Durham Insurance Rates:

Durham, NC homeowners insurance is about $516 to $698, about $43-$58/month. Our in depth guide shows customers can save upto $242 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
After thorough internet research and product comparison, i found that state farm has the most reasonable rates compared to other companies.
State Farm
This insurance provider creates a problem, when we buy the insurance second time, it would increase the cost.
Erie Insurance
On the other hand, the rates for home coverage and car coverage when bundled are very reasonable and allow me to balance my other bills as i am not overcharged with coverage.
Liberty Mutual
I do not like or dislike the company's customer service as I have no need to call the company for a technical issue.
State Farm
I dislike that the same company charges me more than I want them to for car insurance. I dislike that they don't offer me quotes from other companies. I dislike that I'm not sure that I couldn't be paying less for the same coverage.
Travelers
Overall they are accessible, friendly, professional, timely, and affordable. We have been very happy that we chose them and will continue to use them for the future.
State Farm
I really like that state farm, it values me as a customer and I'm not just a number to them. They are all so friendly and caring to their customers/
North Carolina Farm Bureau
They are always there. This is a small town and my agent is always available and knows me by name. If, in the rare instance that I need assistance and my agent is unavailable, another agent can step in and help me with missing a beat and treat me good as gold.

Durham, NC Homeowners Insurance By Home Value

Durham, NC Home Value Total Homes % of Total Average Durham, NC Homeowners Insurance
Less than $50,000 1,173 2.0% $78
$60,000 to $69,999 630 1.0% $218
$70,000 to $79,999 839 1.0% $248
$80,000 to $89,999 1,098 2.0% $285
$90,000 to $99,999 1,216 2.0% $315
$100,000 to $124,999 4,755 10.0% $370
$125,000 to $149,999 5,959 13.0% $461
$150,000 to $174,999 7,122 15.0% $546
$175,000 to $199,999 4,769 10.0% $631
$200,000 to $249,999 7,556 16.0% $758
$250,000 to $299,999 4,571 10.0% $928
$300,000 to $399,999 4,572 10.0% $1177

Top Home Insurance Agents Near Durham, NC

Home Insurance Company Near Durham, NC Homeowners Insurance Agency Near Durham, NC Address
NA Insurance Unlimited/Unlimited Benefits, Inc. 310 E Johnston St, Smithfield, NC, 27577
NA Citizen's Insurance Agency Of Greensboro 1025 E Wendover Ave, Greensboro, NC, 27405
Liberty Mutual Steve Breagy 3120 Highwoods Blvd Ste 310, Raleigh, NC, 27604
Travelers Surevest Insurance Group 1033 Oberlin Rd Ste 210, Raleigh, NC, 27605
Erie The Young Group Of Fuquay 411 N Judd Parkway Ne Ste A, Fuquay-Varina, NC, 27526

Cost Of Homeowners Insurance By Street Near Durham, NC

Streets in Durham Area Homeowners Insurance Cost
N Adams St, Alexander Ave, Quebec Dr, Big Horn Dr, Morning View Ct, Mainline Sta, Azalea Dr, Orion Cir, Basil Dr, Glenrose Dr$595
Flanders Dr, State Rd 2012, Galena Ct, Gunter St, Santee Rd, Mockingbird Ln, Newland Pl, State Rd 1613, Bellmeade Bay Dr, Drew St$600
Bexley Ave, Devon Rd, N Woodcrest St, Alleghany St, Curtis St, Sawmill Ln, Pony Ct, Moorgate Ln, Vermillion Dr, Gatehouse Ln$626
Newgate Ct, Oakside Ct, McKinley St, W Trinity Ave, Burbank Cir, Thorncroft Pl, Woodhall Ln, Bern St, W Trinity Ave, Dupree St$579
Omer Ln, Scottybrook Ct, Margaret Ave, E Acker Ave, Westchester Rd, Plummer Pl, State Rd 1611, Gilmore Ave, Wateree Dr, Shelly Pl$591
Belgrave Pl, Obie Dr, Patterson's Mill Rd, Kent St, S Gregson St, Stirrup Ln, Gandhi Dr, Paces Ferry Ct, Lorain Ave, Bailey St$634
State Rd 1905, E Hammond St, Clarion Bridge Way, E Peabody St, Debra Dr, Little Creek Rd, Belk St, Northcliff Dr, Marywood Dr, Huxey Glenn Ct$611
Flagstone Way, Hamlin Rd, Timbercreek Ct, Colony Rd, W Hills Dr, Elcombe Ct, Rembert Ct, Brixton Ln, McNeil Ln, W Bridlewood Trl$603
Norwich Way, Rosehill Ave, Monmouth Ave, Canadian Ct, Campus Dr, Okeefe Ct, State Rd 1809, Belmont Dr, Jeffries Rd, Gallop Ln$588
Overby Dr, Berry Bush Ln, Littlewood Ln, Magnolia Oak Pl, Georgia Ave, Preakness Dr, Tipperary Ct, S Duke St, Gwendolyn Cir, Thistlecone Way$622

Durham, NC Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Durham$90 to $93
Durham County$91
Triangle$92
Oak Grove$89

Durham, 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
Durham County, North Carolina $76 $101 $151
Triangle township, Durham County, North Carolina $77 $103 $154
Oak Grove township, Durham County, North Carolina $75 $99 $149

Durham, 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
Durham, NC3.5%11.1%
Durham County3.5%11.17%
Triangle3.26%9.73%
Oak Grove3.66%12.88%

Durham Renters Insurance as a Percentage of Rent

Durham Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 1,154 2.0% $324
$200 to $299 1,180 2.0% $774
$300 to $499 2,212 4.0% $1224
$500 to $749 13,279 29.0% $1899
$750 to $999 14,954 32.0% $2649
$1,000 to $1,499 10,426 22.0% $3774
$1,500 or more 2,405 5.0% $5424

Durham, NC Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,700$3,700
Yearly Durham Homeowner Insurance Premium Example $1,500$1,100
Out of Pocket Expense During Claim$1,700$3,700
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $12,200$11,400
Net Savings to Durham Home Owner from High Deductible Plan $800

Durham, NC Home Insurance Costs With Home Replacement Value Scenarios

Scenario Durham, NC Home Replacement Value MORE than Home Value Durham, NC Home Replacement Value LESS than Home Value
Replacement Value $91,000 $52,000
Insurance Premium based on Replacement Value $425 $250
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $22,500 Risk Exposure from Under Insuring Coverage is $16,500
Premium Impact Insurance cheaper by $75/year Insurance costlier by $100/year

Example Durham Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualAllstateState Farm
Monthly Premium 857749
Year Built 199420071975
Home Details 5 Beds, 1 Baths3 Beds, 1 Baths2 Beds, 1 Baths
Coverage Amount $250000-$300000$150000-$175000$125000-$150000
Deductible $1000-$2500 Deductible$500 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1985 125,000 Metal Roof 1,250 2 $1000-$2500 Deductible 460 12 Fiber-Cement Siding yes
2002 130,000 Wood Shake Roof 1,100 2 $2500-$5000 Deductible 360 12 Wood siding yes
1972 175,000 Metal Roof 1,390 2 $2500-$5000 Deductible 440 10 Wood siding yes
1971 300,000 Slate Shingles Roof 2,520 5 $2500-$5000 Deductible 710 8 Wood siding yes
1974 130,000 Composition Roof 1,490 2 $2500-$5000 Deductible 170 5 Fiber-Cement Siding No
2013 185,000 Slate Shingles Roof 1,920 4 $2500-$5000 Deductible 710 12 Brick siding No
2000 185,000 Asphalt Shingles Roof 2,100 3 $500 Deductible 1340 12 Fiber-Cement Siding No
1984 235,000 Shingles Roof 1,930 3 $500- $1000 Deductible 150 2 Vinyl siding yes
1980 200,000 Asphalt Shingles Roof 1,750 2 $1000-$2500 Deductible 690 8 Wood siding yes
1996 145,000 Composition Roof 1,720 2 $500- $1000 Deductible 500 8 Stone Siding No
2013 150,000 Asphalt Shingles Roof 1,790 4 $5000 to $10,000 Deductible 60 2 Stucco siding No
2010 495,000 Slate Shingles Roof 4,520 5 $2500-$5000 Deductible 1150 6 Fiber-Cement Siding No
1998 365,000 Tile Roof 4,050 5 $1000-$2500 Deductible 130 1 Fiber-Cement Siding yes
2006 110,000 Wood Shake Roof 1,061 2 $5000 to $10,000 Deductible 690 8 Fiber-Cement Siding No