Kinston Insurance Rates:

Kinston, NC homeowners insurance is nearly $494 to $673, about $41-$56/month. Our complete analysis indicates shoppers can save upto $233 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
Their response times are the best. when i reached out to customer service for a problem i had with my home they helped immediately.
Allied Insurance
I think they have a great staff and employees. since i have a number of policies, i deal with them more than most, knowing them on a first name basis, and inviting them to parties. i have found them all to be warm and friendly, and willing to help. i think they genuinely care.
Erie Insurance
She is a broker so she deals with many other companies as well, so she will get me a better company to do business with soon. i want her to stay my agent. that's the best i can do for a positive point.
North Carolina Farm Bureau
The company knows what it is doing. They do not call us and bug us about things like I have heard that other insurance companies do. We hear from them mostly thru mail. My husband may get an email once in a while. If we have a problem or have to file a claim, they are quick to get to work on it.
Amica Mutual Insurance
The routine mailings I have received from America has been informative and well produced.
State Farm
I don't like it as much as I should. They talk a good game on the phone, but when I went to the office everyone was too busy to help me.
Allstate
It is a bit difficult to navigate once inside the website. Also, the login requires a password change frequently.

Kinston, NC Homeowners Insurance By Home Value

Kinston, NC Home Value Total Homes % of Total Average Kinston, NC Homeowners Insurance
Less than $50,000 566 13.0% $134
$50,000 to $59,999 281 6.0% $285
$60,000 to $69,999 298 7.0% $355
$70,000 to $79,999 177 4.0% $413
$80,000 to $89,999 407 9.0% $466
$90,000 to $99,999 254 6.0% $524
$100,000 to $124,999 554 13.0% $606
$125,000 to $149,999 586 14.0% $757
$150,000 to $174,999 437 10.0% $897
$175,000 to $199,999 119 2.0% $1037
$200,000 to $249,999 259 6.0% $1247
$250,000 to $299,999 68 1.0% $1527
$300,000 to $399,999 105 2.0% $1941

Top Home Insurance Agents Near Kinston, NC

Home Insurance Company Near Kinston, NC Homeowners Insurance Agency Near Kinston, NC Address
NA W & S Insurance Services, Llc 209 Airport Rd, Clinton, NC, 28328
NA Insurance Unlimited/Unlimited Benefits, Inc. 310 E Johnston St, Smithfield, NC, 27577
NA Newton Grove Insurance & Realty, Inc. 206 Clinton Street , Newton Grove, NC, 28366
Travelers American Auto Club Ins Agency Llc 913 RED BANKS ROAD, GREENVILLE, NC, 27858
Travelers Standard Insurance 1000 BENVENUE RD, ROCKY MOUNT, NC, 27804

Cost Of Homeowners Insurance By Street Near Kinston, NC

Streets in Kinston Area Homeowners Insurance Cost
State Rd 1720, Cedar Ln, Mitchell St, Cameron Langston Rd, Canady Rd, S McLewean St, N McLewean St, N Independence St, Pioneer Rd, Seaboard Rd$574
State Rd 1756, Hullwood Dr, Linden Ave, Fields St, Dupree St, Plaza Blvd, Ginger Rd, Laura Ln, State Rd 1826, S Independence St$593
State Rd 1810, Wake Ave, Bynum Blvd, N Orion St, Cypress St, Washington St, Sarah Rd, Marilyn Dr, Sherman Rd, Robinwood Dr$576
Wade Ln, N Herritage St, Red Oak Dr, Benson Ln, Woodlawn Dr, Harvey St, Savanah Ln, Sylvan Cir, Oakmont Dr, S Secrest St$573
St George Pl, W Grainger Ave, Stockton Rd, Dewey St, Andrew Johnson Dr, Craft Rd, Riley Rd, Arnold Family Rd, Bowen Dr, W Blount St$577

Kinston, NC Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Kinston$87 to $89
Lenoir County$87
Jackson Heights$86
Contentnea Neck$85

Kinston, 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
Lenoir County, North Carolina $87 $116 $174
Sand Hill township, Lenoir County, North Carolina $87 $116 $174
Jackson Heights CDP, North Carolina $86 $115 $173

Kinston, 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
Kinston, NC4.0%9.0%
Lenoir County4.49%11.45%
Sand Hill4.96%16.38%
Jackson Heights5.41%16.9%

Kinston Renters Insurance as a Percentage of Rent

Kinston Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 409 8.0% $333
$200 to $299 355 7.0% $783
$300 to $499 758 15.0% $1233
$500 to $749 1,790 37.0% $1908
$750 to $999 1,046 21.0% $2658
$1,000 to $1,499 392 8.0% $3783

Kinston, NC Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$1,600
Yearly Kinston Homeowner Insurance Premium Example $1,600$1,400
Out of Pocket Expense During Claim$600$1,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $13,400$12,800
Net Savings to Kinston Home Owner from High Deductible Plan $600

Kinston, NC Home Insurance Costs With Home Replacement Value Scenarios

Scenario Kinston, NC Home Replacement Value MORE than Home Value Kinston, NC Home Replacement Value LESS than Home Value
Replacement Value $54,000 $43,000
Insurance Premium based on Replacement Value $300 $225
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $5,000 Risk Exposure from Under Insuring Coverage is $6,000
Premium Impact Insurance cheaper by $50/year Insurance costlier by $25/year

Example Kinston Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmAllstateFarmers Insurance
Monthly Premium 597338
Year Built 200419821977
Home Details 4 Beds, 2 Baths3 Beds, 1 Baths2 Beds, 1 Baths
Coverage Amount $125000-$150000$150000-$175000$75000-$100000
Deductible $500- $1000 Deductible$500 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2004 235,000 Composition Roof 3,340 4 > $10,000 Deductible 280 7 Stone Siding yes
1969 165,000 Tile Roof 2,530 4 $2500-$5000 Deductible 650 12 Wood siding yes
1992 160,000 Asphalt Shingles Roof 1,880 4 $5000 to $10,000 Deductible 150 3 Vinyl siding No
1984 215,000 Membrane Roof 2,950 4 $5000 to $10,000 Deductible 50 1 Stucco siding No
1951 115,000 Wood Shake Roof 1,390 2 $500- $1000 Deductible 230 7 Vinyl siding yes
2001 245,000 Metal Roof 3,200 4 $500- $1000 Deductible 1200 12 Wood siding No
1964 140,000 Tile Roof 1,660 3 $500 Deductible 50 1 Stone Siding No
1964 180,000 Asphalt Shingles Roof 2,570 4 $2500-$5000 Deductible 450 8 Stone Siding yes
1984 170,000 Slate Shingles Roof 2,460 4 $5000 to $10,000 Deductible 60 1 Vinyl siding No
1966 170,000 Slate Shingles Roof 2,050 5 $500- $1000 Deductible 390 7 Stucco siding yes
1988 240,000 Asphalt Shingles Roof 2,790 5 $2500-$5000 Deductible 310 6 Wood siding No
1988 90,000 Composition Roof 1,380 2 $500- $1000 Deductible 120 5 Vinyl siding No
1993 160,000 Shingles Roof 2,790 5 $5000 to $10,000 Deductible 220 5 Vinyl siding yes
1957 195,000 Shingles Roof 3,170 5 $500- $1000 Deductible 590 8 Stone Siding yes
1979 155,000 Asphalt Shingles Roof 2,490 4 $1000-$2500 Deductible 400 7 Vinyl siding yes
2001 300,000 Metal Roof 4,900 5 $500- $1000 Deductible 670 6 Stone Siding yes
1963 280,000 Composition Roof 3,460 5 $500 Deductible 190 2 Stone Siding No
1955 295,000 Tile Roof 3,710 5 > $10,000 Deductible 770 9 Stone Siding yes
2007 105,000 Tile Roof 1,440 3 $1000-$2500 Deductible 180 5 Stucco siding No
1974 95,000 Composition Roof 1,440 3 $1000-$2500 Deductible 90 2 Vinyl siding yes
1991 125,000 Shingles Roof 1,970 4 $2500-$5000 Deductible 340 7 Fiber-Cement Siding No
1958 100,000 Membrane Roof 1,290 3 $500- $1000 Deductible 290 7 Fiber-Cement Siding No
1980 70,000 Membrane Roof 910 2 $500 Deductible 130 6 Wood siding yes