Asheville Insurance Rates:

Asheville, NC home insurance is roughly $520 to $705, about $43-$58/month. Our detailed research reveals consumers can save as much as $244 by getting different quotes

Compare Quotes from Top Providers and Save now!

Asheville, North Carolina Homeowners share the good, bad & ugly reviews of thier insurance providers so that you can compare quotes from the best

Asheville Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Erie Insurance
Home Insurance Rate of $700/4 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $305,000

4 Beds, 4 Bath 2390 sqft Seasonal Residence Constructed In 1961 with Carpet over wood flooring, Composition Roof, Crawl Space Foundation, Stucco siding, Stucco Construction. Home Features Include Swimming Pool, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

61 Years old Single Female who is a Freelancer with household income of $50-$75,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $160/1 month for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $420,000

4 Beds, 4 Baths 3350 sqft Rental Property Constructed In 1943 with Carpet over wood flooring, Membrane Roof, Piers Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Copper Water Pipes, Swimming Pool, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

67 Years old Single Female who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $800/10 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $250,000

4 Beds, 4 Bath 1970 sqft Seasonal Residence Constructed In 1994 with Linoleum, Asphalt Shingles Roof, Chainwall Foundation, Wood siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Indoor Sprinklers, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

42 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1940/9 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $495,000

5 Beds, 5 Bath 3940 sqft Seasonal Residence Constructed In 2006 with Carpet Flooring, Membrane Roof, Piers Foundation, Brick siding, Brick Frame. Home Features Include Central Air Conditioning, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

51 Years old Married Male who has a Full Time Job with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $1980/12 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $450,000

5 Beds, 5 Baths 4480 sqft Rental Property Constructed In 1996 with Stone Flooring, Composition Roof, Crawl Space Foundation, Stucco siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Indoor Sprinklers, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

44 Years old Married Female who is a Freelancer with household income of $50-$75,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $200/4 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $120,000

2 Beds, 2 Bath 960 sqft Seasonal Residence Constructed In 1967 with Carpet Flooring, Tile Roof, Chainwall Foundation, Stone Siding, Stucco Construction. Home Features Include Swimming Pool, Copper Water Pipes, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

42 Years old Single Female who is a Freelancer with household income of $50-$75,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $280/9 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $100,000

2 Beds, 2 Bath 1060 sqft Rental Property Constructed In 1948 with Wood Flooring, Shingles Roof, Piers Foundation, Stucco siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Indoor Sprinklers, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

49 Years old Married Female who is Unemployed and has 3 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $520/6 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $305,000

4 Beds, 4 Bath 2610 sqft Seasonal Residence Constructed In 1980 with Stone Flooring, Metal Roof, Crawl Space Foundation, Stucco siding, Wood Frame. Home Features Include Deadbolt Locks, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

49 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $550/10 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $155,000

3 Beds, 3 Baths 1720 sqft Primary Residence Constructed In 1986 with Hardwood Flooring, Slate Shingles Roof, Piers Foundation, Brick siding, Metal Frame Construction. Home Features Include Swimming Pool, Indoor Sprinklers, Deadbolt Locks, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

39 Years old Single Male who is a Freelancer with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $540/2 months for $400,000-$500,000 Coverage
Policy Holder Home Details :

Home Value : $345,000

4 Beds, 4 Baths 2486 sqft Primary Residence Constructed In 1992 with Wood Flooring, Tile Roof, Chainwall Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Fireplace, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

56 Years old Single Male who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Asheville, NC Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
28804 $283,300 $650
28803 $217,300 $630
28801 $217,200 $630
28805 $203,000 $620
28806 $162,700 $610

Asheville Rates & Quotes Analysis:

Asheville Area Estimated House Insurance
Glenview Rd, Biltmore Plz, Maplewood Rd, Spring Tree Ln, Ascension Dr, Reeves Cove Rd, Driftstone Cir, Muirfield Ct, Elkwood Ave, State Rd 1481$652
Sardis Dr, W Chapel Rd, Springside Rd, Barn Owl Rd, Joan Way, Jeremiah Blvd, State Rd 3195, Cherokee Rd, Deaverview Rd, Little Knob Rd$635
Swift St, Shadow Oaks Dr, Georgetown Dr, Pop Walker Rd, Ethel Marlowe Ct, Cabin Cove Rd, Sumter St, Magic Sam Ct, Reynolds Rd, Southwinds Rd$607
Ridgewood Pl, Westview Ln, State Rd 2032, Wedgefield Pl, Bilberry Ln, Cowan Cove, State Rd 2401, Timson Rd, State Rd 2099, State Rd 3194$591
Kalmia Dr, Bear Left, Brookshire Pl, Above the Clouds Dr, State Rd 1254, Jims Branch Rd, Emory Pl, Old Sardis Road Cir, Capps Lake Rd, Hilliard Ave$605
Rock Hill Rd, Westover Aly, Tingle Aly, Spring Ln, Wendover Rd, Trotters Cir, Pritchard Rd, Circle St, Church Rd, Liberty Cir$627
Ashe 24 Rd, Black Bear Ln, State Rd 2547, Rutherford Rd, Old Charlotte Hwy, Deep Creek Trl, Moriah Ln, Printers Ln, Glen Crest Dr, Asbury Rd$616
Craggy Ave, Village Oak Dr, Clifford Way, Ardimon Rd, Atkins St, State Rd 3128, Liberty St, Buxton Ave, State Rd 1230, S Pack Sq$613
School Rd E, Old Turnpike Rd, Smith Graveyard Rd, Granite Dr, Adams Hill Rd, Griffing Cir, State Rd 2845, Lone Wolf Trl, Secluded Forest Dr, Pocono Ct$611
Poplar Acres Dr, Vineyard Blvd, Hampstead Rd, Zephyr Dr, Eastmoor Dr, Birch Cir, Smith Lake Rd, Wesley Branch Rd, Spring Cove Ct, Delova Ln$618

Insurance rates are influenced by a number of factors including:

  • Year Built: 8,461 Homes (20% of total) built between 1939 or earlier in Asheville are paying home insurance between $1,308-$1,317 and differs from Biltmore Forest (+$440), Limestone (+$17), Avery Creek (+$15), Lower Hominy (-$14) and Leicester (-$18).
  • Bedrooms: 5,935 1 bedroom homes (14% of total homes ) in Asheville are paying about $355 in contrast with Biltmore Forest (+$119), Bent Creek (+$6), Limestone (+$5), Lower Hominy (-$3) and Leicester (-$5).
  • Auto Insurance Bundling: 4,161 Households (21% of all households) in Asheville have 3 or more vehicles available and when it is bundled with home insurance you can save $153. Discounts for similar bundling in close by locations such as Biltmore Forest, Buncombe County, Lower Hominy come to $204, $152, $151 respectively.
  • Senior Discounts: 10,202 seniors (more than 55 years) occupied housing units (51% of total) in Asheville get discounts between $91 to $94 in contrast with Biltmore Forest ($122), Buncombe County ($91), Lower Hominy ($90).
  • New Homes discounts: New homes such as the 15,822 homes built between 2000 to 2009 in Asheville can save $122 and varies from Biltmore Forest ($163), Buncombe County ($122), Lower Hominy ($121).

Asheville Homeowners insurance Facts

  • Asheville, NC has 19,705 owner occupied houses which is 52.5% of all units whereas Biltmore Forest, Buncombe County and Lower Hominy have 95.08%, 65.32% and 74.22% respectively.
  • Asheville, NC homeowners yearly insurance price at $612 is 0.31% of the typical house value of $195,500 which is in contrast with 0.1% in Biltmore Forest, 0.32% at Buncombe County & 0.34% in Lower Hominy.
  • Homeowners in Asheville, NC pay 3.5% of their income ($15,000 to $19,999) in insurance whereas homeowners in Biltmore Forest, Buncombe County and Lower Hominy pay 4.67%, 3.49% and 3.46% respectively.
  • Asheville, NC’s insurance is 3.9% of monthly housing costs of $1,305/month, for owners with a mortgage compared to 1.97% in Biltmore Forest, 3.94% at Buncombe County & 4.01% in Lower Hominy. But, for households without a mortgage, insurance is 11.4% of costs ($447 in Asheville, NC) in contrast with 6.8% in Biltmore Forest, 13.91% at Buncombe County & 14.81% in Lower Hominy.

Asheville, NC Home Values & Insurance rates

For example, insurance for 2,017 Homes (11.0% of total homes ) valued between $150,000 to $174,999 in Asheville, NC is about $507. Rates in nearby areas in such as Bent Creek, Limestone, Royal Pines are cheaper by $60, $49, $16 respectively while Buncombe County and Lower Hominy are costlier by $6 and $44 respectively for similar homes.

Asheville, NC Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 939 5.0% $73
$60,000 to $69,999 183 1.0% $201
$70,000 to $79,999 221 1.0% $232
$80,000 to $89,999 491 2.0% $263
$90,000 to $99,999 352 2.0% $293
$100,000 to $124,999 1,606 9.0% $342
$125,000 to $149,999 2,192 12.0% $428
$150,000 to $174,999 2,017 11.0% $507
$175,000 to $199,999 2,052 11.0% $581
$200,000 to $249,999 2,852 16.0% $703
$250,000 to $299,999 1,974 11.0% $856
$300,000 to $399,999 2,074 12.0% $1095

Renters Insurance in Asheville

  • Average Renters Insurance in Asheville :  $89($7/month)

  • Median Gross Rent in Asheville :  $811

  • Asheville Renters Insurance to Median Rent Ratio:  0.86%

  • Average household size of renter-occupied unit :  2.0

Asheville Renters Insurance as a Percentage of Rent

Asheville Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 812 4.0% $322
$200 to $299 1,030 6.0% $772
$300 to $499 1,126 6.0% $1222
$500 to $749 4,451 26.0% $1897
$750 to $999 4,769 27.0% $2647
$1,000 to $1,499 3,772 22.0% $3772
$1,500 or more 1,157 6.0% $5422

Rent Affordability in Asheville:

Approximately 42.0% (7,507) of households are spending more than 35% of their income on gross rent in Asheville

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,844 10.0%
15.0 to 19.9 percent 2,148 12.0%
20.0 to 24.9 percent 2,298 12.0%
25.0 to 29.9 percent 2,556 14.0%
30.0 to 34.9 percent 1,480 8.0%
35.0 percent or more 7,507 42.0%

Protective device discount in Asheville Up to :  $13

Claims-free discount in Asheville Up to :  $17

Top Related Cities