Charlotte, NC Home Insurance - Analysis On Quotes, Rates & Agents
Charlotte, NC Insurance Rates:
The average cost of home insurance in Charlotte, NC is $986. vHome analyzed multiple home insurance quotes in Charlotte, NC to narrow down the list of the cheapest insurance companies in Charlotte, NC. vHome stresses the importance of comparing quotes from multiple companies to narrow down the best one that suits the consumer’s needs. Enter your Zip Code in the below banner to get instant home insurance quotes.
Charlotte, NC homeowners will find various factors that will have an impact on your home insurance premium. Understanding these factors could help homeowners drastically lower their home insurance premiums. A careful comparison between different quotes and values to suit the homeowner’s needs can be done with the data below.
- Top Home Insurance Companies in Charlotte, NC
- Charlotte, NC Homeowners Insurance for Different Coverages
- Visual Guide for Charlotte, NC Home Insurance Buyers on Insurance Companies and Rates
- Charlotte, NC Homeowners Insurance Rate Based on Claims Filed
- Charlotte, NC Homeowners Insurance by Zip Code
- Charlotte, NC Home Insurance Premium Based on the Number of Bedrooms
- Charlotte, NC Home Insurance Premiums for Different Deductibles
- Charlotte, NC Homeowners Insurance Premium Based on the Age of the Home
- Charlotte, NC Homeowners Insurance Cost Based on Construction Type of Home
- Saving Tips on Charlotte, NC Homeowners Insurance
- Charlotte, NC Home Insurance Discounts for Home Safety Devices in Home
- Customer Reviews for Home Insurance Companies in Charlotte, NC
Average Home Insurance Premium in Charlotte, NC
| National Average Premium | State Average Premium | Charlotte Average Premium |
|---|---|---|
| $1,438 | $894 | $986 |
Top Home Insurance Companies in Charlotte, NC | Back to Top
vHome Insurance has compiled a list of home insurance companies providing the best home insurance rates. The companies are as follows.
| Company Name | Coverage $70,000 | Coverage $150,000 | Coverage $200,000 | Coverage $350,000 |
|---|---|---|---|---|
| State Farm | $670 | $804 | $1,045 | $1,442 |
| North Carolina Farm Bureau | $1,374 | $1,649 | $2,143 | $2,958 |
| Erie Insurance | $1,244 | $1,493 | $1,941 | $2,679 |
| Nationwide | $1,933 | $2,320 | $3,016 | $4,161 |
Charlotte, NC Homeowners Insurance for Different Coverages | Back to Top
| Coverage Type | Home Insurance Cost($) |
|---|---|
| $100,000 To $124,999 | 553.3 |
| $150,000 To $174,999 | 692.02 |
| $175,000 To $199,999 | 901.58 |
| $200,000 To $249,999 | 1,072.49 |
| $250,000 To $299,999 | 1,578.48 |
| $300,000 To $399,999 | 2,037.64 |
| $400,000 To $499,999 | 2,676.46 |
| $500,000 To $749,999 | 3,425.86 |
| $750,000 To $999,999 | 3,961.15 |
| $1000,000 To $1499,999 | 4,362.62 |
| $1500,000 To $2000,000 | 4,683.8 |
Visual Guide for Charlotte, NC Home Insurance Buyers on Insurance Companies and Rates
Top Home Insurance Agents Near Charlotte, NC | Back to Top
| 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 |
List of Charlotte, NC Home Insurance Agents by Companies
Charlotte, NC Homeowners Insurance Rates Based on Claims Filed | Back to Top
Homeowners in Charlotte, NC with no claims filed get a discount of $128.18, whereas homeowners with one claim have to file an additional home insurance rate of $89 while homeowners with 2 claims have to pay an additional $138 for their home insurance premium.
| Type of Claim | Homeowners Insurance Cost Increase/Decrease($) | Homeowners Insurance Cost($) |
|---|---|---|
| No Claim Discount | -128 | 858 |
| One Claim | +89 | 1,075 |
| Two Claim | +138 | 1,124 |
Charlotte, NC Homeowners Insurance by Zip Code | Back to Top
| Zip Code | Median Home Value($) | Home Insurance Cost($) |
|---|---|---|
| 28208 | 88,300 | 956 |
| 28206 | 88,100 | 998 |
| 28207 | 763,900 | 932 |
| 28203 | 371,400 | 1,000 |
| 28211 | 360,900 | 998 |
| 28204 | 310,900 | 956 |
| 28226 | 284,700 | 956 |
| 28270 | 283,400 | 937 |
| 28277 | 282,000 | 1,000 |
| 28209 | 275,400 | 1,000 |
| 28202 | 269,300 | 1,000 |
| 28210 | 248,400 | 1,000 |
| 28278 | 200,600 | 917 |
| 28269 | 165,200 | 1,000 |
| 28205 | 161,600 | 947 |
| 28273 | 152,800 | 937 |
| 28227 | 152,400 | 1,000 |
| 28262 | 151,200 | 927 |
| 28213 | 139,500 | 917 |
| 28215 | 131,800 | 998 |
| 28214 | 131,100 | 999 |
| 28216 | 127,000 | 917 |
| 28212 | 119,600 | 937 |
| 28217 | 111,200 | 932 |
Factors Affecting Home Insurance Premiums in Charlotte, NC
The average cost of homeowners insurance in Charlotte, NC is $986. Various factors could help homeowners lower their home insurance premiums. vHome Insurance lists the factors that could help homeowners reduce their home insurance costs.
Charlotte, NC Home Insurance Premium Based on the Number of Bedrooms | Back to Top
| Bedroom Size | Average Homeowners Insurance Cost($) |
|---|---|
| 2 Bedroom | 792 |
| 3 Bedroom | 848 |
| 4 Bedroom | 1,301 |
| 5 Bedroom | 2,545 |
Charlotte, NC Home Insurance Premiums for Different Deductibles | Back to Top
Homeowners with a deductible of $500 pay a much higher amount on their home insurance premium, while homeowners who pay a deductible of $2500 pay a much lower amount on their home insurance premium as seen in the table below.
| Deductible Type | Average Homeowners Insurance Cost($) |
|---|---|
| $500 Deductible | 974 |
| $1000 Deductible | 881 |
| $1500 Deductible | 830 |
| $2000 Deductible | 753 |
| $2500 Deductible | 708 |
Charlotte, NC Homeowners Insurance Premium Based on the Age of the Home | Back to Top
Homeowners in Charlotte, NC pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.
| Home Age | Homeowners Insurance Cost($) |
|---|---|
| Newly Constructed Home | 730 |
| Year 30 Old | 1,001 |
| Year 40 Old | 1,012 |
| Year 50 Old | 1,023 |
| Above Year 50 | 1,033 |
Charlotte, NC Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top
| Construction Type | Home Insurance Cost Savings($) | Home Insurance Cost($) |
|---|---|---|
| Fire Resistive | 138 | 848 |
| Masonry | 49 | 937 |
| Brick | 49 | 937 |
| Superior | 89 | 897 |
| Hail Resistant Roof | 20 | 966 |
Top Saving Tips on Charlotte, NC Homeowners Insurance | Back to Top
Homes built using sturdy materials, which are highly resistant to damage, receive substantial discounts on homeowners’ insurance. Charlotte, NC homeowners can also bundle their home insurance policy with auto insurance to receive more discounts. Apart from this, home insurance companies tend to provide discounts to homes equipped with security features that make them less prone to burglaries. Senior citizens residing in households earn a considerable amount of discounts on homeowners insurance.
The tables below contain the complete list of discounts that Charlotte, NC homeowners can take advantage of to increase their savings.
Charlotte, NC Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts
| Discount Type | Home Insurance Cost Savings($) | Home Insurance Cost($) |
|---|---|---|
| Bundle Discount | 158 | 828 |
| Retiree Discount (Senior Citizen Discount) | 138 | 1,124 |
| Newly Constructed Home | 256 | 730 |
Charlotte, NC Home Insurance Discounts for Home Safety Devices | Back to Top
| Home Safety Devices | Home Insurance Cost Savings($) | Home Insurance Cost($) |
|---|---|---|
| Deadbolts | 118 | 868 |
| Fire Extinguishers | 79 | 907 |
| Smoke Detectors | 79 | 907 |
| Sprinkler System | 128 | 858 |
| Fire Alarm | 49 | 937 |
| Burglar Alarm | 89 | 897 |
| Lightning Protection | 20 | 966 |
Latest Home Insurance Reviews
GeicoI would definitely recommend GEICO to my friends and family. I have actually in the past on multiple occasions recommended GEICO to people who have mentioned they were shopping around for an insurance company.
State FarmI would recommend this company. I have had no reasons to change companies or to be dissatisfied with their service.
Erie InsuranceSometimes erie insurance charges too high of a premium for their services, and sometimes i feel that claims are too difficult to submit.
AllstateI would recommend because they have very good rate, I don't because their work is not good.
ProgressiveI would recommend Progressive insurance company to other because they have outstanding customer service, their bundle package and because it a great company that will give you what you need at a great price.
The HartfordI have been with the Hartford car and Home insurance for more than 10 years and very satisfied. They really took good care of me when I filed a claim on my home.I have had no problems with The Hartford Insurance.
AllstateThe packages are encouraging and i can recommend it to someone in need of it. The home insurance are well to do and its not expensive, which makes it comfortable to subscribe to.
Progressiveit was good, they are always helpful and courteous. they are also easy to contact which is great. would definitely recommend.
Universal Property & Casualty Insurance CompanyMy policy is fairly standard to other insurers. I am satisfied with the coverages and premiums.
ProgressiveI would recommend progressive insurance to my friends and family because they have always taken care of us. Our home insurance gives us peace of mind.
Liberty MutualThey are responsive to my needs and assist me helpfully and nicely when I call with any questions or concerns on my current plan.
GeicoI think Geico overall has decent customer service it is easy to get in touch with people. I do get put on hold for long periods of time when I call.
Allstatethey provide a decent service on insurance and they respond in proper manner, whenever i need a claim support they quickly respond and helped me to get the claim.
Travelersi got the best experience with my home insurance is cool, and i love it. there policies are friendly to adopt from from all the states.all should try it
GeicoI have been with Geico for the past 6 years and enjoy the coverage they provide and would completely recommend this insurance company to anyone and everyone.
Liberty MutualThey make it very difficult to figure out exactly what you're paying for each aspect of the insurance.
Copeland GroupI like copeland group because i personally know many of the people who work there and know that they conduct business fairly and accurately.
State FarmThe office is near to my home with an agent who knows me personally and helps me right away with whatever I need.
North Carolina Farm BureauIf we were to encounter a true emergency on a weekend or beyond usual business hours, we might have to wait for over two and a half days to get in touch with our agent.
GeicoGeico's premium is one of the lowest out there, The coverage is better than most, I get more bang for my buck with them
Farmer's InsuranceThe Farmers Insurance website is functional and easy to navigate. I can always find the information I need without spending much time looking for it.
Liberty MutualThe company is friendly, helpful, and their rates are good. I don't have any complaints. The response time to claims or phone calls in my experience has been better than any home insurance company I had before.
New Jersey Skylands InsuranceNo complaints, every year prior to renewal they send me a package with details of my coverage and a questionnaire to answer to see if I want to change my coverage. I find this helpful.
Erie InsuranceI like the company's website. I like that I am able to pay my premiums on the website. I like the useful articles.
State FarmI think that it is easily navigated. It is easy to find my link to pay my bills online. Though it is hard to look at my policies easily to make sure that we are currently where we would like to stand with our coverage.
ProgressiveNow, the premiums have gone up and they are less likely to provide a competitive value for personal property replacement. The customer service is not always in the United States. The customer service is slow. The coverage has been decreased.
AllstateThe customer service dept. is easy to reach and I find them to be very knowledgeable and helpful to deal with
GeicoI enjoy that I can access my account online. I make payments online and I can adjust all my coverage online without having to talk to someone.
Liberty Mutuali like the customer service response and how fast they are in solving issues or problems I encounter and makes me feel at home with them
AllstateI like that customer service is always nice. I appreciate that my local office is extremely nice as well, they are what is keeping my business.
State FarmBased solely on how State Farm took care of us and quickly worked to get us money to replace my wife's bike, I'd highly recommend them.
State FarmThe customer service has been very good, when you call you get an person to help you quickly and they have always been nice and polite. They always have solved my problems and they cost about as much as any place else.
GeicoI would recommend Geico to anyone shopping for a home owner's insurance because of their rates. They have some of the best rates in the industry and comer service is great. If you have a claim, they are very quick to resolve it and they seem to take it very seriously.
AllstateI RECOMMEND MY HOME INSURANCE COMPANY BECAUSE IN THIS COMPANY MANY STAFFS COOPERATIVE TO THEIR CUSTOMERS AND ALSO I RECOMMEND MY COMPANY TO MY FAMILY AND FRIENDS.
AllstateAlthough this company has many things which I wished they would change. they are inexpensive and attempt to do their best. The salespeople they have are not the best but other than that I enjoy the service.
AllstateWe are pretty satisfied with our coverage policy. I think the policy is pretty straight forward and easy to read. We feel safe that our home is protected.
ProgressiveI like the kind overall, they have been very helpful and after the long period of time, my insurance has become much cheaper than when I originally bought it. I think customer service is fantastic and easy to contact.
State FarmHas done everything we could want an insurance company to do. Haven't had to use it much over the many years but know it will be a great experience if we do.