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Charlotte, NC Home Values & Insurance Rates

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

Top Home Insurance Agents Near Charlotte, NC

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

Estimated Home Insurance By Street Area Near Charlotte, NC

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

Savings on home insurance for senior occupied homes

PlaceSavings
Charlotte$90 to $92
Mecklenburg County$91
Pineville$90
Matthews$93

Charlotte, NC 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
Charlotte, NC3.5%11.0%
Mecklenburg County3.41%11.2%
Pineville3.91%11.47%
Matthews3.34%11.46%

Charlotte Renters Insurance as a Percentage of Rent

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

Charlotte, NC Home Insurance by Zip Code

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

Charlotte, NC Home Insurance Costs With Deductible Scenario

Low DeductibleHigh 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

Charlotte, NC Home Insurance Costs With Home Replacement Value Scenarios

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

Example Charlotte Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceFarmers InsuranceGEICO Insurance
Monthly Premium 15312151
Year Built 201120081972
Home Details 4 Beds, 1 Baths5 Beds, 2 Baths2 Beds, 1 Baths
Coverage Amount $350000-$400000$400000-$500000$125000-$150000
Deductible $500 Deductible$2500-$5000 Deductible$500 Deductible

Charlotte, NC Auto & Home Insurance Bundling Discounts

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

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

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