How Much Does Charlotte, NC Home Insurance Cost?
Charlotte, NC Average Homeowners Insurance Cost
$986
Homeowners Insurance Cost - Charlotte, NC
$187,300
Median Home Value - Charlotte, NC
Charlotte, NC Homeowners Insurance Cost Based on Deductible
| Deductible | Home Insurance Cost Discount | Homeowners Insurance Cost |
|---|---|---|
| $500 Deductible | -$11.83 | $974.17 |
| $1000 Deductible | -$104.71 | $881.29 |
| $1500 Deductible | -$156.38 | $829.62 |
| $2000 Deductible | -$232.89 | $753.11 |
| $2500 Deductible | -$278.05 | $707.95 |
Charlotte, NC Homeowners Insurance Cost by on Age of Home
| Age of Home | Home Insurance Cost Discount/Excess | Home Insurance Cost |
|---|---|---|
| Newly Constructed Home | -$256 | $730 |
| 30 year old | +$15 | $1,001 |
| 40 year old | +$26 | $1,012 |
| 50 year old | +$37 | $1,023 |
| Above 50 year old | +$47 | $1,033 |
Charlotte, NC Homeowners Insurance Cost Based on Construction Type of Home
| Construction Type | Home Insurance Cost Savings | Home Insurance Cost |
|---|---|---|
| Fire Resistive | -$138 | $848 |
| Superior | -$89 | $897 |
| Masonry | -$49 | $937 |
| Brick | -$49 | $937 |
| Hail Resistant Roof | -$20 | $966 |
Charlotte, NC Homeowners Insurance Cost for Homes with Swimming Pools
| Type | Homeowners Insurance Cost Increase | Homeowners Insurance Cost |
|---|---|---|
| Owning A Swimming Pool | +$20 | $1,006 |
| Swimming Pool With A Diving Board | +$49 | $1,035 |
| Swimming Pool With Slide | +$59 | $1,045 |
Charlotte, NC Homeowners Insurance Discounts for Homes Near Public Safety Departments
| Type | Homeowners Insurance Cost Savings | Homeowners Insurance Cost |
|---|---|---|
| Fire Station | $30 | $956 |
| Police Department | $10 | $976 |
Charlotte, NC Homeowners Insurance Percentage Increase Based on Claims Filed
| Type of Claim | Homeowners Insurance Cost Increase | Homeowners Insurance Cost |
|---|---|---|
| Filing a Second Fire Claim | +$414.12 | $1,400 |
| Filing a Second Liability Claim | +$374.68 | $1,361 |
| Filing a Second Theft Claim | +$374.68 | $1,361 |
| Filing a Second Water Claim | +$325.38 | $1,311 |
| Filing a Fire Claim | +$197.2 | $1,183 |
| Filing a Liability Claim | +$187.34 | $1,173 |
| Filing a Theft Claim | +$187.34 | $1,173 |
| Filing a Water Claim | +$157.76 | $1,144 |
| Filing a Weather Claim | +$157.76 | $1,144 |