North CarolinaHomeowners Insurance

The average monthly cost of home insurance in Burlington, NC is $46.

Did you know that your home's size, location, age, and building materials all play a role in determining how much you pay for your Burlington home insurance? Though an open-peril policy that provides comprehensive coverage against most of the hazards you could potentially face will cost more than a basic, named-peril policy, the extra protection it affords you can save you thousands of dollars in the long run.

One of the most devastating hazards a homeowner can face is that of a house fire. From cooking mishaps to unattended candles, accidental fires can quickly spread and cause significant damage to your home and property. Even property that isn’t burned can be destroyed by smoke, soot, and firefighting efforts. If your house catches fire, you may find some comfort in knowing that your home insurance can reimburse you for your lost and damaged property.

The average monthly cost of home insurance in Cary, NC is $139. 

Insurance companies will consider several variables when calculating your cost for home insurance coverage in Cary. Therefore, this average rate can only give you a ballpark idea of what you will actually be expected to pay. You can expect a large, expensive home to cost more to insure than a smaller one since there is likely to be a lot more personal property inside that needs to be covered, and the cost to rebuild a large house will be significantly higher if the property is destroyed in a disaster.

You can be held accountable if you or a family member accidentally damages someone else’s property or causes them bodily or financial harm. If your dog bites someone or if a guest slips and falls in your driveway, you may be asked to pay for the injured person’s medical bills and other related expenses. Your homeowners insurance offers liability and medical expenses coverage which can help in these circumstances.

The average monthly cost of home insurance in Chapel Hill, NC is $155.

Overall, residents of Chapel Hill pay more for homeowners insurance than most people in North Carolina. Of course, this is just an average rate so it can only give you a general idea of what a policy will cost you. Factors such as your home size and rebuild value, your claims history, your credit score, the amount of coverage you want, and your chosen deductible can all affect how high your premiums are.

In addition to covering your house and property, your homeowners insurance provides a significant amount of personal liability coverage. If your child hits a baseball through a neighbor’s window, a delivery person slips and falls in your driveway, or your dog gets loose and bites a pedestrian, your home insurance liability and medical payments coverage can pay the associated costs.

The average monthly cost of home insurance in Charlotte, NC is $78.

Not all Charlotte homeowners will pay the same for home insurance. Your monthly rate is based on the risks associated with where you live (e.g., crime and weather), the size of your home, your home’s building materials, and other unique characteristics of your home. 

A high crime rate is a concern for any homeowner. Charlotte tends to have more thefts and burglaries per year than most American cities. Residents of Charlotte need to protect their homes and belongings with common-sense deterrents like deadbolts and home security systems. Above all, be sure that you have the right homeowners insurance in place to help you recover financially if you experience a break-in, theft, or vandalism to your home. 

The average monthly cost of home insurance in Durham, NC is $74.

The size and value of your house, the crime rate in your neighborhood, the size of your deductible, your claims history, and even your credit score can all affect how much you pay for Durham homeowners insurance. A good open-peril policy will be able to cover you against damage caused by most hazards you are likely to face as a property owner in Durham. 

Homeowners in this city have a higher-than-average risk of burglaries. A comprehensive Durham homeowners insurance policy can reimburse you for your losses if you are the victim of a burglary or other property crime. Your policy can cover the cost of replacing lost or damaged belongings and repairing any damage that the burglars may have done to your home. You will need a copy of the police report when you file a claim.

The average monthly cost of home insurance in Fayetteville, NC is $75. 

Your house is not the same as your neighbor’s. While everyone in your neighborhood faces the same crime and weather risks, your homeowners insurance premium is also based on the size and value of your house, the building materials used in its construction, and other unique characteristics of your home. Your monthly cost for home insurance may therefore be significantly higher or lower than this city’s average. 

Fayetteville has a very high property crime rate compared to the rest of North Carolina and the US overall. Residents should take common-sense precautions to protect their homes from break-ins and should make sure they have quality, comprehensive homeowners insurance backing them up in the event they are impacted by a burglary or other covered hazard.

The average monthly cost of home insurance in Greensboro, NC is $57.

Homeowners insurance in Greensboro costs less than in many other North Carolina cities. Your actual rates may be higher or lower than this average depending on the specific risks presented by you and your home. Your rate can vary according to factors like the size of your house, the age of your roof, your credit score, and the amount of coverage you are buying. 

Greensboro has a relatively high burglary rate when compared with the rest of the state. A home security system can go a long way in protecting your property and may even earn you home insurance discounts, but nothing is completely foolproof against a determined burglar. Fortunately, a good Greensboro homeowners insurance policy can reimburse you if you are the victim of a property crime.

The average monthly cost of home insurance in Greenville, NC is $90. 

Because your homeowners insurance is completely customized to your home and your unique circumstances, your monthly premium may be more or less than this average. Insurance companies consider your home’s size, building materials, location, and other factors when they determine your monthly rate. 

Strong winds can be a problem in Greenville. Windy conditions can occur without warning, causing devastating damage to your property. Homeowners insurance can help you repair and replace your belongings and can even help you pay for a hotel if you are temporarily displaced while your home is being repaired. 

The average monthly cost of home insurance in Hickory/Statesville, NC is $62.

Residents in the Hickory/Statesville area pay relatively low rates for homeowners insurance. But costs can vary from one house to the next so your premiums may be quite different from your neighbor’s. Factors such as the size of your home, special endorsements you may want, your claims history, and even your credit score can affect your home insurance rates.

Structure fires are among the most destructive hazards a homeowner can face. If your home is damaged or destroyed by a fire, you can receive some peace of mind in knowing that your policy can not only help you rebuild your home and replace your property but can also cover your extra living expenses while the work is being done. 

The average monthly cost of home insurance in High Point, NC is $55. 

Homeowners insurance is very affordable for most residents of High Point, but your premium may be higher than this city’s average, particularly if you own a large expensive home or have filed a large number of homeowners insurance claims in the past. Additionally, if you have a pool, a trampoline, or an aggressive-breed dog, you might be expected to pay more than someone else with a similar home but without these additional risks. 

High winds are among the various hazards that can damage property in High Point. Strong wind gusts can sometimes damage roofs, siding, and windows of area homes. Sometimes trees may be uprooted in a windstorm and can severely damage your home or your neighbor’s property. Fortunately, you can expect your High Point homeowners insurance policy to reimburse you for damage caused by windstorms and other hazards in the area.

The average monthly cost of home insurance in Raleigh, NC is $103. 

A number of different factors go into determining your Raleigh home insurance premium. Therefore, what you pay for coverage may be higher or lower than this city's average. The crime rate in your ZIP Code, the size of your house, and the materials in its construction can all impact how much you will pay on a monthly basis.

The wind is an unrelenting force that can wreak havoc on any kind of building, and it is a serious risk for Raleigh homeowners. High winds can cause damage to roofs and siding, break windows, uproot trees, and carry away unsecured items in your yard. With the right Raleigh homeowners insurance policy, you can have peace of mind knowing that the damage can be repaired and your home returned to normal without a significant negative impact on your finances. 

The average monthly cost of home insurance in Rocky Mount, NC is $55.

Your customized Rocky Mount home insurance rate will be based on variables like the size, location, and age of your home, and the crime and weather risks in your city. What’s most important is that you have the right amount of coverage to repair or replace your home and belongings should you have a loss. 

Severe weather can significantly damage your home. Residents of Rocky Mount should be prepared for tornadoes. The tornado risk in this city is greater than both the state and the national average. To date, 57 twisters of magnitude 2 or greater have caused significant damage in this city. A good homeowners insurance policy will cover the cost to rebuild or repair your house and replace your property if your house is damaged by a tornado. Your policy can also cover your extra living expenses while the repairs are being made.

The average monthly cost of home insurance in Wilmington, NC is $159. 

This is one of the more expensive areas for homeowners insurance in North Carolina. Of course, premiums can vary from one homeowner to the next, so what you pay for Wilmington home insurance might be higher or lower than this average. Your cost for coverage can be influenced by many factors including whether there are any special risks at your home, such as if you have a trampoline, swimming pool, or aggressive-breed dog.

Wilmington is a coastal city where residents are likely to experience wind and water damage to their homes. Hurricanes and tropical storms bring driving rains and flooding to the area. If you live in Wilmington, NC, be sure to carefully select your homeowners insurance policy and supplement it with a flood insurance policy through the National Flood Insurance Program (NFIP). 

The average monthly cost of home insurance in Winston-Salem, NC is $57. 

Your Winston-Salem home insurance premium can be higher or lower than this average based on several variables like the size of your house, its rebuild value, the crime rate in your ZIP Code, and your claims history and credit score. 

Break-ins can happen in any city, but Winston-Salem has a higher-than-average property crime rate, so you need to be extra careful. You can protect your property by securing your home with secure deadbolt locks, keeping your home’s exterior well-lit, and installing a home security system. Doing so may even earn you discounts on your home insurance premiums. If you are the victim of a property crime nonetheless, you can count on your homeowners insurance policy to reimburse you for your losses.