Save On Home Insurance in West Columbia, SC | TGS Insurance Agency

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Homeowners Insurance  »  South Carolina  »  

West Columbia

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


Getting the best homeowner’s insurance in West Columbia 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


West Columbia Home Insurance Coverage: The Basics


If you’re like most homeowners in West Columbia, your home is your most valuable asset, and you should protect it as such. It’s important to understand that when you create your home insurance policy, it should meet your individual needs. Insurance companies offer different levels of coverage, endorsements, and protections with varying conditions and limitations that enable policies to be customized. With that in mind, the most common types of coverage you will see on a homeowners insurance policy include: 


  • Dwelling coverage for the structure of your home.
  • Other structures coverage for structures not attached to your home, like detached garages, sheds, and fences.
  • Personal property coverage for replacing and repairing furniture, electronics, clothing, etc.
  • Loss of use coverage for additional living expenses if you need to stay somewhere else while your home is being repaired.
  • Personal liability coverage for legal bills if someone gets injured on your property or you cause damage and get sued.
  • Medical payment coverage helps cover medical expenses for nonhousehold members injured on your property.


Cost of Home Insurance in West Columbia


In West Columbia, the average home insurance costs $1,311 per year for TGS Insurance customers. The cost of your home insurance is based on several different factors, including, but not limited to:


  • The value of your home.
  • Where your home is.
  • How old your home is.
  • The number of residents in your home.
  • Your credit score.


These factors set a base for your home insurance, and then you can customize your coverage. The more coverage you choose to have, the more your yearly premium will be. TGS Insurance is here to help you find the best price without sacrificing any coverage you want.


Average West Columbia Home Insurance Cost By Coverage Level


Dwelling coverage is a fundamental element of home insurance that protects the physical structure of your home against covered hazards. The intention is to cover the expenses of repairing or rebuilding your home if it is damaged or destroyed due to a covered event. The amount of dwelling coverage needed depends on the cost of rebuilding your home. Your home insurance covers the policy limit- which is coverage for up to a specified dollar amount. It is critical to ensure that your dwelling coverage limit is sufficient to cover the cost of rebuilding your home in case of a complete loss. Dwelling coverage limits can significantly impact home insurance premiums, with higher limits resulting in higher premiums since the insurance company is assuming more risk.


In West Columbia, South Carolina, if you need $200,000 in dwelling coverage, you’ll pay an average of $1,213 per year. However, if your home is worth more, you’ll want more coverage, so homeowners wanting $400,000 in dwelling coverage will pay an average of $1,809 in West Columbia, South Carolina. 


Dwelling Coverage LimitsAverage Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00$1,104.02
$200,000.00 - $299,999.00$1,213.13
$300,000.00 - $399,999.00$1,492.22
$400,000.00 - $499,999.00$1,808.92


How Does Your Location in West Columbia 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 West Columbia:


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


West Columbia Zip Codes TGS Insurance Agency Covers


  • 29169
  • 29170
  • 29172


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 West Columbia's Premier Home Insurance Provider

West Columbia neighborhood

West Columbia, South Carolina, is in the Midlands region of the state. This area is well-known for its rich history and beautiful greenery. With a population of around 17,000, West Columbia is a great place for people who want to be near the capital of the Palmetto State. The convenience of this area in South Carolina draws people in.

West Columbia neighborhood

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

Key Home Statistics in West Columbia


Total Population in West Columbia, SC


Average Home Value in West Columbia, SC


Median Household Income in West Columbia, SC


Median Age in West Columbia, SC

Major Neighborhoods in West Columbia, SC

Image of The Avenues Neighborhood

The Avenues

The Avenues in West Columbia is close to the University of South Carolina and many different museums. Students in this area go to Lexington 2 District schools.

Image of Bradford Hills Neighborhood

Bradford Hills

Bradford Hills is a great location for families with younger children. There are over 5 sport complexes nearby for tennis, softball, soccer, and more! This makes taking kids to practice so much easier.

Image of Charwood Neighborhood


Charnwood homes are sought after in West Columbia because of their large lots and beautifully fenced in yards. When you choose to leave you oasis, there is easy access to the Columbia Metropolitan Airport.

Image of Dove Trace Neighborhood

Dove Trace

With Dove Trace being in West Columbia, it is in the perfect spot between Lexington and Columbia. This give Dove Trace residents access so many great shops, dining, and resources.

Image of Fox Crossing Neighborhood

Fox Crossing

Fox Crossing is a beautiful neighborhood in West Columbia, South Carolina. The schools, local shops, and green spaces around this neighborhood attract residents from all over the state to move here.

Image of Saluda Gardens Neighborhood

Saluda Gardens

With large, spacious lots, and mature trees, Saluda Gardens is a great neighborhood for families. Homes in this neighborhood are charming, traditional east coast homes.

Local Home Resources in West Columbia, SC

Fire Departments
Glassy Mountain Fire Dept100 Rolling Hills Ln
West Columbia, SC 29172
(864) 895-1106
Pine Grove Fire Station665 Old Barnwell Rd
West Columbia, SC 29170
(803) 359-7115
Slagle's Jack L Fire1818 Old Dunbar Rd
West Columbia, SC 29172
(803) 791-4555
South Congaree Fire Service300 Oak St
West Columbia, SC 29172
(803) 755-1345
West Columbia Fire Chiefs Office610 N 12th St
West Columbia, SC 29169
(803) 739-6225
Police Departments
Springdale Police Dept2915 Platt Springs Rd
West Columbia, SC 29172