James City Insurance Rates:

James City, NC homeowners insurance is about $504 to $691, about $42-$57/month. Our in depth analysis reveals consumers 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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James City, NC Homeowners Insurance By Home Value

James City, NC Home Value Total Homes % of Total Average James City, NC Homeowners Insurance
Less than $50,000 183 11.0% $95
$70,000 to $79,999 70 4.0% $298
$80,000 to $89,999 94 6.0% $334
$90,000 to $99,999 24 1.0% $376
$100,000 to $124,999 188 12.0% $435
$125,000 to $149,999 313 20.0% $543
$150,000 to $174,999 177 11.0% $644
$175,000 to $199,999 99 6.0% $746
$200,000 to $249,999 201 13.0% $895
$250,000 to $299,999 75 4.0% $1092
$300,000 to $399,999 109 7.0% $1391

Top Home Insurance Agents Near James City, NC

Home Insurance Company Near James City, NC Homeowners Insurance Agency Near James City, NC Address
NA Wade S. Dunbar Agency Po Box 279, Oriental, NC, 28571
NA Reed & Reed Insurance Agency, Inc. 1222 Broad St New Bern, New Bern, NC, 28560
State Farm Donna Comer 288 US Hwy 70 West, Havelock, NC, 28532-9518
State Farm Jennifer Campbell 610 Old Tar Village Rd Ste B, Winterville, NC, 28590-7936
Nationwide Walker Ins Group Inc 1900 S Glenburnie Rd Suite E, New Bern, NC, 28562-5295

Cost Of Homeowners Insurance By Street Near James City, NC

Streets in James City Area Homeowners Insurance Cost
Appenzell Ln, Croatan Woods Dr, Towne Woods Dr, N Ridge Rd, Williamson Dr, Moss Bend, Neuse Dr, W Grantham Rd, Pasteur St, Zurich Pl$627
Wildflower Way, Monroe Dr, Haywood Farms Rd, Pine Needle Pl, Ticino Ct, Change St, Grooms Dr, Princess St, State Rd 1179, State Rd 1185$624
Green Ave, Lowell St, Armstrong Ave, State Rd 1288, Ford St, Marion Dr, Gables Rd, River Rd, Viridian Trce, State Rd 1112$629
Bear Trl, Denim Ct, Greenleaf Cemetary Rd, Arbon Ct, Tesie Trl, Perrytown Loop Rd, Scott St, Neuchatel Rd, Walt Bellamy Dr, Eagle Trl$625
Camelot Dr, Mitchell Cir, Hartford Ave, Emerson St, State Rd 1153, Thatcher Rd, E Thurman Rd, John Patt Rd, State Rd 1004, Bayberry Park Dr$627

James City, NC Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
James City$88 to $90
Fairfield Harbour$93
New Bern$89
Brices Creek$94

James 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
Fairfield Harbour CDP, North Carolina $78 $104 $156
New Bern city, North Carolina $75 $99 $149
Brices Creek CDP, North Carolina $79 $105 $157

James 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
James City, NC4%10.0%
Fairfield Harbour3.95%11.15%
New Bern3.65%10.3%
Brices Creek3.13%10.63%

James City Renters Insurance as a Percentage of Rent

James City Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 14 2.0% $1227
$500 to $749 116 20.0% $1902
$750 to $999 157 27.0% $2652
$1,000 to $1,499 243 42.0% $3777
$1,500 or more 47 8.0% $5427

James City, NC Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$2,600
Yearly James City Homeowner Insurance Premium Example $1,100$700
Out of Pocket Expense During Claim$600$2,600
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $8,300$7,500
Net Savings to James City Home Owner from High Deductible Plan $800

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

Scenario James City, NC Home Replacement Value MORE than Home Value James City, NC Home Replacement Value LESS than Home Value
Replacement Value $306,000 $186,500
Insurance Premium based on Replacement Value $1,750 $1,075
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $52,500 Risk Exposure from Under Insuring Coverage is $67,000
Premium Impact Insurance cheaper by $400/year Insurance costlier by $275/year

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

Insurance Company GEICO InsuranceNationwide InsuranceChubb Group of Insurance
Monthly Premium 624953
Year Built 200519911978
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 2 Baths
Coverage Amount $175000-$200000$150000-$175000$150000-$175000
Deductible $1000-$2500 Deductible$500- $1000 Deductible$2500-$5000 Deductible

Sample Home Insurance Rates for James 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
1994 120,000 Wood Shake Roof 1,400 3 $1000-$2500 Deductible 460 10 Brick siding No
2010 270,000 Tile Roof 3,000 5 $500 Deductible 380 3 Vinyl siding yes
1996 275,000 Slate Shingles Roof 2,770 5 $5000 to $10,000 Deductible 590 9 Vinyl siding yes
1999 260,000 Wood Shake Roof 2,570 5 $500 Deductible 910 10 Fiber-Cement Siding No
1984 250,000 Metal Roof 3,350 4 $1000-$2500 Deductible 740 8 Vinyl siding yes
2012 350,000 Asphalt Shingles Roof 3,290 4 $500 Deductible 1590 10 Stucco siding No
2007 160,000 Slate Shingles Roof 1,510 5 $2500-$5000 Deductible 650 10 Stone Siding yes
2013 235,000 Asphalt Shingles Roof 2,250 3 $5000 to $10,000 Deductible 360 5 Brick siding No
1991 280,000 Shingles Roof 2,930 5 $500 Deductible 790 6 Fiber-Cement Siding yes
1977 140,000 Composition Roof 1,650 3 $2500-$5000 Deductible 200 6 Fiber-Cement Siding No
1994 445,000 Metal Roof 4,540 5 $1000-$2500 Deductible 550 5 Vinyl siding No
2002 355,000 Metal Roof 3,330 4 $1000-$2500 Deductible 1270 9 Fiber-Cement Siding yes
2001 255,000 Wood Shake Roof 3,450 5 > $10,000 Deductible 60 1 Stone Siding No
1979 200,000 Asphalt Shingles Roof 2,030 4 $1000-$2500 Deductible 150 3 Brick siding No
1990 455,000 Membrane Roof 4,540 5 $5000 to $10,000 Deductible 480 3 Stone Siding No
2008 320,000 Membrane Roof 3,660 5 $2500-$5000 Deductible 450 5 Brick siding yes
2012 190,000 Membrane Roof 1,740 4 $500 Deductible 620 8 Fiber-Cement Siding No
1989 105,000 Wood Shake Roof 1,320 3 $500 Deductible 50 1 Stucco siding No
1980 100,000 Composition Roof 1,290 3 $500- $1000 Deductible 430 10 Stone Siding yes
1971 185,000 Asphalt Shingles Roof 2,490 4 $500 Deductible 120 2 Stone Siding yes
1989 185,000 Shingles Roof 2,120 3 $500 Deductible 480 10 Brick siding No
2002 280,000 Shingles Roof 3,090 5 $5000 to $10,000 Deductible 870 9 Vinyl siding No
1973 190,000 Slate Shingles Roof 1,920 3 $500- $1000 Deductible 590 9 Wood siding No
2011 325,000 Shingles Roof 3,200 5 $500- $1000 Deductible 1080 9 Stucco siding No
2014 455,000 Metal Roof 4,870 5 $500 Deductible 450 3 Brick siding yes
1977 160,000 Wood Shake Roof 1,890 3 $5000 to $10,000 Deductible 390 7 Vinyl siding yes
1987 135,000 Asphalt Shingles Roof 1,850 5 $2500-$5000 Deductible 350 8 Wood siding yes
2013 245,000 Membrane Roof 2,320 3 $500- $1000 Deductible 820 9 Fiber-Cement Siding yes
2001 300,000 Membrane Roof 2,880 4 > $10,000 Deductible 130 3 Fiber-Cement Siding No
1980 120,000 Metal Roof 1,280 3 $2500-$5000 Deductible 250 9 Brick siding yes
1973 445,000 Membrane Roof 4,240 5 $1000-$2500 Deductible 1540 10 Vinyl siding yes
1980 265,000 Tile Roof 2,470 5 $2500-$5000 Deductible 680 9 Stone Siding No
1997 310,000 Membrane Roof 2,850 5 $5000 to $10,000 Deductible 620 8 Stone Siding yes
1991 275,000 Slate Shingles Roof 3,060 4 > $10,000 Deductible 320 5 Brick siding yes