Elizabeth City Insurance Rates:

Elizabeth City, NC homeowners insurance is about $505 to $690, about $42-$57/month. Our detailed analysis shows customers can save as much as $238 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Encompass Insurance
The insurance agent is easily accessible, readily available to answer questions at most hours of the day/evening and he is the one consistent person i talk to about my account.
Safeco Insurance
I changed insurance from state farm to safeco because our rates went down, our home and auto coverage went up and we were able to add an umbrella policy to our coverage. that made me feel positive about them.
Erie Insurance
You would think they would not short change a good customer, but they do. they are crooks in my opinion and the old opinion that they are good company is outdated. they need to treat long-term customers with little to no claims over the years well.
Erie Insurance
Erie is very prompt to address claims. Their customer service is compassionate, understanding and willing to explain existing coverage and how to file a claim. They are also very willing to advise on situations that may be better suited to paying out of pocket rather than filing a claim.
Erie Insurance
To be honest, I can't really think of anything I don't like about progressive as an insurance company. Probably the only thing I could say negative about them is that if you don't opt to get your documents electronically, they send way too many paper copies of things, which is a waste of trees.
Erie Insurance
I like the company website because it is easy to find what I need.
Geico
Where I have had ok interaction and not ok interactions it's a mix for me at this point. I am hoping with time things will get better and I will be happier in this regard.
Allstate
The only thing that I can comment about, as far as a dislike is concerned, is that I wish the annual premium was lower, but overall, no complaints here.

Elizabeth City, NC Homeowners Insurance By Home Value

Elizabeth City, NC Home Value Total Homes % of Total Average Elizabeth City, NC Homeowners Insurance
Less than $50,000 347 11.0% $95
$50,000 to $59,999 99 3.0% $208
$60,000 to $69,999 134 4.0% $256
$70,000 to $79,999 52 1.0% $298
$80,000 to $89,999 81 2.0% $334
$90,000 to $99,999 66 2.0% $376
$100,000 to $124,999 509 16.0% $435
$125,000 to $149,999 323 10.0% $543
$150,000 to $174,999 350 11.0% $644
$175,000 to $199,999 317 10.0% $746
$200,000 to $249,999 351 11.0% $895
$250,000 to $299,999 224 7.0% $1098
$300,000 to $399,999 237 7.0% $1391

Top Home Insurance Agents Near Elizabeth City, NC

Home Insurance Company Near Elizabeth City, NC Homeowners Insurance Agency Near Elizabeth City, NC Address
Nationwide Avery Insurance Agency Inc 5268 Fairfield Shopping Ctr, Virginia Beach, VA, 23464-4212
Farmers David Karda 6550 Hampton Roads Pkwy Ste 103-b, Suffolk, VA, 23435
Liberty Mutual Independent Jenkins-Brown Insurance Inc 212 E MAIN ST, MURFREESBORO, NC, 27855
Allstate Michael Sandidge 1577 Wilroy Rd Ste 102, Suffolk, VA, 23434
Nationwide The Braun Agency Inc 6062 Indian River Rd STE 101, Virginia Beach, VA, 23464-0000

Cost Of Homeowners Insurance By Street Near Elizabeth City, NC

Streets in Elizabeth City Area Homeowners Insurance Cost
E Elizabeth St, Delia Dr, Owens Dr, Fairway Ter, Mill St, Impact Blvd, Providence Rd, Joanna Dr, Kristin St, Alton St$610
State Rd 1135, Peartree Rd, Hackney Ct, Westover St, Hickory Dr, W Ward St, State Rd 1404, Tideland Dr, Commissary Rd, Pine View Dr$610
Brock Ridge Run, Dawson St, Southern Ave, Spoonbill Loop, Rachel Dr, State Rd 1144, Rochelle Dr, Factory St, Christie Cir, S Water St$606
Bluebird Rd, State Rd 1332, S Cobb St, State Rd 1147, State Rd 1307, State Rd 1155, Spruce St, Stephanie St, Ridgefield Dr, Prince William Dr$609
Shirley St, Maplewood Dr, Tanglewood Dr, Cosmo Dr, State Rd 1133, State Rd 1392, Morrisette Ave, W Ehringhaus St, Roscoe Dr, Sutton Dr$604

Elizabeth City, NC Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Elizabeth City$88 to $90
Pasquotank County$90
Nixonton$92
Mount Hermon$91

Elizabeth City, 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
Pasquotank County, North Carolina $76 $101 $151
Nixonton township, Pasquotank County, North Carolina $77 $103 $154
Camden CDP, North Carolina $77 $103 $154

Elizabeth City, 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
Elizabeth City, NC3.4%8.9%
Pasquotank County3.38%10.31%
Nixonton3.11%10.46%
Camden3.7%21.84%

Elizabeth City Renters Insurance as a Percentage of Rent

Elizabeth City Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 46 1.0% $327
$200 to $299 177 4.0% $777
$300 to $499 403 11.0% $1227
$500 to $749 942 26.0% $1902
$750 to $999 953 26.0% $2652
$1,000 to $1,499 918 25.0% $3777
$1,500 or more 119 3.0% $5427

Elizabeth City, NC Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,800$2,800
Yearly Elizabeth City Homeowner Insurance Premium Example $600$400
Out of Pocket Expense During Claim$1,800$2,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,600$6,000
Net Savings to Elizabeth City Home Owner from High Deductible Plan $600

Elizabeth City, NC Home Insurance Costs With Home Replacement Value Scenarios

Scenario Elizabeth City, NC Home Replacement Value MORE than Home Value Elizabeth City, NC Home Replacement Value LESS than Home Value
Replacement Value $203,000 $148,000
Insurance Premium based on Replacement Value $925 $675
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $35,000 Risk Exposure from Under Insuring Coverage is $20,000
Premium Impact Insurance cheaper by $75/year Insurance costlier by $175/year

Example Elizabeth City Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyFarmers InsuranceGEICO Insurance
Monthly Premium 5351103
Year Built 194719711951
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths4 Beds, 1 Baths
Coverage Amount $150000-$175000$150000-$175000$250000-$300000
Deductible $2500-$5000 Deductible$1000-$2500 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2013 170,000 Composition Roof 1,940 3 $2500-$5000 Deductible 440 8 Stucco siding No
1945 130,000 Shingles Roof 1,300 3 $500- $1000 Deductible 630 10 Stone Siding No
1986 210,000 Metal Roof 1,990 4 $500- $1000 Deductible 360 4 Vinyl siding No
2003 285,000 Shingles Roof 3,310 4 $500- $1000 Deductible 610 6 Stone Siding yes
1964 185,000 Asphalt Shingles Roof 1,880 3 $5000 to $10,000 Deductible 290 6 Stucco siding yes
2009 120,000 Membrane Roof 1,340 3 $2500-$5000 Deductible 360 9 Vinyl siding yes
1953 140,000 Slate Shingles Roof 1,800 3 $500 Deductible 330 5 Stucco siding yes
1960 270,000 Metal Roof 2,700 4 $1000-$2500 Deductible 1280 10 Fiber-Cement Siding No
1986 250,000 Slate Shingles Roof 3,270 4 > $10,000 Deductible 100 2 Wood siding No
1959 195,000 Membrane Roof 2,270 3 $500 Deductible 740 12 Stucco siding yes
1952 250,000 Tile Roof 3,370 4 $1000-$2500 Deductible 940 10 Vinyl siding No
1945 165,000 Membrane Roof 2,250 4 $500 Deductible 630 8 Brick siding No
1978 175,000 Wood Shake Roof 1,650 4 $500 Deductible 560 6 Stone Siding yes
1979 360,000 Membrane Roof 3,320 4 $2500-$5000 Deductible 400 3 Stucco siding No
1974 275,000 Wood Shake Roof 2,930 4 $500- $1000 Deductible 1210 10 Fiber-Cement Siding yes
1968 135,000 Tile Roof 1,270 3 $2500-$5000 Deductible 90 2 Vinyl siding yes
1973 135,000 Wood Shake Roof 1,280 3 $2500-$5000 Deductible 530 9 Brick siding No
2010 190,000 Wood Shake Roof 2,260 4 $2500-$5000 Deductible 90 2 Stucco siding yes
1962 200,000 Wood Shake Roof 1,900 4 $2500-$5000 Deductible 490 8 Brick siding yes
2012 155,000 Shingles Roof 1,750 3 $2500-$5000 Deductible 700 10 Fiber-Cement Siding No
1968 205,000 Composition Roof 2,210 4 $1000-$2500 Deductible 210 3 Stone Siding No
1975 190,000 Composition Roof 1,990 4 $1000-$2500 Deductible 220 4 Wood siding yes