Garner Insurance Rates:

Garner, NC homeowners insurance is about $512 to $695, about $42-$57/month. Our extensive research indicates shoppers can save as much as $241 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

North Carolina Farm Bureau
It seems as if I covered this in my previous responses but I will attempt to expand. I like the people that work there. I like the convenient location. I like the quick payment.
State Farm
I don't know what other companies are charging recently but when we took out the policy the price was better than any offered by the other companies we checked. We checked with Allstate, Hartford, Prudential, and a few others. None offered a better price.
State Farm
I had difficulty getting someone to talk back to me about my claims. They paid for everything and paid promptly but talking to my adjuster did not occur often enough.
Prudential
There is nothing bad that I have to say about this company
Travelers
This company covered a roof replacement which was needed after a nasty hail storm several years ago, but then they tried to be cheap with the replacement. they finally covered for a great replacement.
Allstate
Their prompt response towards any situation is rewarding, and i am very content with it, so far have no complaints.
State Farm
Some of the stuff that goes along with being insured by a huge corporate giant is annoying. this usually takes the form of email and paper mail advertisements and solicitations to try new products. i am sure all insurance agencies do this, but it seems mine does it quite frequently.

Garner, NC Homeowners Insurance By Home Value

Garner, NC Home Value Total Homes % of Total Average Garner, NC Homeowners Insurance
Less than $50,000 84 1.0% $84
$60,000 to $69,999 159 2.0% $229
$80,000 to $89,999 172 2.0% $301
$90,000 to $99,999 157 2.0% $337
$100,000 to $124,999 692 10.0% $391
$125,000 to $149,999 1,280 19.0% $488
$150,000 to $174,999 1,227 18.0% $578
$175,000 to $199,999 732 10.0% $669
$200,000 to $249,999 976 14.0% $801
$250,000 to $299,999 813 12.0% $982
$300,000 to $399,999 398 5.0% $1248

Top Home Insurance Agents Near Garner, NC

Home Insurance Company Near Garner, NC Homeowners Insurance Agency Near Garner, NC Address
Nationwide Walker Ins Group Inc 210 N Bright Leaf Blvd STE A, Smithfield, NC, 27577-4670
NA Old North State Ins Services 103 North Chatham Ave , Siler City, NC, 27344
NA Burnette Insurance Group 306 East Nash St, Louisburg, NC, 27549
Allstate Amy Brewer 843 Wake Forest Business Park, Wake Forest, NC, 27587
Nationwide Terry E. Nobles 2115 NC Hwy 42 East, Willow Spring, NC, 27592

Cost Of Homeowners Insurance By Street Near Garner, NC

Streets in Garner Area Homeowners Insurance Cost
Clifton St, Maxwell Dr, Lanercost Ct, Caminetto Ct, Harvey Johnson Rd, Sunswept Cir, Ballot Rd, Kelly St, Riderwood Ct, Golden Nugget Dr$617
Yeargan Rd, Farm Rd, Flanders St, Hazelnut Dr, Sheraton Ln, Golden St, McKnitt Pl, Griffin St, Twain Dr, Bayberry Ln$605
Bellaris Ct, Brookstone Ct, Havenview Ct, Jays Bridge Dr, Basswood Cir, Ranburne Dr, Barefoot St, Phillip St, Old Ponderosa Cir, Fashion Ln$602
State Rd 2804, Villa St, Annotto Bay Ln, Belmore Cir, Westcroft Dr, New Rand Rd, Stancil Farm Rd, Midd Park Loop, Kon Tiki Ct, Old Cascade Dr$595
Wininger Dr, Harmont Dr, Parkland Rd, Jones Sausage Rd, Southerlund Rd, Golden Ave, Rolling Field Dr, Sanderford Rd, Perricrest Ct, Barnhill Dr$599
Walnut Dr, Midland St, James Land Dr, Brookwood Dr, Verde Dr, Waterfield Dr, Dynamic Dr, Fawncrest Dr, Bobbitt Dr, Europe Dr$595
Arbor Greene Dr, Laurob Ln, Thomas Dr, Randell St, Burntwood Cir, Formal Garden Way, Norfolk Ave, Longbay St, Colony Dr, Louise Ln$598
Gilliam Ln, Candyflower Pl, Branch St, State Rd 2558, Lady Yvonne Way, Picnic Pl, Old Baucom Rd, Gardenia Ct, Lorraine Dr, State Rd 2710$590
Owens Ln, State Rd 2712, Offshore Dr, Windrow Ln, Cossack Cir, Stronwood Ct, Nathans Landing Dr, Purvis St, Horse Farm Trl, Village Ct$611
State Rd 2553, State Rd 2605, S Spring Garden Cir, Manor Ridge Dr, Micah Ln, W Plantation Cir, Norene Ave, Poplar Ave, Southern Meadows Dr, Nivens Ct$605

Garner, NC Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Garner$90 to $92
St. Marys$89
Panther Branch$92
Swift Creek$96

Garner, 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
St. Marys township, Wake County, North Carolina $75 $99 $149
Panther Branch township, Wake County, North Carolina $77 $103 $154
Swift Creek township, Wake County, North Carolina $81 $107 $161

Garner, 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
Garner, NC3.5%12.4%
St. Marys3.73%13.11%
Panther Branch3.34%13.46%
Swift Creek3.0%10.31%

Garner Renters Insurance as a Percentage of Rent

Garner Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 56 1.0% $325
$300 to $499 43 1.0% $1225
$500 to $749 533 16.0% $1900
$750 to $999 1,379 42.0% $2650
$1,000 to $1,499 1,145 35.0% $3775
$1,500 or more 57 1.0% $5425

Garner, NC Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$2,600
Yearly Garner Homeowner Insurance Premium Example $1,900$1,400
Out of Pocket Expense During Claim$600$2,600
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $10,100$9,600
Net Savings to Garner Home Owner from High Deductible Plan $500

Garner, NC Home Insurance Costs With Home Replacement Value Scenarios

Scenario Garner, NC Home Replacement Value MORE than Home Value Garner, NC Home Replacement Value LESS than Home Value
Replacement Value $154,000 $99,000
Insurance Premium based on Replacement Value $900 $575
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $26,000 Risk Exposure from Under Insuring Coverage is $29,000
Premium Impact Insurance cheaper by $175/year Insurance costlier by $150/year

Example Garner Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceAllstateFarmers Insurance
Monthly Premium 10272106
Year Built 197319862010
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 2 Baths
Coverage Amount $250000-$300000$200000-$250000$400000-$500000
Deductible $1000-$2500 Deductible$2500-$5000 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1976 215,000 Metal Roof 1,990 3 > $10,000 Deductible 270 6 Brick siding No
1988 435,000 Slate Shingles Roof 4,510 5 $2500-$5000 Deductible 560 5 Vinyl siding yes
1986 150,000 Tile Roof 1,260 3 $500 Deductible 790 12 Fiber-Cement Siding No
1970 260,000 Composition Roof 2,890 5 $500- $1000 Deductible 100 1 Stucco siding No
1995 160,000 Asphalt Shingles Roof 1,860 5 $1000-$2500 Deductible 310 6 Stucco siding yes
1980 335,000 Wood Shake Roof 3,290 4 $1000-$2500 Deductible 250 2 Stucco siding yes
2009 205,000 Asphalt Shingles Roof 2,480 4 $2500-$5000 Deductible 710 12 Stucco siding No
1986 135,000 Slate Shingles Roof 1,310 3 $500 Deductible 340 7 Wood siding yes
1997 130,000 Composition Roof 1,600 5 $1000-$2500 Deductible 70 2 Vinyl siding No
1997 175,000 Metal Roof 1,540 3 $500- $1000 Deductible 340 8 Fiber-Cement Siding yes
1988 255,000 Shingles Roof 2,320 4 $500 Deductible 1580 12 Brick siding No
2008 185,000 Metal Roof 1,780 4 $500 Deductible 80 1 Stone Siding yes
1987 215,000 Asphalt Shingles Roof 2,100 3 $500 Deductible 200 2 Stucco siding yes
1991 465,000 Asphalt Shingles Roof 3,950 5 $500 Deductible 2100 10 Brick siding yes
2012 270,000 Wood Shake Roof 2,570 5 > $10,000 Deductible 110 2 Vinyl siding No
1973 400,000 Tile Roof 3,590 5 $2500-$5000 Deductible 810 9 Stucco siding No
2000 255,000 Tile Roof 3,040 4 $2500-$5000 Deductible 70 1 Stucco siding yes
2001 215,000 Shingles Roof 2,640 5 $5000 to $10,000 Deductible 70 1 Fiber-Cement Siding yes
1979 265,000 Tile Roof 2,300 5 $1000-$2500 Deductible 1010 9 Stucco siding yes
1978 270,000 Membrane Roof 3,390 5 $2500-$5000 Deductible 520 6 Stone Siding No
2001 210,000 Asphalt Shingles Roof 2,360 3 $5000 to $10,000 Deductible 360 7 Stucco siding No
1972 445,000 Tile Roof 3,980 5 > $10,000 Deductible 220 2 Vinyl siding No
1994 255,000 Asphalt Shingles Roof 3,180 4 $5000 to $10,000 Deductible 1060 12 Vinyl siding yes
2012 245,000 Membrane Roof 2,060 4 $1000-$2500 Deductible 790 9 Brick siding No
2010 180,000 Asphalt Shingles Roof 1,970 4 $5000 to $10,000 Deductible 150 3 Stucco siding No
1982 145,000 Shingles Roof 1,780 5 $500- $1000 Deductible 350 7 Brick siding No
2012 135,000 Shingles Roof 1,470 3 $500 Deductible 120 2 Brick siding yes
2013 390,000 Asphalt Shingles Roof 4,300 5 $500- $1000 Deductible 960 8 Brick siding yes