desirable Wescott Plantation is a mixed community in Summerville, attracting families, retirees, and young professionals, alike.

Image of Nexton Neighborhood


Nexton is a flourishing, green suburbia in Summerville, South Carolina. This area is the perfect balance of natural tranquility and convenience, boasting a short commute and trendy amenities.

Image of Summers Corner Neighborhood

Summers Corner

Home to Buffalo Lake and an impressive Performing Arts Center, Summers Corner is one of the most rapidly growing suburban communities in Summerville, South Carolina.

Local Home Resources in Summerville, SC

Fire Departments
C & B Fire DepartmentRoyle Rd
Summerville, SC 29483
(843) 873-0714
Fire Dept-Town of Summerville300 W 2nd North St
Summerville, SC 29483
(843) 873-5107
Old Fort Fire Dept4214 Ladson Rd
Summerville, SC 29456
(843) 873-5620
Pine Ridge Fire Department565 Myers Rd
Summerville, SC 29483
(843) 875-1822
Police Departments
Dorchester Cnty Sheriff-record212 Deming Way
Summerville, SC 29483