Goldsboro Insurance Rates:

Goldsboro, NC home insurance is roughly $498 to $676, about $41-$56/month. Our in depth analysis reveals consumers can save as much as $234 by comparing multiple quotes

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Goldsboro Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Nationwide Insurance
Home Insurance Rate of $30/1 month for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $110,000

3 Beds, 3 Baths 1360 sqft Primary Residence Constructed In 2008 with Carpet Flooring, Shingles Roof, Piers Foundation, Brick siding, Brick Frame. Home Features Include Deadbolt Locks, Fireplace, Indoor Sprinklers, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

61 Years old Single Female who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $110/1 month for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $340,000

5 Beds, 5 Bath 4820 sqft Rental Property Constructed In 1998 with Ceramic Tile Flooring, Asphalt Shingles Roof, Chainwall Foundation, Vinyl siding, Stucco Construction. Home Features Include Copper Water Pipes, Central Air Conditioning, Fire Extinguisher, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

59 Years old Single Male who is Unemployed and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $80/2 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $130,000

5 Beds, 5 Bath 1760 sqft Vacation Property Constructed In 1966 with Stone Flooring, Shingles Roof, Piers Foundation, Brick siding, Stucco Construction. Home Features Include Copper Water Pipes, Central Air Conditioning, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

66 Years old Single Male who is Retired with household income of $25-50,000 and has No Pets and is a Non-Smoker

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

  • 650-699 Credit Score

Home Insurance Rate of $490/9 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $215,000

4 Beds, 4 Baths 3150 sqft Seasonal Residence Constructed In 1990 with Hardwood Flooring, Shingles Roof, Crawl Space Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

63 Years old Divorced Female who is Unemployed and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $900/8 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $280,000

5 Beds, 5 Bath 4410 sqft Primary Residence Constructed In 1968 with Stone Flooring, Composition Roof, Crawl Space Foundation, Wood siding, Wood Frame. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

24 Years old Single Male who is a Freelancer with household income of $50-$75,000 and has No Pets and is a Non-Smoker

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

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $620/8 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $185,000

5 Beds, 5 Baths 2150 sqft Vacation Property Constructed In 2008 with Hardwood Flooring, Asphalt Shingles Roof, Slab Foundation, Vinyl siding, Wood Frame. Home Features Include Smoke Alarm, Fire Extinguisher, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $410/10 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $155,000

4 Beds, 4 Baths 1690 sqft Vacation Property Constructed In 1984 with Wood Flooring, Membrane Roof, Chainwall Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Fireplace, Copper Water Pipes, Fire Extinguisher, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

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

  • 600-649 Credit Score

Home Insurance Rate of $350/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $200,000

4 Beds, 4 Baths 2270 sqft Primary Residence Constructed In 1981 with Ceramic Tile Flooring, Asphalt Shingles Roof, Piers Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

63 Years old Divorced Male 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

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $300/8 months for $75,000-$100,000 Coverage
Policy Holder Home Details :

Home Value : $75,000

2 Beds, 2 Bath 1482 sqft Rental Property Constructed In 1974 with Carpet over wood flooring, Tile Roof, Slab Foundation, Stucco siding, Stucco Construction. Home Features Include Fire Extinguisher, Fireplace, Smoke Alarm, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

26 Years old Divorced Male who is a Freelancer with household income of less than $25,000 and has 3 Pets and is a Smoker

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

  • 650-699 Credit Score

  • Seniors staying at home

Goldsboro, NC Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
27534 $134,700 $600

Goldsboro Rates & Quotes Analysis:

Goldsboro Area Estimated House Insurance
Hill Drive Cir, State Rd 1120, State Rd 1738, N Herman St, Chell's Dr, Patsy Ln, Amherst Pl, N Best St, Sagewood Pl, State Rd 1151$570
Lemon St, State Rd 1315, Vision of Faith Rd, Michelle Dawn Dr, Tracy Pl, Creek Ct, Sunnyslope Rd, Tipton Ln, Alert Cable Rd, Hazelwood Dr$578
Marshview Pl, Ewing Dr, Clairmont Rd, Clayside Dr, S John St, Northwood Dr, Raven Ridge Dr, Thomas Trl, Clover Ridge Dr, Walker Ave$591
Carmack Rd, State Rd 1968, Saulston Rd, N Oleander Ave, Kirtland Dr, Sandy Dr, Trey Dr, W Dewey St, Windham Ct, Village Dr$592
Neal Dr, Cape Fear Ln, N Herman St, Collier Ave, Bartlett Ave, N Martin Rd, Crump St, Raymond Ct, Stoney Creek Church Rd, Nile St$585
N Beston Rd, Keith Ln, State Rd 1949, Davis Rd, Mary Ln, Amherst Rd, State Rd 1754, Peachtree St, N Oak Forest Rd, Dewey St$568
Pony Dr, Ivy St, Round Top Ln, State Rd 1926, Rhonda Pl, Hood Swamp Rd, Dobbs Dr, Sam's Ln, Challis Pl, Glasgow Ln$587
Sue Ellen Cir, State Rd 1926, N James St, Will Anderson Rd, E Lockhaven Dr, State Rd 1140, Stone Glen Pl, Evergreen Ave, Hart Cir, State Rd 1232$576
Valencia Ave, Neil St, Sherri Ct, James Hinson Rd, State Rd 1286, Biggs St, Stewarts Farm Rd, Mill Dam Ln, Holmes Ln, Tyndall Ln$604
Carver Blvd, Bridgers Rd, Wood Peck Rd, Sunset Dr, Garris Chapel Rd, Goldeneye Pl, Nandina Pl, Janice Dr, Trappers Run Dr, Burtus Dr$603

Insurance rates are influenced by a number of factors including:

  • Year Built: 2,998 Homes (17% of total homes ) built between 1950 to 1959 in Goldsboro are paying home insurance between $1,104-$1,112. Places close to Goldsboro, NC such as Stoney Creek, Saulston, Buck Swamp are more expensive by $30, $14, $18 respectively while Elroy and Mar-Mac are cheaper by $16 and $19 respectively for similar homes.
  • Bedrooms: 7,397 3 bedrooms homes (44% of total homes ) in Goldsboro are paying about $458 in contrast with Stoney Creek (+$13), Saulston (+$7), Walnut Creek (+$58), Wayne County (-$8) and Elroy (-$6).
  • Auto Insurance Bundling: 2,771 Households (45% of all households) in Goldsboro have 2 vehicles available and when it is bundled with home insurance you can save $117. Discounts for similar bundling in close by locations such as Wayne County, Stoney Creek, Elroy come to $116, $120, $115 respectively.
  • Senior Discounts: 3,869 seniors (more than 55 years) occupied housing units (63% of total) in Goldsboro get discounts between $87 to $90. The comparative concessions in proximate regions such as Wayne County, Stoney Creek and Elroy are $87, $90 and $86 respectively.
  • New Homes discounts: New homes such as the 6,737 homes built between 2000 to 2009 in Goldsboro can save $117 and differs from Wayne County ($116), Stoney Creek ($120), Elroy ($115).

Goldsboro Homeowners insurance Facts

  • Goldsboro, NC has 6,123 owner occupied houses which is 41.4% of all units whereas Wayne County, Stoney Creek and Elroy have 61.64%, 66.05% and 63.36% respectively.
  • Goldsboro, NC homeowners yearly insurance price at $587 is 0.5% of the typical house value of $117,300 which is in contrast with 0.54% in Wayne County, 0.36% at Stoney Creek & 0.63% in Elroy.
  • Homeowners in Goldsboro, NC pay 2.61% of their income ($20,000 to $24,999) in insurance whereas homeowners in Wayne County, Stoney Creek and Elroy pay 2.6%, 2.68% and 2.57% respectively.
  • Goldsboro, NC’s insurance is 4.1% of monthly housing costs of $1,198/month, for owners with a mortgage compared to 4.31% in Wayne County, 3.68% at Stoney Creek & 5.37% in Elroy. But, for households without a mortgage, insurance is 11.8% of costs ($413 in Goldsboro, NC) in contrast with 13.3% in Wayne County, 11.63% at Stoney Creek & 15.32% in Elroy.

Goldsboro, NC Home Values & Insurance rates

For example, insurance for 438 Homes (7.0% of total homes ) valued between $125,000 to $149,999 in Goldsboro, NC is about $686. Rates in nearby areas in such as Stoney Creek, Fork, Saulston are cheaper by $192, $27, $109 respectively while Wayne County and Elroy are costlier by $55 and $182 respectively for similar homes.

Goldsboro, NC Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 579 9.0% $123
$50,000 to $59,999 229 3.0% $258
$60,000 to $69,999 313 5.0% $322
$70,000 to $79,999 417 6.0% $369
$80,000 to $89,999 420 7.0% $422
$90,000 to $99,999 620 10.0% $469
$100,000 to $124,999 697 11.0% $545
$125,000 to $149,999 438 7.0% $686
$150,000 to $174,999 680 11.0% $810
$175,000 to $199,999 423 7.0% $933
$200,000 to $249,999 538 9.0% $1127
$250,000 to $299,999 288 4.0% $1373
$300,000 to $399,999 321 5.0% $1749

Renters Insurance in Goldsboro

  • Average Renters Insurance in Goldsboro :  $127($10/month)

  • Median Gross Rent in Goldsboro :  $667

  • Goldsboro Renters Insurance to Median Rent Ratio:  1.5%

  • Renter occupied housing units in Goldsboro :  8,668

Goldsboro Renters Insurance as a Percentage of Rent

Goldsboro Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 674 8.0% $331
$200 to $299 568 7.0% $781
$300 to $499 1,147 14.0% $1231
$500 to $749 2,324 29.0% $1906
$750 to $999 2,194 27.0% $2656
$1,000 to $1,499 917 11.0% $3781
$1,500 or more 141 1.0% $5431

Rent Affordability in Goldsboro:

Approximately 44.0% (3,874) of households are spending more than 35% of their income on gross rent in Goldsboro

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 896 10.0%
15.0 to 19.9 percent 987 11.0%
20.0 to 24.9 percent 980 11.0%
25.0 to 29.9 percent 1,176 13.0%
30.0 to 34.9 percent 755 8.0%
35.0 percent or more 3,874 44.0%

Goldsboro Renters Insurance Discounts:

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

Number of Vehicles in Goldsboro, NC Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 3,849 44.0% $12.7
2 vehicles available 2,066 23.0% $19.05
3 or more vehicles available 484 5.0% $25.4

Goldsboro Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 661 7.0% $66
60 to 64 years 516 5.0% $53
65 to 74 years 663 7.0% $43
75 years and over 588 6.0% $33

Protective device discount in Goldsboro Up to :  $19

Claims-free discount in Goldsboro Up to :  $25