Mecklenburg County, NC Home Insurance - Analysis On Quotes, Rates & Agents
Mecklenburg County Insurance Rates:
Mecklenburg County, NC homeowners insurance is approximately $518 to $700, about $43-$58/month. Our extensive guide shows customers can save as much as $243 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
How to Save on Homeowners Insurance in Mecklenburg County, NC
The average cost of home insurance in Mecklenburg County, NC, is $1040. Home is one of the most valuable assets for any homeowner. Therefore, homeowners must obtain homeowners insurance in Mecklenburg County, NC, to protect their homes against fires, hail, and other catastrophes. In case of any major damage caused due to natural calamities or any other peril in your house, home insurance will help you rebuild your house. Home insurance companies determine the insurance rates after scrutinizing certain factors. This includes the location of your home, the age and construction of the home, and other characteristics such as weather threats that determine your risk profile. These factors are explained in this article below.
a. By choosing a higher deductible
The homeowner determines the deductible amount during the purchase of the insurance policy. A home insurance deductible is an amount that a policyholder must pay towards a claim before their insurance company steps in to help cover the rest. A high deductible leads to lower insurance premiums. For example, homeowners paying a deductible of 500 and 1500 pay a premium of $1027.52 and $875.06 on homeowners insurance in Mecklenburg County, NC. In contrast, homeowners paying a deductible of 2000 and 2500 pay $794.35 and $746.72, respectively. Therefore, the higher the deductible, the lower the homeowners insurance rates in Mecklenburg County, NC.
b. By installing security features
Home security features are designed to reduce the risk of injury or damage to the house or any person. Most insurance companies offer discounts for homes with security devices. For instance, homes with fire extinguishers pay $946.4 on home insurance in Mecklenburg County, NC. The chances of fire or minor blazes are less with the presence of fire extinguishers and fire alarms at home.
c. By maintaining a zero claims history
Claims history can play a vital role when setting your insurance rates. Insurance companies use your claims report to evaluate potential risks to determine a tailored price. For example, if you file a claim for a burst pipe or damaged wiring, your insurer will offer the coverage, but they may also levy more insurance to account that you have had one claim and are therefore at a higher risk of another. For example, homeowners in Mecklenburg County, NC, with zero claims history, have to pay a premium of $904.8. In contrast, homeowners with one or two claims have to pay $1092 and $1175.2 on homeowners insurance in Mecklenburg County, NC.
Mecklenburg County, NC Homeowners Insurance By Home Value
| Mecklenburg County, NC Home Value | Total Homes | % of Total | Average Mecklenburg County, NC Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 5,865 | 3.0% | $79 |
| $60,000 to $69,999 | 2,720 | 1.0% | $207 |
| $70,000 to $79,999 | 4,246 | 2.0% | $243 |
| $80,000 to $89,999 | 6,403 | 3.0% | $274 |
| $90,000 to $99,999 | 7,977 | 4.0% | $310 |
| $100,000 to $124,999 | 23,258 | 12.0% | $359 |
| $125,000 to $149,999 | 25,036 | 13.0% | $444 |
| $150,000 to $174,999 | 25,082 | 13.0% | $529 |
| $175,000 to $199,999 | 17,695 | 9.0% | $609 |
| $200,000 to $249,999 | 26,749 | 14.0% | $736 |
| $250,000 to $299,999 | 19,087 | 10.0% | $901 |
| $300,000 to $399,999 | 21,710 | 11.0% | $1144 |
Top Home Insurance Agents Near Mecklenburg County, NC
| Home Insurance Company Near Mecklenburg County, NC | Homeowners Insurance Agency Near Mecklenburg County, NC | Address |
|---|---|---|
| NA | Peter E Frank Insurance Agency, Inc | 7411 Stonehaven Dr , Waxhaw, NC, 28173 |
| Allstate | Abraham Cannon | 8410 Pit Stop Ct Nw Ste 169, Concord, NC, 28027 |
| Nationwide | Bill Layne Insurance Agency Inc | 6301 South Blvd, Charlotte, NC, 28217-4442 |
| Nationwide | David E Angel Jr | 4523 Park Rd, Charlotte, NC, 28209-3700 |
| Travelers | Movement Insurance | 13840 BALLANTYNE CORP PL STE 125, CHARLOTTE, NC, 28277 |
Mecklenburg County, NC Home Insurance Agents for Top Companies
Cost Of Homeowners Insurance By Street Near Mecklenburg County, NC
| Streets in Mecklenburg County Area | Homeowners Insurance Cost |
|---|---|
| Century View Dr, Creekmere Ln, Cullman Ave, Bramble Creek Dr, Whitworth Way, Rothe House Rd, N Brevard St, State Rd 2418, Detroiter Dr, Falconer Pl | $648 |
| Trailmoor Rd, Davidson Gateway Dr, Sleepy Hollow Rd, South St, Wandering Way Dr, Washington Pl, Cripple Creek Ln, State Rd 1256, Soapstone Dr, Dove Dr | $621 |
| Bradford Park Dr, Sutherland Dr, Corliss Ave, State Rd 2820, W 4th St, Murrayhill Rd, O'Shanta Ct, Pedigree Ln, Marshbank Ln, Meadowbrook Rd | $617 |
| Brantham Ct, Lawrence Orr Rd, State Rd 2196, Barclay Downs Dr, Spokeshave Ln, State Rd 2509, Lake Rd, Doylestown Rd, Carver Falls Dr, Pryor St | $632 |
| Morgense Pl, Elkins Park Dr, Bluff Meadow Trl, Graham Park Dr, Walnut Grove Ln, Shorewood Dr, Philemon Ave, State Rd 2820, Royal Ct, Bainbridge Rd | $668 |
| Park Square Pl, Terrier Way, State Rd 2307, Chewtonglen Ln, State Rd 1621, Brockton Ln, Sullivan Ridge Dr, Triangle Dr, Bengali Cir, State Rd 2213 | $618 |
| Neill Ridge Rd, Park South Dr, Abernathy Rd, Stevens Mill Rd, Cindy Ln, Babe Stilwell Farm Rd, Summerpond Ct, Pine Chapel Dr, Division St, Barn Stone Dr | $582 |
| Calloway Orchard Dr, State Rd 1255, Byrum Dr, Bolling Rd, Gleneagles Rd, Latham Pl, Keeneland Ln, Jonathans Ridge Rd, Bungalow Rd, Dawn Cir | $571 |
| Wallace Pond Dr, Villanova Rd, Elcar Dr, Wedgedale Dr, Pelton St, Porterfield Rd, Philip Michael Rd, Davidson-Concord Rd, Gunston Ct, Dexter St | $628 |
| Provincetowne Dr, Rampart St, Bluegill Rd, State Rd 2174, Stellarton Way, Flushing Ct, Guernsey Ct, Davis Dr, Shackleford Ter, Windy Rock Way | $580 |
Mecklenburg County, NC Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Mecklenburg County | $91 to $93 |
| Charlotte | $90 |
| Matthews | $93 |
| Mint Hill | $92 |
Mecklenburg County, 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 |
|---|---|---|---|
| Charlotte city, North Carolina | $76 | $101 | $151 |
| Matthews town, North Carolina | $78 | $103 | $155 |
| Mint Hill town, North Carolina | $77 | $103 | $154 |
Mecklenburg County, NC Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Mecklenburg County, NC | 3.4% | 11.2% |
| Charlotte | 3.47% | 10.98% |
| Matthews | 3.34% | 11.46% |
| Mint Hill | 3.23% | 12.67% |
Mecklenburg County Renters Insurance as a Percentage of Rent
| Mecklenburg County Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 1,594 | 1.0% | $323 |
| $200 to $299 | 1,875 | 1.0% | $773 |
| $300 to $499 | 5,136 | 3.0% | $1223 |
| $500 to $749 | 34,593 | 25.0% | $1898 |
| $750 to $999 | 48,085 | 34.0% | $2648 |
| $1,000 to $1,499 | 36,981 | 26.0% | $3773 |
| $1,500 or more | 10,092 | 7.0% | $5423 |
Latest Home Insurance Reviews by Location
Huntersville, NC
GeicoI would totally recommend this company based on lowest cost, best deductible and mos bang for your buck plus the customer service alone outshines the other companies
Charlotte, NC
AllstateWe are pretty satisfied with our coverage policy. I think the policy is pretty straight forward and easy to read. We feel safe that our home is protected.