Chapel Hill Insurance Rates:

Chapel Hill, NC homeowners insurance is approximately $563 to $767, about $46-$63/month. Our thorough guide indicates shoppers can save upto $266 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Liberty Mutual Insurance
My insurance gets lower every year if i avoid any situations in where i need the insurance. i pay less than my neighbors.
State Farm Insurance
They require payments on time. they have options for withdrawing monthly payments on your account, but sometimes they take it beforehand.
State Farm
I do not have anything negative to say about state farm as i have not had any major issues that caused for concern or action at this time.

Chapel Hill, NC Homeowners Insurance By Home Value

Chapel Hill, NC Home Value Total Homes % of Total Average Chapel Hill, NC Homeowners Insurance
Less than $50,000 699 7.0% $39
$100,000 to $124,999 458 4.0% $199
$125,000 to $149,999 447 4.0% $253
$150,000 to $174,999 829 8.0% $293
$175,000 to $199,999 570 5.0% $339
$200,000 to $249,999 1,599 16.0% $412
$250,000 to $299,999 1,462 14.0% $506
$300,000 to $399,999 3,566 36.0% $639

Top Home Insurance Agents Near Chapel Hill, NC

Home Insurance Company Near Chapel Hill, NC Homeowners Insurance Agency Near Chapel Hill, NC Address
Nationwide Brewer Insurance Group Inc. 142 Shannon Village, Louisburg, NC, 27549-2606
State Farm David Satterfield Ste 590B 165 Holt Garrison Pkwy, Danville, VA, 24540-5949
Travelers George Stevens Insurance Agency Inc 1320 HILL ST, DURHAM, NC, 27707
Travelers Hpb Insurance Group Inc 324 W WENDOVER AVE STE 110, GREENSBORO, NC, 27408
Allstate Jeremy Hathcock 817 S Fayetteville St, Asheboro, NC, 27203

Chapel Hill, 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
Carrboro town, North Carolina $99 $132 $198
Bingham township, Orange County, North Carolina $94 $125 $188
Orange County, North Carolina $95 $127 $191

Chapel Hill, 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
Chapel Hill, NC2.5%8.2%
Carrboro2.48%8.3%
Bingham3.15%12.58%
Orange County2.88%10.35%

Chapel Hill Renters Insurance as a Percentage of Rent

Chapel Hill Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 195 1.0% $752
$300 to $499 589 3.0% $1202
$500 to $749 4,024 25.0% $1877
$750 to $999 5,824 36.0% $2627
$1,000 to $1,499 3,304 20.0% $3752
$1,500 or more 1,686 10.0% $5402

Chapel Hill, NC Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$2,600
Yearly Chapel Hill Homeowner Insurance Premium Example $1,900$1,500
Out of Pocket Expense During Claim$600$2,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $15,800$14,600
Net Savings to Chapel Hill Home Owner from High Deductible Plan $1,200

Chapel Hill, NC Home Insurance Costs With Home Replacement Value Scenarios

Scenario Chapel Hill, NC Home Replacement Value MORE than Home Value Chapel Hill, NC Home Replacement Value LESS than Home Value
Replacement Value $243,000 $159,000
Insurance Premium based on Replacement Value $1,300 $850
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $45,000 Risk Exposure from Under Insuring Coverage is $39,000
Premium Impact Insurance cheaper by $200/year Insurance costlier by $250/year

Example Chapel Hill Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualAmica Mutual Insurance CompanyErie Insurance
Monthly Premium 846270
Year Built 197820042014
Home Details 3 Beds, 2 Baths2 Beds, 1 Baths4 Beds, 1 Baths
Coverage Amount $300000-$350000$250000-$300000$300000-$350000
Deductible > $10,000 Deductible$5000 to $10,000 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2006 615,000 Metal Roof 3,130 4 $2500-$5000 Deductible 1740 10 Wood siding No
2010 405,000 Wood Shake Roof 2,010 3 $500 Deductible 1750 12 Vinyl siding yes
1997 335,000 Composition Roof 1,740 2 $1000-$2500 Deductible 1040 9 Fiber-Cement Siding No
1999 655,000 Tile Roof 3,400 5 $5000 to $10,000 Deductible 1190 5 Fiber-Cement Siding yes
1986 395,000 Shingles Roof 2,230 4 $500- $1000 Deductible 960 5 Fiber-Cement Siding yes
1986 315,000 Shingles Roof 2,050 4 $500- $1000 Deductible 970 9 Vinyl siding No
1996 300,000 Slate Shingles Roof 1,830 4 $500 Deductible 640 4 Wood siding yes
2004 390,000 Composition Roof 1,810 3 $500 Deductible 480 3 Stone Siding No
2010 170,000 Membrane Roof 1,050 2 $500 Deductible 250 4 Wood siding yes
1996 180,000 Asphalt Shingles Roof 1,040 2 $500 Deductible 510 7 Brick siding yes
2011 445,000 Slate Shingles Roof 2,240 3 $5000 to $10,000 Deductible 1100 8 Brick siding No
1971 410,000 Composition Roof 2,600 4 > $10,000 Deductible 630 9 Wood siding No
1982 325,000 Wood Shake Roof 1,620 2 $1000-$2500 Deductible 390 3 Stone Siding No
1996 470,000 Asphalt Shingles Roof 2,794 4 $2500-$5000 Deductible 2470 7 Wood siding yes