Gastonia Insurance Rates:

Gastonia, NC home insurance is approximately $499 to $677, about $41-$56/month. Our complete analysis indicates shoppers can save upto $235 by comparing many quotes

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Gastonia, North Carolina Homeowners Insurance Reviews reveal the good & the bad so that you can compare the cheapest quotes from the best

Gastonia Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Allstate
Home Insurance Rate of $420/7 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $145,000

3 Beds, 3 Bath 1720 sqft Vacation Property Constructed In 2004 with Linoleum, Tile Roof, Chainwall Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

44 Years old Divorced Male who has a Full Time Job with household income of $75-$100,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $950/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $285,000

5 Beds, 5 Bath 4310 sqft Primary Residence Constructed In 1997 with Carpet Flooring, Membrane Roof, Crawl Space Foundation, Stone Siding, Wood Frame. Home Features Include Smoke Alarm, Copper Water Pipes, Deadbolt Locks, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

44 Years old Single Female who has a Full Time Job with household income of $50-$75,000 and has More than 3 Pets at home and is a Smoker

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

  • 800-850 Credit Score

Home Insurance Rate of $150/4 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $195,000

5 Beds, 5 Baths 2270 sqft Vacation Property Constructed In 1994 with Ceramic Tile Flooring, Membrane Roof, Piers Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Swimming Pool, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

60 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $460/5 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $280,000

5 Beds, 5 Baths 4420 sqft Rental Property Constructed In 1986 with Carpet over wood flooring, Composition Roof, Chainwall Foundation, Wood siding, Wood Frame. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

71 Years old Divorced Female who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $260/8 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $160,000

4 Beds, 4 Baths 2250 sqft Vacation Property Constructed In 1993 with Carpet Flooring, Shingles Roof, Chainwall Foundation, Stucco siding, Stucco Construction. Home Features Include Swimming Pool, Indoor Sprinklers, Deadbolt Locks, 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 1 Pet and is a Smoker

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

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $60/1 month for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $145,000

4 Beds, 4 Bath 1830 sqft Vacation Property Constructed In 2007 with Wood Flooring, Composition Roof, Slab Foundation, Brick siding, Brick Frame. Home Features Include Indoor Sprinklers, Deadbolt Locks, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

32 Years old Divorced Male who is Unemployed and has No Pets and is a Non-Smoker

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

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $450/6 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $185,000

5 Beds, 5 Baths 2030 sqft Primary Residence Constructed In 1987 with Stone Flooring, Shingles Roof, Piers Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Copper Water Pipes, Deadbolt Locks, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

43 Years old Divorced Male who is a Freelancer with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $500/6 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $195,000

4 Beds, 4 Baths 2810 sqft Primary Residence Constructed In 2013 with Ceramic Tile Flooring, Slate Shingles Roof, Piers Foundation, Wood siding, Wood Frame. Home Features Include Copper Water Pipes, Indoor Sprinklers, Smoke Alarm, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

48 Years old Divorced Female who has a Full Time Job with household income of $50-$75,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1190/12 months for $175,000-$200,000 Coverage
Policy Holder Home Details :

Home Value : $155,000

4 Beds, 4 Baths 2643 sqft Primary Residence Constructed In 1975 with Linoleum, Slate Shingles Roof, Crawl Space Foundation, Stone Siding, Wood Frame. Home Features Include Swimming Pool, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

71 Years old Divorced Male who is Unemployed and has More than 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Gastonia, NC Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
28052 $96,300 $580
28056 $149,200 $610
28054 $125,100 $590

Gastonia Rates & Quotes Analysis:

Gastonia Area Estimated House Insurance
Cross Ridge Dr, Pamela St, Lowery Ln, Monument Ave, Sandy Ln, S Vance St, Herman Dr, Pebblestone Ct, Downey Ln, Stonehaven Ln$588
Kent Ave, Grant St, Upton Ave, Stiles Dr, Hall Rd, Ramsey Cir, Path Way, C V Alexander Dr, Royal Oaks Ln, Oakwood Ave$573
Falcon Ct, Erskine Dr, State Rd 1311, Jewitt St, 1299, W Hudson Blvd, State Rd 2748, 3101, Eagles Walk, Pine Cove Dr$600
Wynnhurst Ct, Azalea Dr, N Poplar St, Woodhurst Ct, Robert Schooler Ct, Boyd St, State Rd 2710, Thomas St, Evergreen St, Crowders Creek Rd$581
State Rd 1128, Bedgood Dr, Westley Dr, Tiny Ave, S Weldon St, Norfolk Pine Ct, Rolling Meadow Ln, N Marietta St, W 7th Ave, Robinwood Village Dr$575
W Norment Ave, 1295, Doffin Ln, Claybrook Cir, Park Cir, Black St, Lampwick Ct, Farmview Dr, Kent St, State Rd 1359$585
Lineberger Ave, Davenport St, N 9th St, Findlay St, E 2nd Ave, Edgewood Cir, High Cliff Ct, Courtland Dr, Heatherloch Dr, Old Church Rd$587
Cedar Ave, Barkers Ridge Dr, Belmar Dr, E 1st St, E Iowa Ave, State Rd 1174, E 9th Ave, State Rd 1327, Carla Ct, Riverwood Pkwy$580
Wedowee Ln, Glenbriar St, State Rd 2351, Tulip Dr, Old Farm Rd, Iva Ave, S Perry St, State Rd 1148, Stallion Way, Tarheel Dr$590
Raby Rd, Regal Dr, N Myrtle St, N Boyd St, State Rd 1156, Twin Ave, Rainbarrel Ln, State Rd 2776, Southampton Cir, State Rd 2752$622

Insurance rates are influenced by a number of factors including:

  • Year Built: 5,634 Homes (15% of total homes ) built between 1960 to 1969 in Gastonia are paying home insurance between $1,029-$1,038. Places close to Gastonia, NC such as McAdenville, South Point, Clover(SC) are more expensive by $24, $15, $430 respectively while Spencer Mountain and Bessemer City are cheaper by $68 and $14 respectively for similar homes.
  • Bedrooms: 16,108 3 bedrooms homes (46% of total homes ) in Gastonia are paying about $453 compared to Gaston County (+$7), Ranlo (+$4), Lowell (+$5), Grover (-$4) and Light Oak (-$6).
  • Auto Insurance Bundling: 5,488 Households (28% of all households) in Gastonia have 3 or more vehicles available and when it is bundled with home insurance you can save $147 and differs from Gaston County ($147), Ranlo ($146), Lowell ($146).
  • Senior Discounts: 9,759 seniors (more than 55 years) occupied housing units (50% of total) in Gastonia get discounts between $88 to $90 compared to Gaston County ($88), Ranlo ($87), McAdenville ($90).
  • New Homes discounts: New homes such as the 13,943 homes built between 2000 to 2009 in Gastonia can save $117 compared to Gaston County ($117), Ranlo ($117), Lowell ($117).

Gastonia Homeowners insurance Facts

  • Gastonia, NC has 19,421 owner occupied houses which is 60.8% of all units whereas Gaston County, Ranlo and Lowell have 68.05%, 79.8% and 62.75% respectively.
  • Gastonia, NC homeowners yearly insurance price at $588 is 0.48% of the typical house value of $121,400 which is in contrast with 0.47% in Gaston County, 0.53% at Ranlo & 0.51% in Lowell.
  • Homeowners in Gastonia, NC pay 0.78% of their income ($75,000 or more) in insurance whereas homeowners in Gaston County, Ranlo and Lowell pay 0.79%, 0.78% and 0.78% respectively.
  • Gastonia, NC’s insurance is 4.2% of monthly housing costs of $1,157/month, for owners with a mortgage compared to 4.18% in Gaston County, 4.11% at Ranlo & 4.35% in Lowell. But, for households without a mortgage, insurance is 13.1% of costs ($374 in Gastonia, NC) in contrast with 14.52% in Gaston County, 14.25% at Ranlo & 14.62% in Lowell.

Gastonia, NC Home Values & Insurance rates

For example, insurance for 844 Homes (4.0% of total homes ) valued between $50,000 to $59,999 in Gastonia, NC is about $252. Rates in nearby areas in such as Gaston County, McAdenville, Cramerton are cheaper by $5, $60, $60 respectively while Ranlo and Lowell are costlier by $22 and $17 respectively for similar homes.

Gastonia, NC Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,594 8.0% $117
$50,000 to $59,999 844 4.0% $252
$60,000 to $69,999 879 4.0% $311
$70,000 to $79,999 1,233 6.0% $358
$80,000 to $89,999 1,388 7.0% $411
$90,000 to $99,999 1,395 7.0% $458
$100,000 to $124,999 2,782 14.0% $529
$125,000 to $149,999 2,471 13.0% $664
$150,000 to $174,999 1,829 9.0% $782
$175,000 to $199,999 1,144 6.0% $905
$200,000 to $249,999 1,676 8.0% $1087
$250,000 to $299,999 937 4.0% $1328
$300,000 to $399,999 618 3.0% $1693

Renters Insurance in Gastonia

  • Average Renters Insurance in Gastonia :  $125($10/month)

  • Median Gross Rent in Gastonia :  $743

  • Gastonia Renters Insurance to Median Rent Ratio:  1.35%

  • Renter occupied housing units in Gastonia :  12,549

Gastonia Renters Insurance as a Percentage of Rent

Gastonia Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 271 2.0% $331
$200 to $299 366 3.0% $781
$300 to $499 863 7.0% $1231
$500 to $749 4,565 38.0% $1906
$750 to $999 4,045 34.0% $2656
$1,000 to $1,499 1,320 11.0% $3781
$1,500 or more 385 3.0% $5431

Protective device discount in Gastonia Up to :  $18

Claims-free discount in Gastonia Up to :  $25