Asheville Insurance Rates:

Asheville, NC homeowners insurance is roughly $520 to $705, about $43-$58/month. Our detailed research reveals consumers can save as much as $244 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate Insurance Company
They have a broad portfolio. it is convenient that the same insurance company for all of my needs.
Progressive
If i ever wanted to go to the insurance company in person, i live very far away from one of their locations so that is not very helpful for me.
State Farm
One thing that i do like about state farm insurance is the fact that the insurance agent is someone well known.

Asheville, NC Homeowners Insurance By Home Value

Asheville, NC Home Value Total Homes % of Total Average Asheville, NC Homeowners Insurance
Less than $50,000 939 5.0% $73
$60,000 to $69,999 183 1.0% $201
$70,000 to $79,999 221 1.0% $232
$80,000 to $89,999 491 2.0% $263
$90,000 to $99,999 352 2.0% $293
$100,000 to $124,999 1,606 9.0% $342
$125,000 to $149,999 2,192 12.0% $428
$150,000 to $174,999 2,017 11.0% $507
$175,000 to $199,999 2,052 11.0% $581
$200,000 to $249,999 2,852 16.0% $703
$250,000 to $299,999 1,974 11.0% $856
$300,000 to $399,999 2,074 12.0% $1095

Top Home Insurance Agents Near Asheville, NC

Home Insurance Company Near Asheville, NC Homeowners Insurance Agency Near Asheville, NC Address
Erie Avery Kincaid Insurance 215 Pineola Street, Newland, NC, 28657
Travelers Edwards Insurance Agency Of Greenville 4 E LEE RD, TAYLORS, SC, 29687
Travelers Michael Small Insurance Agency 305 WEST MAIN ST, TAYLORS, SC, 29687
Travelers Mimosa Insurance Agency Llc 207 N STERLING ST, MORGANTON, NC, 28655
Travelers Sneeden-Melton & Assocs 227 Rosman Hwy , Brevard, NC, 28712

Cost Of Homeowners Insurance By Street Near Asheville, NC

Streets in Asheville Area Homeowners Insurance Cost
Glenview Rd, Biltmore Plz, Maplewood Rd, Spring Tree Ln, Ascension Dr, Reeves Cove Rd, Driftstone Cir, Muirfield Ct, Elkwood Ave, State Rd 1481$652
Sardis Dr, W Chapel Rd, Springside Rd, Barn Owl Rd, Joan Way, Jeremiah Blvd, State Rd 3195, Cherokee Rd, Deaverview Rd, Little Knob Rd$635
Swift St, Shadow Oaks Dr, Georgetown Dr, Pop Walker Rd, Ethel Marlowe Ct, Cabin Cove Rd, Sumter St, Magic Sam Ct, Reynolds Rd, Southwinds Rd$607
Ridgewood Pl, Westview Ln, State Rd 2032, Wedgefield Pl, Bilberry Ln, Cowan Cove, State Rd 2401, Timson Rd, State Rd 2099, State Rd 3194$591
Kalmia Dr, Bear Left, Brookshire Pl, Above the Clouds Dr, State Rd 1254, Jims Branch Rd, Emory Pl, Old Sardis Road Cir, Capps Lake Rd, Hilliard Ave$605
Rock Hill Rd, Westover Aly, Tingle Aly, Spring Ln, Wendover Rd, Trotters Cir, Pritchard Rd, Circle St, Church Rd, Liberty Cir$627
Ashe 24 Rd, Black Bear Ln, State Rd 2547, Rutherford Rd, Old Charlotte Hwy, Deep Creek Trl, Moriah Ln, Printers Ln, Glen Crest Dr, Asbury Rd$616
Craggy Ave, Village Oak Dr, Clifford Way, Ardimon Rd, Atkins St, State Rd 3128, Liberty St, Buxton Ave, State Rd 1230, S Pack Sq$613
School Rd E, Old Turnpike Rd, Smith Graveyard Rd, Granite Dr, Adams Hill Rd, Griffing Cir, State Rd 2845, Lone Wolf Trl, Secluded Forest Dr, Pocono Ct$611
Poplar Acres Dr, Vineyard Blvd, Hampstead Rd, Zephyr Dr, Eastmoor Dr, Birch Cir, Smith Lake Rd, Wesley Branch Rd, Spring Cove Ct, Delova Ln$618

Asheville, NC Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Asheville$91 to $94
Biltmore Forest$122
Buncombe County$91
Lower Hominy$90

Asheville, NC Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Biltmore Forest town, North Carolina $102 $136 $204
Buncombe County, North Carolina $76 $101 $152
Lower Hominy township, Buncombe County, North Carolina $76 $101 $151

Asheville, NC Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Asheville, NC3.9%11.4%
Biltmore Forest1.97%6.8%
Buncombe County3.94%13.91%
Lower Hominy4.01%14.81%

Asheville Renters Insurance as a Percentage of Rent

Asheville Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 812 4.0% $322
$200 to $299 1,030 6.0% $772
$300 to $499 1,126 6.0% $1222
$500 to $749 4,451 26.0% $1897
$750 to $999 4,769 27.0% $2647
$1,000 to $1,499 3,772 22.0% $3772
$1,500 or more 1,157 6.0% $5422

Asheville, NC Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$800$2,800
Yearly Asheville Homeowner Insurance Premium Example $1,100$600
Out of Pocket Expense During Claim$800$2,800
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $7,400$6,400
Net Savings to Asheville Home Owner from High Deductible Plan $1,000

Asheville, NC Home Insurance Costs With Home Replacement Value Scenarios

Scenario Asheville, NC Home Replacement Value MORE than Home Value Asheville, NC Home Replacement Value LESS than Home Value
Replacement Value $153,500 $113,000
Insurance Premium based on Replacement Value $700 $525
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $23,000 Risk Exposure from Under Insuring Coverage is $17,500
Premium Impact Insurance cheaper by $75/year Insurance costlier by $100/year

Example Asheville Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualChubb Group of InsuranceNationwide Insurance
Monthly Premium 2267845
Year Built 200019711985
Home Details 5 Beds, 3 Baths4 Beds, 3 Baths2 Beds, 1 Baths
Coverage Amount $600000-$700000$200000-$250000$100000-$125000
Deductible $500- $1000 Deductible$2500-$5000 Deductible$1000-$2500 Deductible

Sample Home Insurance Rates for Asheville, NC from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1999 280,000 Slate Shingles Roof 2,130 5 $500 Deductible 680 7 Fiber-Cement Siding No
1979 120,000 Shingles Roof 1,270 2 $500 Deductible 230 5 Wood siding yes
1972 430,000 Membrane Roof 4,330 5 $500 Deductible 330 3 Wood siding yes
1961 305,000 Composition Roof 2,390 4 $500 Deductible 700 4 Stucco siding yes
1943 420,000 Membrane Roof 3,350 4 $500- $1000 Deductible 160 1 Fiber-Cement Siding yes
1994 250,000 Asphalt Shingles Roof 1,970 4 $2500-$5000 Deductible 800 10 Wood siding No
2006 495,000 Membrane Roof 3,940 5 $500 Deductible 1940 9 Brick siding No
1996 450,000 Composition Roof 4,480 5 $2500-$5000 Deductible 1980 12 Stucco siding yes
1967 120,000 Tile Roof 960 2 $500 Deductible 200 4 Stone Siding No
1948 100,000 Shingles Roof 1,060 2 $1000-$2500 Deductible 280 9 Stucco siding No
1980 305,000 Metal Roof 2,610 4 $2500-$5000 Deductible 520 6 Stucco siding No
1986 155,000 Slate Shingles Roof 1,720 3 $1000-$2500 Deductible 550 10 Brick siding yes
1992 345,000 Tile Roof 2,486 4 $2500-$5000 Deductible 540 2 Fiber-Cement Siding No