High Point Insurance Rates:

High Point, NC home insurance is approximately $506 to $686, about $42-$57/month. Our thorough analysis reveals consumers can save upto $238 by comparing many quotes

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High Point Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
GEICO Insurance
Home Insurance Rate of $410/9 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $215,000

4 Beds, 4 Bath 2060 sqft Primary Residence Constructed In 2012 with Hardwood Flooring, Asphalt Shingles Roof, Chainwall Foundation, Wood siding, Stucco Construction. Home Features Include Central Air Conditioning, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

49 Years old Single Male who is a Freelancer with household income of $50-$75,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $430/6 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $160,000

4 Beds, 4 Bath 1720 sqft Seasonal Residence Constructed In 2006 with Ceramic Tile Flooring, Composition Roof, Crawl Space Foundation, Stucco siding, Metal Frame Construction. Home Features Include Smoke Alarm, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $330/4 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $315,000

4 Beds, 4 Baths 3150 sqft Vacation Property Constructed In 1984 with Carpet Flooring, Slate Shingles Roof, Slab Foundation, Stucco siding, Stucco Construction. Home Features Include Central Air Conditioning, Smoke Alarm, Deadbolt Locks, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

60 Years old Divorced Female who is a Freelancer with household income of $75-$100,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $640/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $285,000

5 Beds, 5 Baths 2960 sqft Seasonal Residence Constructed In 1983 with Wood Flooring, Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

60 Years old Divorced Male who is a Freelancer with household income of $75-$100,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $130/2 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $220,000

4 Beds, 4 Baths 2360 sqft Vacation Property Constructed In 2001 with Carpet over wood flooring, Membrane Roof, Slab Foundation, Wood siding, Wood Frame. Home Features Include Swimming Pool, Fire Extinguisher, Fireplace, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

72 Years old Married Female who is a Freelancer with household income of $75-$100,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $540/3 months for $350,000-$400,000 Coverage
Policy Holder Home Details :

Home Value : $355,000

4 Beds, 4 Baths 4443 sqft Primary Residence Constructed In 1993 with Wood Flooring, Wood Shake Roof, Slab Foundation, Wood siding, Brick Frame. Home Features Include Fireplace, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

23 Years old Married Female 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

  • 650-699 Credit Score

  • Seniors staying at home

High Point, NC Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
27260 $85,700 $580
27265 $163,200 $600
27262 $155,400 $610

High Point Rates & Quotes Analysis:

High Point Area Estimated House Insurance
Brookdale Dr, Florham Dr, Trafalgar Ct, Maple Branch Dr, Ennis St, Kellywood Dr, McDerr Rd, State Rd 1818, Densbury Dr, Grays Land Rd$620
Northpoint Ave, Walden Ln, Nina Ct, Hanover Ct, Nottingham Rd, Roberts Ln, S Hamilton St, Harrison St, Brandemere Dr, Royal Rd$610
Philly Ln, Sherman Rd, Kimery Dr, Cloverbrook Dr, Park Ct, Balsam Ave, Abbeywood Pl, Greenhaven Dr, Terrell Dr, Gardenia Ct$572
Hackney Way, State Rd 1145, Edgeworth St, Ardmore Cir, Westover Dr, Shalotte Dr, Danlee Rd, Curtis Pl, James Rd, Ridgecrest Dr$594
North Ave, Meadowlark Rd, Spring Rd, Brookberry Ct, Crestwood Cir, Montevista Dr, Kirkwood St, Pam St, Brady Pl, Woods Ln$594
Adkins Rd, McKinley St, Quarterstaff Ct, Tyner Rd, Quarterpath Ln, Charles Ave, State Rd 1148, Rockingham Rd, Loftyview Dr, Bramble Dr$619
State Rd 1644, Hendrix St, Old Mill Rd, Kentwood Ct, Colony Dr, Dale Pl, Dilworth Rd, Cedar Trail Ct, Lauren Pl, Hopewell St$619
Claybrooke Ct, Lambeth Ave, Hickswood Rd, Peabody Rd, Gardner Ln, Meta Ct, James Crossing Dr, Eastchester Rd, Stone Pl, Poplar Creek Dr$627
Oxford Pl, Norman Pl, Westwood Ave, Meadowlawn Ave, Mill Wheel Ct, Burnt Mill Rd, Ashford Cir, Wellingham Ln, Essex Ct, Blythe Ct$620
Ann Arbor Ave, Gavin Dr, Eccles Pl, State Rd 1546, Hickory Creek Rd, Bowers Ave, Worth St, Crest Hill Rd, Fairway Dr, Macedonia Ct$574

Insurance rates are influenced by a number of factors including:

  • Year Built: 8,416 Homes (18% of total homes ) built between 1990 to 1999 in High Point are paying home insurance between $860-$868. Places close to High Point, NC such as Jamestown, Friendship, Abbotts Creek are more expensive by $33, $11, $10 respectively while Thomasville and Level Cross are cheaper by $13 and $26 respectively for similar homes.
  • Bedrooms: 18,783 3 bedrooms homes (41% of total homes ) in High Point are paying about $459 in contrast with Jamestown (+$24), Archdale (+$4), Friendship (+$7), Trinity (-$3) and Walkertown (-$7).
  • Auto Insurance Bundling: 10,679 Households (45% of all households) in High Point have 2 vehicles available and when it is bundled with home insurance you can save $119. Discounts for similar bundling in close by locations such as Jamestown, Archdale, Friendship come to $123, $118, $120 respectively.
  • Senior Discounts: 10,306 seniors (more than 55 years) occupied housing units (43% of total) in High Point get discounts between $89 to $91 compared to Jamestown ($92), Archdale ($88), Friendship ($90).
  • New Homes discounts: New homes such as the 22,981 homes built between 2000 to 2009 in High Point can save $119 and varies from Jamestown ($123), Archdale ($118), Friendship ($120).

High Point Homeowners insurance Facts

  • High Point, NC has 23,672 owner occupied houses which is 59.1% of all units whereas Jamestown, Archdale and Friendship have 84.48%, 72.73% and 64.37% respectively.
  • High Point, NC homeowners yearly insurance price at $596 is 0.41% of the typical house value of $145,900 which is in contrast with 0.29% in Jamestown, 0.44% at Archdale & 0.35% in Friendship.
  • Homeowners in High Point, NC pay 0.88% of their income ($60,000 to $74,999) in insurance whereas homeowners in Jamestown, Archdale and Friendship pay 0.92%, 0.88% and 0.89% respectively.
  • High Point, NC’s insurance is 3.8% of monthly housing costs of $1,306/month, for owners with a mortgage compared to 3.48% in Jamestown, 4.15% at Archdale & 3.83% in Friendship. But, for households without a mortgage, insurance is 11.3% of costs ($439 in High Point, NC) in contrast with 12.08% in Jamestown, 13.21% at Archdale & 12.91% in Friendship.

High Point, NC Home Values & Insurance rates

For example, insurance for 3,218 Homes (14.0% of total homes ) valued between $150,000 to $174,999 in High Point, NC is about $661. Rates in nearby areas in such as Jamestown, Friendship, Abbotts Creek are cheaper by $203, $88, $77 respectively while Archdale and Trinity are costlier by $44 and $61 respectively for similar homes.

High Point, NC Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 817 3.0% $101
$50,000 to $59,999 669 2.0% $208
$60,000 to $69,999 867 3.0% $262
$70,000 to $79,999 1,117 4.0% $303
$80,000 to $89,999 1,393 6.0% $345
$90,000 to $99,999 1,429 6.0% $387
$100,000 to $124,999 2,850 12.0% $447
$125,000 to $149,999 3,228 14.0% $560
$150,000 to $174,999 3,218 14.0% $661
$175,000 to $199,999 1,645 7.0% $762
$200,000 to $249,999 3,027 13.0% $917
$250,000 to $299,999 1,281 5.0% $1120
$300,000 to $399,999 1,338 5.0% $1424

Renters Insurance in High Point

  • Average Renters Insurance in High Point :  $113($9/month)

  • Median Gross Rent in High Point :  $757

  • High Point Renters Insurance to Median Rent Ratio:  1.19%

  • Renter occupied housing units in High Point :  16,366

High Point Renters Insurance as a Percentage of Rent

High Point Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 459 2.0% $328
$200 to $299 605 3.0% $778
$300 to $499 1,403 8.0% $1228
$500 to $749 5,169 32.0% $1903
$750 to $999 5,056 32.0% $2653
$1,000 to $1,499 2,284 14.0% $3778
$1,500 or more 702 4.0% $5428

Rent Affordability in High Point:

Approximately 47.0% (7,828) of households are spending more than 35% of their income on gross rent in High Point

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,688 10.0%
15.0 to 19.9 percent 1,976 12.0%
20.0 to 24.9 percent 1,944 11.0%
25.0 to 29.9 percent 1,832 11.0%
30.0 to 34.9 percent 1,098 6.0%
35.0 percent or more 7,828 47.0%

Protective device discount in High Point Up to :  $16

Claims-free discount in High Point Up to :  $22