Cary Insurance Rates:

Cary, NC home insurance is approximately $549 to $744, about $45-$62/month. Our all inclusive guide shows customers can save upto $258 by comparing many quotes

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Research about Cary Home Insurance Rates, Quotes, Reviews, Agents, Coverage & other ways to save money in North Carolina. Compare quotes & save.

Cary Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $720/8 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $345,000

4 Beds, 4 Baths 2370 sqft Vacation Property Constructed In 2007 with Stone Flooring, Tile Roof, Chainwall Foundation, Stucco siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Indoor Sprinklers, Smoke Alarm, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

63 Years old Married Female who is a Freelancer with household income of $75-$100,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $920/8 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $405,000

3 Beds, 3 Baths 2280 sqft Primary Residence Constructed In 2011 with Stone Flooring, Metal Roof, Slab Foundation, Stone Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Indoor Sprinklers, Smoke Alarm, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

28 Years old Divorced Male who is Unemployed and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $110/1 month for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $420,000

3 Beds, 3 Bath 2260 sqft Seasonal Residence Constructed In 2013 with Carpet Flooring, Composition Roof, Slab Foundation, Wood siding, Wood Frame. Home Features Include Fireplace, Central Air Conditioning, Fire Extinguisher, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

34 Years old Single Female who has a Full Time Job with household income of more than $150,000 and has 2 Pets and is a Smoker

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

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $210/3 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $350,000

4 Beds, 4 Baths 2520 sqft Rental Property Constructed In 2001 with Hardwood Flooring, Tile Roof, Crawl Space Foundation, Brick siding, Wood Frame. Home Features Include Swimming Pool, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

36 Years old Single Female who has a Full Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

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

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $340/3 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $370,000

4 Beds, 4 Baths 2810 sqft Primary Residence Constructed In 2004 with Stone Flooring, Tile Roof, Chainwall Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Smoke Alarm, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

52 Years old Married Male who is Unemployed with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $850/6 months for $200,000-$250,000 Coverage
Policy Holder Home Details :

Home Value : $205,000

3 Beds, 3 Baths 1562 sqft Primary Residence Constructed In 1985 with Stone Flooring, Slate Shingles Roof, Slab Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Smoke Alarm, Indoor Sprinklers, Swimming Pool, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Single Male who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Cary, NC Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
27513 $264,900 $640
27511 $212,300 $620

Cary Rates & Quotes Analysis:

Cary Area Estimated House Insurance
Dunnet Ct, St Edmunds Ln, Link's End Dr, Oakridge Rd, Faculty Ave, Hillsboro St, Hosta Lily Ct, Riverwind Ln, Cass Ct, Stonebend Loop$693
Waterdale Ct, Dorsett Dr, Lawdraker Rd, Buxton Grant Dr, Rosaler Ct, Salford Ct, Pierce Olive Rd, Perimeter Park Dr, State Rd 1635, Sarabande Dr$646
Dalmeny Dr, Marjorie Dr, Quarter Path, Warren Ave, Killingsworth Dr, Winterborne Dr, Wyckford Pl, Zev Summit Ln, Sutton Glen Dr, Holly Stream Ct$679
Deerwood Pl, Viscount Ln, State Rd 1627, Vashon Ct, Truehart Way, Tutbury Pl, Tecumseh Ct, New Waverly Pl, Silvergrove Dr, Fernglen Pl$647
Unaka Ct, Emerald Downs Rd, Blackshoal Dr, Brookberry Rd, Washington St, Hillview Dr, Sable Ct, Sutter Gate Ln, Dillard Dr, Amblewood Dr$638
Lyndenbury Dr, Penland Ct, Glenolden Ct, State Rd 1640, Fishers Creek Ct, Champion Dr, Torcastle Cir, Chicora Wood Dr, Gorecki Pl, Grande Valley Cir$619
Eagle Creek Ct, Eton Hall Ln, Edinburgh South Dr, Holly Hill Ct, Salem Church Rd, Waterford Forest Cir, Shadow Bend Ln, Dutch Creek Dr, State Rd 1650, Drywood Pl$658
Cobalt Dr, Iron Hill Dr, Highstone Rd, Star Flower Ct, Cole Valley Dr, Heatherstone Dr, Platte Xing, Tattenhall Dr, SW Cary Pkwy, Wilander Dr$708
Councilman Ct, Birkhaven Dr, Mickey Ln, Tasman Ct, Brier Creek Pkwy, Grey Bridge Row, S Pointe Dr, Bunnwood Ln, Meadow Mist Ct, Brampton Ln$656
Lynnberry Pl, S Wellonsburg Pl, Kingsway Dr, Otterbein Ct, Simca Ct, Milford Ct, Lochmere Dr, Settlers Cir, High Ridge Dr, NE Maynard Rd$640

Insurance rates are influenced by a number of factors including:

  • Year Built: 17,485 Homes (32% of total) built between 1990 to 1999 in Cary are paying home insurance between $933-$943 and varies from Williams (+$36), Bartons Creek (+$65), Carrboro (+$20), Morrisville (-$17) and Apex (-$20).
  • Bedrooms: 16,775 3 bedrooms homes (31% of total homes ) in Cary are paying about $505. Areas near to Cary such as Williams, Bartons Creek, Carrboro are costlier by $13, $28, $4 respectively whereas Morrisville and Apex are more economical by $9, $11 respectively for similar homes.
  • Auto Insurance Bundling: 20,599 Households (57% of all households) in Cary have 2 vehicles available and when it is bundled with home insurance you can save $129. Discounts for similar bundling in close by locations such as White Oak, Morrisville, Apex come to $129, $127, $126 respectively.
  • Senior Discounts: 12,264 seniors (more than 55 years) occupied housing units (34% of total) in Cary get discounts between $96 to $99 and varies from White Oak ($97), Morrisville ($95), Apex ($94).
  • New Homes discounts: New homes such as the 35,518 homes built between 2000 to 2009 in Cary can save $129 and similar new home insurance discounts in nearby towns and cities like White Oak, Morrisville and Apex are $129, $127 and $126 respectively.

Cary Homeowners insurance Facts

  • Cary, NC has 35,748 owner occupied houses which is 70.9% of all units whereas White Oak, Morrisville and Apex have 75.77%, 48.84% and 75.22% respectively.
  • Cary, NC homeowners yearly insurance price at $647 is 0.21% of the typical house value of $302,500 which is in contrast with 0.21% in White Oak, 0.24% at Morrisville & 0.24% in Apex.
  • Homeowners in Cary, NC pay 1.99% of their income ($30,000 to $34,999) in insurance whereas homeowners in White Oak, Morrisville and Apex pay 1.99%, 1.95% and 1.95% respectively.
  • Cary, NC’s insurance is 2.9% of monthly housing costs of $1,886/month, for owners with a mortgage compared to 2.82% in White Oak, 2.9% at Morrisville & 3.07% in Apex. But, for households without a mortgage, insurance is 9.9% of costs ($546 in Cary, NC) in contrast with 10.55% in White Oak, 11.92% at Morrisville & 12.04% in Apex.

Cary, NC Home Values & Insurance rates

For example, insurance for 1,825 Homes (6.0% of total homes ) valued between $150,000 to $174,999 in Cary, NC is about $342. Rates in nearby areas in such as White Oak, Cedar Fork, Williams are cheaper by $6, $17, $60 respectively while Morrisville and Apex are costlier by $39 and $50 respectively for similar homes.

Cary, NC Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 519 1.0% $51
$100,000 to $124,999 1,218 4.0% $232
$125,000 to $149,999 1,396 5.0% $291
$150,000 to $174,999 1,825 6.0% $342
$175,000 to $199,999 2,445 9.0% $394
$200,000 to $249,999 5,022 18.0% $478
$250,000 to $299,999 4,731 17.0% $588
$300,000 to $399,999 8,870 33.0% $744

Renters Insurance in Cary

  • Average Renters Insurance in Cary :  $37($3/month)

  • Median Gross Rent in Cary :  $944

  • Cary Renters Insurance to Median Rent Ratio:  0.32%

  • Renter occupied housing units in Cary :  14,674

Cary Renters Insurance as a Percentage of Rent

Cary Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 2,242 15.0% $1884
$750 to $999 5,962 41.0% $2634
$1,000 to $1,499 4,684 32.0% $3759
$1,500 or more 1,362 9.0% $5409

Protective device discount in Cary Up to :  $5

Claims-free discount in Cary Up to :  $7