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

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Sumter, SC

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Shopping For Cheap Sumter 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.


Sumter Homeowners Insurance Coverage Explained


Your home is more than just a building – it’s where memories are made and cherished. That’s why having the right home insurance in Sumter is so important. A standard policy typically covers losses caused by weather, theft, and accidents and includes essential coverages like protection for your home’s structure, personal belongings, liability, and additional living expenses. But every homeowner’s needs differ, so working with a trusted agent who can help you customize your coverage is important. From adding flood insurance to increasing your liability limits, we’re here to help you protect what matters most.

How Much is Home Insurance in Sumter, South Carolina?


Sumter home insurance costs an average of $1,506 per year for TGS Insurance customers. This average is factored with policies with a 2% wind and hail coverage deductible and an average home value of $275,830. The cost of your home insurance premium will vary based on a few different things. This can be your credit, where you live, how much your house is worth, and the age of your home. Our instant home quote tool shops for you to find the best rates with just your address. After your instant quote, connect with one of our agents to further customize your coverage!


Home Insurance in Sumter Cost by Dwelling Coverage Limit


Dwelling coverage limits are one of the key factors that insurers consider when setting premiums. You’ll generally pay a higher premium if you choose a high dwelling coverage limit. However, it’s important to ensure adequate coverage to protect your home during a loss. If you have a mortgage on your home, your lender may require you to have a certain amount of dwelling coverage to protect your investment.


In Sumter, South Carolina, a policy with $200,000-$299,999 in dwelling coverage costs an average of $1,426 per year. However, if your home is worth more, you’ll want more coverage, so homeowners wanting $400,000-$499,999 in dwelling coverage will pay an average of $1,986 in Sumter, South Carolina.


Dwelling Coverage LimitsAverage Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00$1,282.50
$200,000.00 - $299,999.00$1,425.73
$300,000.00 - $399,999.00$1,626.78
$400,000.00 - $499,999.00$1,986.18


How Does Your Location in Sumter 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 Sumter:


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


Sumter Zip Codes We Insure


  • 29150
  • 29153
  • 29154


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 Sumter's Premier Home Insurance Provider

Sumter neighborhood

Sumter, South Carolina, is the eighth largest city in the state and is known for the biotech, textiles, healthcare, and agriculture industries. Since it is the center of commerce in central South Carolina, Sumter has gained a lot of traffic. The population increased from 40,000 people in 2000 to about 45,000 people today.

Sumter neighborhood

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

Key Home Statistics in Sumter


Total Population in Sumter, SC


Average Home Value in Sumter, SC


Median Household Income in Sumter, SC


Median Age in Sumter, SC

Major Neighborhoods in Sumter, SC

Image of Millwood Neighborhood


One of the most in-demand areas of Sumter, Millwood is brimming with upscale, spacious homes. With its short commute to the city center, Millwood is the perfect place for young professionals.

Image of South Sumter Neighborhood

South Sumter

South Sumter is a wonderful balance of affordable living and convenience. This quaint suburbia in Sumter, South Carolina is enjoyed by a diverse range of residents.

Image of Dalzell Neighborhood


An outdoors haven, Dalzell attracts many residents who enjoy its serene nature. Dalzell is truly one of the friendliest areas of eclectic Sumter, South Carolina.

Image of Stateburg Neighborhood


This area of Sumter, South Carolina is known for its diversity and active military members. Stateburg is a great place to find a rural feel with all the convenience of suburban life.

Image of Cane Savannah Neighborhood

Cane Savannah

With its local eateries and boutiques, Cane Savannah is the picture of suburbia. Residents of this area of Sumter enjoy easy access to amenities with the peace of a tight-knit community.

Image of Oakland Neighborhood


A hub of diversity, Oakland is a fresh and rapidly growing suburb. This area of Sumter is highly regarded for its economic stability and large population of active military members.

Local Home Resources in Sumter, SC

Fire Departments
City Of Sumter Fire Dept2041 Stadium Rd
Sumter, SC 29154
(803) 436-2611
Sumter Fire Dept129 E Hampton Ave
Sumter, SC 29150
(803) 436-2600
Police Departments
SC State Highway Patrol520 S Pike E
Sumter, SC 29154
Sc State Highway Patrol520 S Pike E
Sumter, SC 29150
Sumter City Police107 E Hampton Ave
Sumter, SC 29150
SUMTER, SC 29154
Sumter County Sheriff's Office107 E Hampton Ave
Sumter, SC 29150
Sumter Police Dept107 E Hampton Ave
Sumter, SC 29150