Swansboro Insurance Rates:

Swansboro, NC home insurance is approximately $509 to $692, about $42-$57/month. Our complete research indicates shoppers can save upto $240 by comparing different quotes

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Swansboro Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Chubb Group of Insurance
Home Insurance Rate of $930/5 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $435,000

5 Beds, 5 Baths 4250 sqft Vacation Property Constructed In 1990 with Wood Flooring, Shingles Roof, Piers Foundation, Stucco siding, Wood Frame. Home Features Include Deadbolt Locks, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

45 Years old Single Female who is Unemployed and has 3 Pets and is a Smoker

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

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $510/10 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $175,000

3 Beds, 3 Bath 1750 sqft Rental Property Constructed In 2011 with Stone Flooring, Membrane Roof, Piers Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Smoke Alarm, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

38 Years old Divorced Male who has a Full Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

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

  • 800-850 Credit Score

Home Insurance Rate of $580/10 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $155,000

5 Beds, 5 Baths 1830 sqft Vacation Property Constructed In 2005 with Linoleum, Tile Roof, Piers Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $490/6 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $195,000

3 Beds, 3 Bath 1930 sqft Seasonal Residence Constructed In 2010 with Carpet over wood flooring, Asphalt Shingles Roof, Slab Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Fireplace, Smoke Alarm, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

66 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $50/1 month for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $150,000

3 Beds, 3 Baths 1710 sqft Rental Property Constructed In 2012 with Carpet over wood flooring, Tile Roof, Chainwall Foundation, Wood siding, Stucco Construction. Home Features Include Fire Extinguisher, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

36 Years old Married Female who is Unemployed and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $430/9 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $195,000

3 Beds, 3 Bath 2140 sqft Vacation Property Constructed In 1998 with Linoleum, Membrane Roof, Piers Foundation, Stucco siding, Brick Frame. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

72 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $200/5 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $140,000

3 Beds, 3 Baths 1660 sqft Seasonal Residence Constructed In 2010 with Wood Flooring, Composition Roof, Slab Foundation, Brick siding, Wood Frame. Home Features Include Central Air Conditioning, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

45 Years old Single Female who is Unemployed and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $390/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $260,000

3 Beds, 3 Baths 2380 sqft Seasonal Residence Constructed In 2014 with Hardwood Flooring, Shingles Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Fireplace, Fire Extinguisher, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

50 Years old Single Male who is a Freelancer with household income of $75-$100,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $280/8 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $130,000

4 Beds, 4 Bath 1640 sqft Primary Residence Constructed In 1996 with Carpet Flooring, Tile Roof, Crawl Space Foundation, Stucco siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

57 Years old Divorced Female who is Unemployed and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $430/8 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $175,000

3 Beds, 3 Bath 2130 sqft Primary Residence Constructed In 2014 with Carpet Flooring, Slate Shingles Roof, Piers Foundation, Stone Siding, Metal Frame Construction. Home Features Include Swimming Pool, Smoke Alarm, Copper Water Pipes, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

71 Years old Single Male who is Retired with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Swansboro, NC Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
28584 $228,500 $630

Swansboro Rates & Quotes Analysis:

Swansboro Area Estimated House Insurance
Front St, Seagull Way, April Ln, Queens Rd, N Queens St, Channel Marker Loop, Kingsbridge Rd, Burns Ln, Oyster Bay Rd, Old State Hwy 24$612
State Rd 1508, S Elm St, Hampshire Ln, Camp Rd, Prince Dr, State Rd 1566, Sussex Ln, Marcia Ct, Fox Ln, Crown Point Rd$599
Timber Ridge Dr, Pine Needle Dr, Thomas Holland Rd, Norris Rd, State Rd 1602, W Russell St, Larch Ct, Freshwater Dr, Smith Rd, Daniel Dr$619
Ward Rd, Waterfront Rd, Barbour Rd, Cannon Spr, Elcona St, Curt Holland Rd, Westwood Ct, Melissa Ln, Hamrick Rd, Beagle Dr$611
Pine Ct, State Rd 1425, N Branch Cir, Wgasa Dr, Tierce Ln, Quaker Bridge Rd, Patsy Ln, White Oak River Rd, St 1810, State Rd 1778$593

Insurance rates are influenced by a number of factors including:

  • Year Built: 1,809 Homes (21% of total homes ) built between 1980 to 1989 in Swansboro are paying home insurance between $897-$906. Places close to Swansboro, NC such as Cedar Point, Cape Carteret, Emerald Isle are more expensive by $94, $48, $125 respectively while Peletier and Camp Lejeune are cheaper by $17 and $16 respectively for similar homes.
  • Bedrooms: 5,186 3 bedrooms homes (60% of total homes ) in Swansboro are paying about $469. Areas near to Swansboro such as Cedar Point, Cape Carteret, Emerald Isle are costlier by $43, $26, $59 respectively whereas Peletier and Piney Green are more economical by $8, $4 respectively for similar homes.
  • Auto Insurance Bundling: 1,254 Households (26% of all households) in Swansboro have 3 or more vehicles available and when it is bundled with home insurance you can save $150. Discounts for similar bundling in close by locations such as Cedar Point, Cape Carteret, Peletier come to $166, $158, $147 respectively.
  • Senior Discounts: 1,760 seniors (more than 55 years) occupied housing units (37% of total) in Swansboro get discounts between $89 to $92 compared to Cedar Point ($99), Cape Carteret ($95), Peletier ($88).
  • New Homes discounts: New homes such as the 5,063 homes built between 2000 to 2009 in Swansboro can save $120 and similar new home insurance discounts in nearby towns and cities like Cedar Point, Cape Carteret and Peletier are $132, $126 and $118 respectively.

Swansboro Homeowners insurance Facts

  • Swansboro, NC has 4,657 owner occupied houses which is 65.0% of all units whereas Cedar Point, Cape Carteret and Peletier have 80.78%, 82.13% and 74.57% respectively.
  • Swansboro, NC homeowners yearly insurance price at $601 is 0.37% of the typical house value of $160,500 which is in contrast with 0.19% in Cedar Point, 0.24% at Cape Carteret & 0.46% in Peletier.
  • Homeowners in Swansboro, NC pay 4.81% of their income ($10,000 to $14,999) in insurance whereas homeowners in Cedar Point, Cape Carteret and Peletier pay 5.31%, 5.07% and 4.72% respectively.
  • Swansboro, NC’s insurance is 4.0% of monthly housing costs of $1,263/month, for owners with a mortgage compared to 2.73% in Cedar Point, 3.29% at Cape Carteret & 4.57% in Peletier. But, for households without a mortgage, insurance is 12.4% of costs ($403 in Swansboro, NC) in contrast with 11.13% in Cedar Point, 11.41% at Cape Carteret & 14.59% in Peletier.

Swansboro, NC Home Values & Insurance rates

For example, insurance for 52 Homes (1.0% of total homes ) valued between $80,000 to $89,999 in Swansboro, NC is about $312. Rates in nearby areas in such as Cedar Point, Emerald Isle, Broad Creek are cheaper by $160, $175, $38 respectively while Peletier and Piney Green are costlier by $77 and $33 respectively for similar homes.

Swansboro, NC Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 469 11.0% $90
$50,000 to $59,999 48 1.0% $192
$60,000 to $69,999 83 1.0% $240
$70,000 to $79,999 83 1.0% $276
$80,000 to $89,999 52 1.0% $312
$100,000 to $124,999 468 11.0% $408
$125,000 to $149,999 755 18.0% $510
$150,000 to $174,999 788 18.0% $607
$175,000 to $199,999 214 5.0% $697
$200,000 to $249,999 532 12.0% $841
$250,000 to $299,999 317 7.0% $1027
$300,000 to $399,999 347 8.0% $1310

Renters Insurance in Swansboro

  • Average Renters Insurance in Swansboro :  $106($8/month)

  • Median Gross Rent in Swansboro :  $883

  • Swansboro Renters Insurance to Median Rent Ratio:  0.91%

  • Average household size of renter-occupied unit :  2.68

Swansboro Renters Insurance as a Percentage of Rent

Swansboro Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 39 1.0% $776
$300 to $499 93 4.0% $1226
$500 to $749 696 30.0% $1901
$750 to $999 629 27.0% $2651
$1,000 to $1,499 708 30.0% $3776
$1,500 or more 127 5.0% $5426

Rent Affordability in Swansboro:

Approximately 48.0% (1,224) of households are spending more than 35% of their income on gross rent in Swansboro

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 242 9.0%
15.0 to 19.9 percent 266 10.0%
20.0 to 24.9 percent 300 11.0%
25.0 to 29.9 percent 232 9.0%
30.0 to 34.9 percent 242 9.0%
35.0 percent or more 1,224 48.0%

Protective device discount in Swansboro Up to :  $15

Claims-free discount in Swansboro Up to :  $21