Sylva Insurance Rates:

Sylva, NC home insurance is approximately $506 to $694, about $42-$57/month. Our complete guide reveals consumers can save upto $240 by getting multiple quotes

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Sylva Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Nationwide Insurance
Home Insurance Rate of $600/9 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $110,000

3 Beds, 3 Bath 1430 sqft Seasonal Residence Constructed In 2014 with Hardwood Flooring, Wood Shake Roof, Crawl Space Foundation, Stucco siding, Stucco Construction. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

31 Years old Single Male who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Smoker

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

  • 800-850 Credit Score

Home Insurance Rate of $540/5 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $290,000

4 Beds, 4 Baths 2970 sqft Primary Residence Constructed In 1990 with Linoleum, Asphalt Shingles Roof, Piers Foundation, Stone Siding, Brick Frame. Home Features Include Copper Water Pipes, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

42 Years old Single Female who is Unemployed and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $2040/12 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $400,000

5 Beds, 5 Baths 3610 sqft Rental Property Constructed In 2002 with Hardwood Flooring, Membrane Roof, Crawl Space Foundation, Vinyl siding, Brick Frame. Home Features Include Fireplace, Central Air Conditioning, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

69 Years old Married Male who has a Full Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $180/2 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $185,000

3 Beds, 3 Bath 1670 sqft Seasonal Residence Constructed In 1997 with Stone Flooring, Wood Shake Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Copper Water Pipes, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

66 Years old Married Female who has a Full Time Job with household income of $100-$150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1110/9 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $340,000

5 Beds, 5 Baths 3920 sqft Primary Residence Constructed In 1985 with Ceramic Tile Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Swimming Pool, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

25 Years old Married Male who is a Freelancer with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $170/3 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $235,000

3 Beds, 3 Baths 2400 sqft Seasonal Residence Constructed In 2008 with Linoleum, Composition Roof, Crawl Space Foundation, Stone Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Central Air Conditioning, Smoke Alarm, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $340/5 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $185,000

3 Beds, 3 Baths 1980 sqft Seasonal Residence Constructed In 1986 with Wood Flooring, Metal Roof, Slab Foundation, Stone Siding, Stucco Construction. Home Features Include Central Air Conditioning, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

67 Years old Married Female who is Retired with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $170/2 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $385,000

5 Beds, 5 Baths 3720 sqft Rental Property Constructed In 2001 with Stone Flooring, Composition Roof, Chainwall Foundation, Stucco siding, Wood Frame. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

73 Years old Married Female who is a Freelancer with household income of more than $150,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Sylva, NC Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
28779 $168,800 $610

Sylva Rates & Quotes Analysis:

Sylva Area Estimated House Insurance
Stormy Cove, Topeka Dr, Jarrett Hills Rd, Rocking Chair Ln, Alfalfa Ln, Painter St, Reservoir St, Wichita Dr, Flaxman Cove, Ashe Loop$617
Scotts Creek Rd, Parris Branch Rd, Hilltop Dr, State Rd 1437, Mason St, Airy Ln, State Rd 1439, Jaguar Dr, Cowee St, Love Ln$602
Clayton St, Farmstead Dr, Crestview Hts, Wild Plum Ln, Powder Horn Dr, Kilowatt Ln, N Sunset Ln, Bart Cove Rd, Allens Br Rd, Newport Dr$602
Sunrise Park St, Log Heaven Rd, Astro Dr, Black Rock Ranch Rd, Elfin Cove Rd, 1st Ave, Duckback Trl, Dills Branch Rd, Garret Ln, Limestone Trl$597
S River Rd, Old Field Cemetery Rd, Huckleberry Cove, State Rd 1432, Sweet William Ln, Varsity Dr, Shallotte Ridge, State Rd 1442, US Hwy 441, E Main St$612
Hallie Manor Ct, Brigadoon Branch, Freshwater Rdg Rd, State Rd 1387, Cinder Ridge, Dills Hills, Grace Rd, Sylvan Hts, Crawford Cove Rd, Nicol Arms Rd$601
Schulman St, Frontier Dr, Conner Rd, Cheyenne Trl, Long Branch Church Rd, Sagebrush Trl, Dills Cove Rd, Ensley St, Hallelujah Acres, Hall Hts$600
Mountain Heritage Dr, Going South Ln, Asheville Hwy, Falls Cir, Snapdragon Ln, State Rd 1383, Kirk Rd, Yorkshire Dr Pvt, Saturn St, Creeksong Rd$596
E Jackson St, Kittyhawk Rd, Kimbrell Ln, Bristol Dr, Webster St, E Raccoon Ridge, Southern Vw, Bradford Ln, Alexander St, What A View Dr$620
US Hwy 23 Bus, Light Foot Dr, Alzena Rd, Herron Branch Rd, Carolina Dr, Teakwood Ln, Seminole, Burch Rd, Kee-Kee Run, Oleander Ln$597

Insurance rates are influenced by a number of factors including:

  • Year Built: 577 Homes (15% of total homes ) built between 1980 to 1989 in Sylva are paying home insurance between $895-$904. Places close to Sylva, NC such as Webster, Forest Hills, Savannah are more expensive by $37, $47, $30 respectively while Cherokee and Charleston are cheaper by $28 and $21 respectively for similar homes.
  • Bedrooms: 1,374 2 bedrooms homes (37% of total homes ) in Sylva are paying about $366. Areas near to Sylva such as Dillsboro, Webster, Forest Hills are costlier by $4, $16, $20 respectively whereas Cherokee and Charleston are more economical by $11, $8 respectively for similar homes.
  • Auto Insurance Bundling: 861 Households (45% of all households) in Sylva have 2 vehicles available and when it is bundled with home insurance you can save $120. Discounts for similar bundling in close by locations such as Dillsboro, Barkers Creek, Webster come to $121, $120, $125 respectively.
  • Senior Discounts: 1,059 seniors (more than 55 years) occupied housing units (56% of total) in Sylva get discounts between $89 to $92. The comparative concessions in proximate regions such as Dillsboro, Webster and Qualla are $90, $93 and $89 respectively.
  • New Homes discounts: New homes such as the 1,036 homes built between 2000 to 2009 in Sylva can save $120 and differs from Dillsboro ($121), Barkers Creek ($120), Webster ($125).

Sylva Homeowners insurance Facts

  • Sylva, NC has 1,885 owner occupied houses which is 61.3% of all units whereas Dillsboro, Barkers Creek and Webster have 71.64%, 89.33% and 74.03% respectively.
  • Sylva, NC homeowners yearly insurance price at $600 is 0.38% of the typical house value of $158,000 which is in contrast with 0.35% in Dillsboro, 0.38% at Barkers Creek & 0.26% in Webster.
  • Homeowners in Sylva, NC pay 2.67% of their income ($20,000 to $24,999) in insurance whereas homeowners in Dillsboro, Barkers Creek and Webster pay 2.69%, 2.67% and 2.78% respectively.
  • Sylva, NC’s insurance is 4.6% of monthly housing costs of $1,099/month, for owners with a mortgage compared to 4.55% in Dillsboro, 4.81% at Barkers Creek & 4.54% in Webster. But, for households without a mortgage, insurance is 20.6% of costs ($243 in Sylva, NC) in contrast with 17.69% in Dillsboro, 22.52% at Barkers Creek & 17.72% in Webster.

Sylva, NC Home Values & Insurance rates

For example, insurance for 314 Homes (18.0% of total homes ) valued between $100,000 to $124,999 in Sylva, NC is about $414. Rates in nearby areas in such as Dillsboro, Webster, Cullowhee are cheaper by $33, $127, $45 respectively while Qualla and Cherokee are costlier by $21 and $225 respectively for similar homes.

Sylva, NC Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 251 14.0% $90
$50,000 to $59,999 27 1.0% $198
$60,000 to $69,999 20 1.0% $246
$70,000 to $79,999 34 1.0% $282
$80,000 to $89,999 63 3.0% $318
$90,000 to $99,999 67 3.0% $360
$100,000 to $124,999 314 18.0% $414
$125,000 to $149,999 63 3.0% $522
$150,000 to $174,999 323 18.0% $612
$175,000 to $199,999 115 6.0% $708
$200,000 to $249,999 136 7.0% $852
$250,000 to $299,999 178 10.0% $1044
$300,000 to $399,999 122 7.0% $1326

Renters Insurance in Sylva

  • Average Renters Insurance in Sylva :  $107($8/month)

  • Median Gross Rent in Sylva :  $628

  • Sylva Renters Insurance to Median Rent Ratio:  1.27%

  • Renter occupied housing units in Sylva :  1,188

Sylva Renters Insurance as a Percentage of Rent

Sylva Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 22 1.0% $776
$300 to $499 125 11.0% $1226
$500 to $749 665 59.0% $1901
$750 to $999 253 22.0% $2651
$1,000 to $1,499 48 4.0% $3776

Rent Affordability in Sylva:

Approximately 40.0% (485) of households are spending more than 35% of their income on gross rent in Sylva

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 131 11.0%
15.0 to 19.9 percent 136 11.0%
20.0 to 24.9 percent 79 6.0%
25.0 to 29.9 percent 135 11.0%
30.0 to 34.9 percent 222 18.0%
35.0 percent or more 485 40.0%

Sylva Renters Insurance Discounts:

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

Number of Vehicles in Sylva, NC Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 636 53.0% $10.7
2 vehicles available 306 25.0% $16.05
3 or more vehicles available 77 6.0% $21.4

Sylva Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 91 7.0% $62
60 to 64 years 36 3.0% $50
65 to 74 years 36 3.0% $40
75 years and over 44 3.0% $31

Protective device discount in Sylva Up to :  $16

Claims-free discount in Sylva Up to :  $21