Fayetteville Insurance Rates:

Fayetteville, NC home insurance is nearly $500 to $678, about $41-$56/month. Our in depth research shows customers can save upto $235 by comparing many quotes

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Fayetteville Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Amica Mutual Insurance Company
Home Insurance Rate of $320/7 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $155,000

3 Beds, 3 Baths 1880 sqft Rental Property Constructed In 1995 with Hardwood Flooring, Metal Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Fireplace, Swimming Pool, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $780/10 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $155,000

4 Beds, 4 Baths 2320 sqft Vacation Property Constructed In 2013 with Carpet Flooring, Composition Roof, Crawl Space Foundation, Vinyl siding, Wood Frame. Home Features Include Indoor Sprinklers, Copper Water Pipes, Fire Extinguisher, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

60 Years old Single Male who has a Full Time Job with household income of more than $150,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $810/6 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $230,000

4 Beds, 4 Bath 2740 sqft Seasonal Residence Constructed In 1997 with Linoleum, Membrane Roof, Piers Foundation, Brick siding, Wood Frame. Home Features Include Central Air Conditioning, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

63 Years old Single Female who is Unemployed and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $580/12 months for $100,000-$125,000 Coverage
Policy Holder Home Details :

Home Value : $125,000

3 Beds, 3 Baths 1451 sqft Primary Residence Constructed In 1989 with Carpet over wood flooring, Membrane Roof, Chainwall Foundation, Stucco siding, Stucco Construction. Home Features Include Swimming Pool, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

72 Years old Single Male who has a Full Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

Fayetteville, NC Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
28305 $198,000 $620
28311 $153,500 $610
28306 $145,800 $600
28314 $123,900 $590
28304 $113,000 $590

Fayetteville Rates & Quotes Analysis:

Fayetteville Area Estimated House Insurance
Tarrytown Rd, Wicklow Pl, Future St, Cape Fear Ave, Anona Dr, Creed St, Saraya Dr, E Jenkins St, Seaford Dr, Holmfield Rd$565
Brandts Ln, Cashiers Ln, Evanston St, Sandwedge Dr, Nesbit Rd, Snowhill Church Rd, Pigeon House Ct, Fair St, Agnes Scott Ct, Lansing Ct$622
Morley Dr, McRae Dr, Lismore Ln, Senoma Pl, Shadowmoss Dr, Tayberry Ct, Royal St, Oakmont Cir, Holmfield Dr, Goldberg St$610
Indian Dr, Foxcroft Dr, Bangle St, Jossie St, Abraham Ave, Alder Rd, Eva Wallace Rd, Quailmeadow Dr, Whitney Dr, Jet Cir$578
Weiskopf Ct, E Lochhaven Dr, Corrinna St, Fletcher Ave, Midhurst Ct, Burgoyne Ct, Milan Rd, State Rd 2010, Ferncreek Pl, Utopia Ct$578
Devers St, Norberry Ct, Wilmington Hwy, Trenton Rd, Sycamore Dairy Rd, Beverly Dr, Joyce St, Villa Dr, Franzia Dr, Snow Cir$610
Shep Dr, Duke St, Lilac Ct, Hamilton St, State Rd 1132, Calamar Dr, State Rd 1800, Summer Duck Rd, Wyatt Ct, Drexel Rd$597
Hopper Rd, Hagley Ct, Town & Country Dr, McCormick Bridge Rd, Jeff St, Sam Cameron Ave, McNair Cir, Chadborne Dr, Oleander Ct, Aloine Ln$587
Maude St, Loufield Dr, Elkhorn Dr, Gorham Aly, Hutton Pl, Morehead Ave, Darby St, Nuthatch Rd, Ashburton Dr, Alva Cir$584
Yuma Ct, Silver Oaks Dr, State Rd 1881, Spring St, Stonington Dr, Lockridge Rd, Wakefield Dr, Brookhaven Dr, Westerly Dr, Bridger St$586

Insurance rates are influenced by a number of factors including:

  • Year Built: 15,260 Homes (17% of total homes ) built between 1990 to 1999 in Fayetteville are paying home insurance between $849-$858. Places close to Fayetteville, NC such as McLauchlin, Carvers Creek, Eastover are more expensive by $18, $21, $13 respectively while Manchester and Spring Lake are cheaper by $17 and $14 respectively for similar homes.
  • Bedrooms: 12,109 4 bedrooms homes (14% of total homes ) in Fayetteville are paying about $706. Areas near to Fayetteville such as Seventy-First, Cross Creek, Hope Mills are costlier by $5, $13, $7 respectively whereas Manchester and Spring Lake are more economical by $8, $6 respectively for similar homes.
  • Auto Insurance Bundling: 10,924 Households (28% of all households) in Fayetteville have 3 or more vehicles available and when it is bundled with home insurance you can save $147 compared to Seventy-First ($147), Cross Creek ($148), Manchester ($144).
  • Senior Discounts: 18,321 seniors (more than 55 years) occupied housing units (47% of total) in Fayetteville get discounts between $88 to $90. The comparative concessions in proximate regions such as Seventy-First, Cross Creek and Manchester are $88, $89 and $86 respectively.
  • New Homes discounts: New homes such as the 37,666 homes built between 2000 to 2009 in Fayetteville can save $117 and similar new home insurance discounts in nearby towns and cities like Seventy-First, Cross Creek and Manchester are $117, $119 and $115 respectively.

Fayetteville Homeowners insurance Facts

  • Fayetteville, NC has 38,800 owner occupied houses which is 51.0% of all units whereas Seventy-First, Cross Creek and Manchester have 51.04%, 50.71% and 20.73% respectively.
  • Fayetteville, NC homeowners yearly insurance price at $589 is 0.48% of the typical house value of $123,300 which is in contrast with 0.49% in Seventy-First, 0.42% at Cross Creek & 0.67% in Manchester.
  • Homeowners in Fayetteville, NC pay 0.87% of their income ($60,000 to $74,999) in insurance whereas homeowners in Seventy-First, Cross Creek and Manchester pay 0.87%, 0.88% and 0.85% respectively.
  • Fayetteville, NC’s insurance is 4.1% of monthly housing costs of $1,208/month, for owners with a mortgage compared to 4.07% in Seventy-First, 3.93% at Cross Creek & 4.49% in Manchester. But, for households without a mortgage, insurance is 11.6% of costs ($422 in Fayetteville, NC) in contrast with 11.92% in Seventy-First, 11.02% at Cross Creek & 13.51% in Manchester.

Fayetteville, NC Home Values & Insurance rates

For example, insurance for 3,068 Homes (8.0% of total homes ) valued between $90,000 to $99,999 in Fayetteville, NC is about $453. Rates in nearby areas in such as Cross Creek, Hope Mills, Rockfish are cheaper by $55, $23, $39 respectively while Seventy-First and Manchester are costlier by $5 and $175 respectively for similar homes.

Fayetteville, NC Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,183 5.0% $117
$50,000 to $59,999 817 2.0% $247
$60,000 to $69,999 1,566 4.0% $306
$70,000 to $79,999 2,301 6.0% $353
$80,000 to $89,999 3,373 8.0% $400
$90,000 to $99,999 3,068 8.0% $453
$100,000 to $124,999 6,532 17.0% $524
$125,000 to $149,999 5,004 13.0% $653
$150,000 to $174,999 4,201 11.0% $771
$175,000 to $199,999 2,573 6.0% $895
$200,000 to $249,999 2,815 7.0% $1071
$250,000 to $299,999 1,429 3.0% $1313
$300,000 to $399,999 1,675 4.0% $1666

Renters Insurance in Fayetteville

  • Average Renters Insurance in Fayetteville :  $124($10/month)

  • Median Gross Rent in Fayetteville :  $862

  • Fayetteville Renters Insurance to Median Rent Ratio:  1.16%

  • Average household size of renter-occupied unit :  2.51

Fayetteville Renters Insurance as a Percentage of Rent

Fayetteville Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 702 1.0% $331
$200 to $299 509 1.0% $781
$300 to $499 2,207 6.0% $1231
$500 to $749 8,829 24.0% $1906
$750 to $999 12,165 34.0% $2656
$1,000 to $1,499 10,206 28.0% $3781
$1,500 or more 1,091 3.0% $5431

Rent Affordability in Fayetteville:

Approximately 41.0% (15,270) of households are spending more than 35% of their income on gross rent in Fayetteville

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 4,266 11.0%
15.0 to 19.9 percent 4,829 12.0%
20.0 to 24.9 percent 5,237 14.0%
25.0 to 29.9 percent 4,229 11.0%
30.0 to 34.9 percent 3,410 9.0%
35.0 percent or more 15,270 41.0%

Fayetteville Renters Insurance Discounts:

Fayetteville Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Fayetteville, NC Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 18,309 49.0% $12.4
2 vehicles available 11,928 32.0% $18.6
3 or more vehicles available 2,973 7.0% $24.8

Protective device discount in Fayetteville Up to :  $18

Claims-free discount in Fayetteville Up to :  $24