Lenoir Insurance Rates:

Lenoir, NC homeowners insurance is about $493 to $668, about $41-$55/month. Our comprehensive research indicates shoppers can save as much as $232 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Travelers
It was very simple to obtain when we bought out home and they make it very easy to have the premiums paid out of our mortgage payment.
State Farm
I don't like that for some things that they sell i have to call the third company and figure out what was wrong.
North Carolina Farm Bureau
Although our home insurance agent is available at the office, we do not have an adequate means of contacting him during off-hours, as he has not provided a cell number on his business card.
Erie Insurance
I always get letters telling me when is our time to renew and if there are any changes to the payment
Erie Insurance
I don't have any problems with the premium because I get a multi-policy discount for also having auto insurance through Erie, I have been a customer for many years, and I think the coverage is well worth it.
Erie Insurance
I have been quite pleased with my insurance company over the years. I have never had any trouble with any process I have gone through with them thus far. They are always courteous, reliable, and efficient.
Progressive
They are very strict about their policies and deadlines. I got nasty letters for being a few days late paying the policy.
State Farm
I have no complaints. We had significant flood damage in a prior home and we worked closely with them to during that. The process went smoothly and everyone we worked with was solid and followed through.

Lenoir, NC Homeowners Insurance By Home Value

Lenoir, NC Home Value Total Homes % of Total Average Lenoir, NC Homeowners Insurance
Less than $50,000 767 14.0% $145
$50,000 to $59,999 326 6.0% $313
$60,000 to $69,999 421 8.0% $389
$70,000 to $79,999 314 5.0% $447
$80,000 to $89,999 486 9.0% $505
$90,000 to $99,999 542 10.0% $563
$100,000 to $124,999 604 11.0% $656
$125,000 to $149,999 727 13.0% $819
$150,000 to $174,999 344 6.0% $970
$175,000 to $199,999 228 4.0% $1121
$200,000 to $249,999 340 6.0% $1347
$250,000 to $299,999 131 2.0% $1650

Top Home Insurance Agents Near Lenoir, NC

Home Insurance Company Near Lenoir, NC Homeowners Insurance Agency Near Lenoir, NC Address
NA Tdm Sales, Inc. Dba Crossroads Insurance 7151 Geo. Hildebran Sch Rd , Hickory, NC, 28602
NA First Security Company, Inc. 212 3Rd Ave Nw, Hickory, NC, 28601
Nationwide Carney & Company Insurance Services Inc. 171 Wagner St, Troutman, NC, 28166
Erie Highlander Insurance Agency 1095 E King St Boone, Town of Boone, NC, 28607
State Farm Joe Ricci 20315 Knox Rd Ste A, Cornelius, NC, 28031-6586

Cost Of Homeowners Insurance By Street Near Lenoir, NC

Streets in Lenoir Area Homeowners Insurance Cost
Ashe Ave NW, Elcaney Dr, Thrift St SW, Triplett Dr, Dexter Pl, State Rd 1388, Bushwood Ct, Hollings Rd, Tablerock Rd, Cindilyn Ln$581
Norwood St SW, Eller Ct, Spencer Heights Dr, Maehill Pl SW, Simmons Cir, Sim Land Dr, Trenton Park, State Rd 1135, Frank Martin Ln, Planters Way$582
Sweetbriar Cir, Pennsylvania Ave, Mc Crary Rd, Kristin Ln, Westway Pl SW, Peachtree Pl, State Rd 1401, Woodpecker Ln, Foster Pl, Cannon Ridge Rd$575
Globe Mtn Rd, Oakwood Church Rd, Murray Pl SW, Civic Ct NW, Hoover St NW, State Rd 1210, Hoods Creek Rd, German St NW, Briarwood St, State Rd 1140$579
Craig Creek Rd, Rhymer Ln, Swan Dr SW, Watson St NW, Kincaid, Crump Rd, Sunset Trl, Smith Dr, State Rd 1167, State Rd 1340$579

Lenoir, NC Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Lenoir$86 to $89
Gamewell$88
Smoky Creek$89
North Catawba$87

Lenoir, 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
Gamewell town, North Carolina $88 $117 $176
Cajah's Mountain town, North Carolina $88 $117 $176
Smoky Creek township, Burke County, North Carolina $89 $119 $179

Lenoir, 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
Lenoir, NC5.5%19.0%
Gamewell5.15%17.47%
Cajah's Mountain4.92%18.18%
Smoky Creek4.48%19.32%

Lenoir Renters Insurance as a Percentage of Rent

Lenoir Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 23 1.0% $334
$200 to $299 120 5.0% $784
$300 to $499 395 17.0% $1234
$500 to $749 1,228 55.0% $1909
$750 to $999 381 17.0% $2659
$1,000 to $1,499 50 2.0% $3784

Lenoir, NC Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$1,700
Yearly Lenoir Homeowner Insurance Premium Example $600$400
Out of Pocket Expense During Claim$700$1,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $5,500$4,900
Net Savings to Lenoir Home Owner from High Deductible Plan $600

Lenoir, NC Home Insurance Costs With Home Replacement Value Scenarios

Scenario Lenoir, NC Home Replacement Value MORE than Home Value Lenoir, NC Home Replacement Value LESS than Home Value
Replacement Value $119,500 $92,500
Insurance Premium based on Replacement Value $650 $500
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $10,500 Risk Exposure from Under Insuring Coverage is $16,500
Premium Impact Insurance cheaper by $100/year Insurance costlier by $50/year

Example Lenoir Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmNationwide InsuranceGEICO Insurance
Monthly Premium 549552
Year Built 200619811977
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 1 Baths
Coverage Amount $150000-$175000$200000-$250000$150000-$175000
Deductible $500- $1000 Deductible$500 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1988 90,000 Slate Shingles Roof 1,260 3 $500 Deductible 60 2 Vinyl siding No
1990 170,000 Shingles Roof 3,040 4 $1000-$2500 Deductible 680 7 Wood siding No
2006 220,000 Tile Roof 2,730 5 $500 Deductible 780 6 Vinyl siding yes
1981 140,000 Shingles Roof 2,190 3 $500 Deductible 110 2 Stone Siding No
1996 175,000 Composition Roof 2,370 3 $500 Deductible 300 6 Fiber-Cement Siding No
1964 155,000 Metal Roof 1,910 4 $5000 to $10,000 Deductible 320 10 Wood siding No
1965 160,000 Composition Roof 2,070 3 $2500-$5000 Deductible 420 8 Vinyl siding No
1960 295,000 Tile Roof 4,570 5 $500 Deductible 850 7 Wood siding yes
1996 145,000 Membrane Roof 1,790 3 $2500-$5000 Deductible 200 6 Stone Siding yes
1986 95,000 Metal Roof 1,600 3 $2500-$5000 Deductible 230 10 Brick siding yes
2009 100,000 Composition Roof 1,480 3 $2500-$5000 Deductible 320 9 Stucco siding No
1945 85,000 Asphalt Shingles Roof 1,420 3 $500 Deductible 260 6 Wood siding yes
1991 325,000 Asphalt Shingles Roof 4,420 5 $500- $1000 Deductible 500 4 Vinyl siding No
1995 110,000 Asphalt Shingles Roof 1,890 4 $1000-$2500 Deductible 230 6 Stucco siding No
1986 100,000 Slate Shingles Roof 1,300 3 $2500-$5000 Deductible 190 6 Brick siding yes
1975 200,000 Metal Roof 2,840 4 $2500-$5000 Deductible 100 2 Stucco siding No
1976 220,000 Metal Roof 3,170 4 $5000 to $10,000 Deductible 150 3 Stone Siding yes
1975 100,000 Asphalt Shingles Roof 1,800 3 $500 Deductible 490 9 Vinyl siding No
1942 145,000 Composition Roof 2,340 4 $500- $1000 Deductible 860 12 Stucco siding No
1989 180,000 Tile Roof 3,040 4 $5000 to $10,000 Deductible 530 8 Stone Siding No
1979 290,000 Composition Roof 3,900 5 $500- $1000 Deductible 110 1 Stucco siding yes
2006 180,000 Composition Roof 2,430 4 $5000 to $10,000 Deductible 460 7 Wood siding yes
1975 195,000 Membrane Roof 2,840 4 $500 Deductible 260 4 Wood siding No
2008 135,000 Asphalt Shingles Roof 1,640 3 $1000-$2500 Deductible 450 10 Stone Siding yes
2003 120,000 Composition Roof 1,490 3 $2500-$5000 Deductible 120 5 Vinyl siding No
1977 95,000 Asphalt Shingles Roof 1,430 3 $2500-$5000 Deductible 100 3 Fiber-Cement Siding yes
1960 105,000 Shingles Roof 1,350 3 $500- $1000 Deductible 80 3 Stone Siding No
1968 185,000 Asphalt Shingles Roof 2,370 3 $5000 to $10,000 Deductible 230 4 Vinyl siding yes