Charlotte, NC - Data on Home Insurance Quotes, Rates & Agents

Charlotte, NC Home Value	Total Homes	% of Total	Average Homeowners Insurance
Less than $50,000	4,415	3.0%	$84
$50,000 to $59,999	1,505	1.0%	$181
$60,000 to $69,999	2,579	1.0%	$223
$70,000 to $79,999	3,849	2.0%	$260
$80,000 to $89,999	5,951	4.0%	$296
$90,000 to $99,999	7,241	5.0%	$326
$100,000 to $124,999	20,042	13.0%	$381
$125,000 to $149,999	20,589	14.0%	$477
$150,000 to $174,999	19,409	13.0%	$562
$175,000 to $199,999	12,971	9.0%	$653
$200,000 to $249,999	17,460	12.0%	$786
$250,000 to $299,999	12,925	8.0%	$961
$300,000 to $399,999	15,034	10.0%	$1222

Home Insurance Company Near Charlotte, NC	Homeowners Insurance Agency Near Charlotte, NC	Address
State Farm	Dick Kay	1501 Ebenezer Rd, Rock Hill, SC, 29732-1806
Nationwide	Mark Jennings Agency	1806 E Innes St, Salisbury, NC, 28146
Travelers	Pinnacle Insurance Group Llc	10021 Park Cedar Drive Suite 200, Charlotte, NC, 28210
Liberty Mutual Independent	Rdr Insurance Services Inc	5960 FAIRVIEW RD STE 100, CHARLOTTE, NC, 28210
Travelers	Wells Fargo Ins Services Usa Inc	6100 FAIRVIEW RD STE 1400, CHARLOTTE, NC, 28210

Charlotte Area	Estimated House Insurance
Demeter Ln, Lynway Dr, Pathenon Ct, Bremerton Ct, Danforth Ln, Lobilia Ln, Dunleigh Dr, Watersreach Ln, Carnfeld Ln, Patriots Point Ln	$579
Goosedown Ct, Elm Bend Dr, Commons Crossing Dr, Home Pl, Fairway Point Dr, Lago Vista Ct, Ballantyne Corporate Pl, Carnoustie Ln, Deherradora Ave, Whistling Oak Ct	$637
Regal Oaks Dr, Chippendale Rd, Perkins Rd, Granville Rd, State Rd 2649, State Rd 3137, Fernstone Cir, Harness Ln, Calabassas Ln, Nikki Cole Dr	$586
E 12th St, Gaynelle Dr, Valleymoon Ln, Levins Hall Rd, W 11th St, Cherokee Rd, State Rd 3437, Hampton Heritage Dr, Clarencefield Dr, Austine Locke Way	$622
Trembeth Dr, Antlers Ln, Parham Pl, Emstead Ct, Redbud St, Galax Dr, Red Bluff Ct, Seymour Dr, Markworth Ave, Gaelic Pl	$595
Sylvia Ct, State Rd 2801, Kensington Gardens Ct, Glencairn Ct, Hugue Way, Ballanvilla Dr, Plainwood Dr, Nealwood Ln, Ingleside Dr, Wolf Trap Ct	$637
Cheval Pl, Battery Pl, State Rd 2548, Glasgow Rd, Elon St, Colwick Rd, Log Cabin Rd, S Cloudman St, Wilkinson Blvd, Old Meadow Rd	$574
Insley Ct, State Rd 3897, Shiro Ct, Holbert Cir, State Rd 2544, Brentford Dr, State Rd 2601, Chamberlain Ave, Liberty Hall Pl, Gallison Ave	$585
Galena View Dr, Ashton Dr, Knob Oak Ln, Volusia Ct, Jewelflower Rd, Richland Dr, State Rd 3534, Thornhaven Ct, Delman Ln, Armory Dr	$604
Plott Rd, Kirkley View Ct, By-Way Rd, Michael Dr, Bending Branch Rd, Trailwater Rd, Witney Ln, Snow Creek Ln, Hickory View Ln, Elkston Dr	$596

Place	Home insurance as a % of housing cost for homes with mortgage	Home insurance as a % of housing cost for homes without mortgage
Charlotte, NC	3.5%	11.0%
Mecklenburg County	3.41%	11.2%
Pineville	3.91%	11.47%
Matthews	3.34%	11.46%

Charlotte Home By Monthly Rent	Total Homes	% of Total	Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200	1,576	1.0%	$324
$200 to $299	1,800	1.0%	$774
$300 to $499	4,506	3.0%	$1224
$500 to $749	31,366	25.0%	$1899
$750 to $999	41,820	34.0%	$2649
$1,000 to $1,499	32,164	26.0%	$3774
$1,500 or more	7,811	6.0%	$5424

Zip Code	Median Home Value	Median Homeowners Insurance
28208	$88,300	$580
28206	$88,100	$580
28207	$763,900	$800
28203	$371,400	$690
28211	$360,900	$690
28204	$310,900	$670
28226	$284,700	$640
28270	$283,400	$650
28277	$282,000	$650
28209	$275,400	$640
28202	$269,300	$640
28210	$248,400	$630
28278	$200,600	$620
28269	$165,200	$610
28205	$161,600	$610
28273	$152,800	$600
28227	$152,400	$610
28262	$151,200	$600
28213	$139,500	$600
28215	$131,800	$600
28214	$131,100	$600
28216	$127,000	$590
28212	$119,600	$590
28217	$111,200	$590

	Low Deductible	High Deductible
Deductible	$1,600	$2,600
Yearly Charlotte Homeowner Insurance Premium Example	$900	$700
Out of Pocket Expense During Claim	$1,600	$2,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim	$8,800	$8,200
Net Savings to Charlotte Home Owner from High Deductible Plan		$600

Scenario	Charlotte, NC Home Replacement Value MORE than Home Value	Charlotte, NC Home Replacement Value LESS than Home Value
Replacement Value	$182,500	$132,000
Insurance Premium based on Replacement Value	$1,100	$800
Risk Exposure from Under Insuring Coverage	Unnecessary Home Insurance Coverage of $20,000	Risk Exposure from Under Insuring Coverage is $30,500
Premium Impact	Insurance cheaper by $200/year	Insurance costlier by $100/year

Place	1 Car Bundle Savings	2 Car Bundle Savings	3 Car Bundle Savings
Mecklenburg County, North Carolina	$76	$101	$152
Pineville town, North Carolina	$75	$100	$150
Matthews town, North Carolina	$78	$103	$155

Year Built	Home Value	Roof Type	Sqft	Number of Bedrooms	Deductible	Premium	Premium Months	Siding Type	Smoker/Non Smoker
2005	385,000	Metal Roof	3,340	4	$500- $1000 Deductible	180	1	Stucco siding	yes
1983	255,000	Slate Shingles Roof	2,440	5	> $10,000 Deductible	140	3	Stucco siding	No
1983	110,000	Tile Roof	1,150	2	$500- $1000 Deductible	30	1	Brick siding	yes
1982	125,000	Shingles Roof	1,240	2	$500 Deductible	40	1	Brick siding	yes
1974	240,000	Asphalt Shingles Roof	2,180	4	$500- $1000 Deductible	380	4	Stone Siding	No
1991	135,000	Composition Roof	1,220	3	$1000-$2500 Deductible	240	6	Brick siding	yes
2003	305,000	Shingles Roof	2,750	4	$500 Deductible	1120	6	Fiber-Cement Siding	yes
1984	195,000	Composition Roof	908	1	$500 Deductible	500	9	Wood siding	yes