Raleigh Insurance Rates:

Raleigh, NC homeowners insurance is about $523 to $709, about $43-$59/month. Our extensive research shows customers can save as much as $246 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Erie Insurance
My agent got me similar coverage to my previous coverage for a lower cost. This was very helpful when I'm trying to save money with two young children.
Allstate
I highly recommend Allstate for your home insurance policy. This is because their customer service is outstanding compared to other insurance companies.
Travelers
The deductible and premiums are among the cheapest that ive found amongst home owner insurance policies. They allow you to customize your policy to adjust to a premium and deductible that you feel comfortable paying.
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
We filed for a new roof for years of storm damage.The adjuster even added on money for other little roofing things to get the amount as high as he could. It was a stress free and pleasant experience.
Travelers
I would recommend Travelers and plan on keeping them for decades to come, even if premium is raised slightly. Customer service has been excellent and quality/accuracy /timeliness has been impeccable.
Erie Insurance
I will definitely recommend them to any one because I am satified in all they offer
State Farm
They are very reluctant to pay out claims when they do they make it extremely hard to cash the check.
Allstate
Always available to answer any questions and issues that you may have. they do get back to you to answer your concerns and explanations.
Erie Insurance
The one time i submitted a claim, erie steered me to using their preferred contractor for the home repairs associated with the claim. however, the contractor did not meet my standards for quality and even caused additional damages in small ways.
State Farm
My company's website is easy to use and navigate. It makes it easy to see everything I need about my policies and to make changes as I need to. It is also easy to communicate with my agent through the site
Geico
Nearly everything is electronic, less waste for the environment, less mail for me. Everything I need is in a documents area of my app and I can print at my convenience.
North Carolina Farm Bureau
I have not shopped around lately, so I really don't know. It doesn't feel too high, and I imagine I am getting a good deal.
Progressive
The website works well, there is no sign of them jacking up my premium, but I will remain on the lookout for this
State Farm
I do not dislike the company...although the cost can always be less expensive, as any consumer would have it !
Erie Insurance
I don't' get much communication. I'm not even sure I get an annual description of coverage.
Allstate
I like that it's a known brand and I’ve read that they are timely online in other reviews. I've never had to use it, but I hope that if I need to, they will be there.
Progressive
I have not had any claims but so far the company has been great to work with. They explain things very well.
Geico
I do appreciate their customer service and the level of service I received after an accident. The representatives were pleasant and handled my claim nicely.
Progressive
We haven't filed a claim yet so I can't state that I dislike them for any reason. They have been informative and helpful over the phone. Just have to wait to see how they are when a claim is filed.
Erie Insurance
I am very happy with my insurance company. I am glad that we chose to go with them for both home and auto insurance.
State Farm
I would recommend state farm for home insurance. The agents are very knowledgeable and nice, they answer all of my questions if I have any. They also explain in detail what every part of the policies mean.
Allstate
There are not many things I dislike, but I wish the deductible could just be a tad lower. It's at a reasonable rate, but if I need to make a claim, there are a lot of out of pocket expenses. I can't complain too much because everything else is solid.
Erie Insurance
I dislike the lack of features available on their website. I really think they should allow you to make critical changes without having to email/fax forms over.
State Farm
It is a very responsible company with their work is very efficient I would recommend 100% because they work excellently and I am very satisfied with their work.
Liberty Mutual
I would recommend Lititz Mutual because they are very easy and smooth to deal with. Their prices are very competitive and their customer service is good.
Allstate
I would absolutely recommend this company. I think that just because it's not a mainstream name, people don't think that it's a good company. I'm guilty of that at first also.
Erie Insurance
I was very satisfied with the policy offerings in terms of coverage and liability limits. I had researched other companies that were higher.

Raleigh, NC Homeowners Insurance By Home Value

Raleigh, NC Home Value Total Homes % of Total Average Raleigh, NC Homeowners Insurance
Less than $50,000 1,599 2.0% $73
$80,000 to $89,999 1,019 1.0% $246
$90,000 to $99,999 1,273 1.0% $277
$100,000 to $124,999 6,235 8.0% $320
$125,000 to $149,999 10,161 13.0% $406
$150,000 to $174,999 10,783 14.0% $480
$175,000 to $199,999 8,367 11.0% $554
$200,000 to $249,999 13,162 18.0% $665
$250,000 to $299,999 8,538 11.0% $813
$300,000 to $399,999 10,321 14.0% $1034

Top Home Insurance Agents Near Raleigh, NC

Home Insurance Company Near Raleigh, NC Homeowners Insurance Agency Near Raleigh, NC Address
State Farm Brian Rothert 2001 Wide Waters Pkwy, Knightdale, NC, 27545-7324
Allstate Glenn Slifker 825 Perry Rd, Apex, NC, 27502
Travelers Jimmy Jones Insurance Agency 6204 MAIN ST, BAILEY, NC, 27807
Nationwide Michael Glick Agency Inc 508 West Harden St - STE B, Graham, NC, 27253-2170
Allstate Raymond Collins 1777 Fordham Blvd Ste 101, Chapel Hill, NC, 27514

Raleigh, NC Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Raleigh, NC

Streets in Raleigh Area Homeowners Insurance Cost
Noble Rd, Stemmons Ct, Delco Ct, Hillston Ridge Rd, Ashley Ridge Dr, Common Oaks Dr, Olson Dr, Watkins Rd, Whisperwood Dr, Nowell Rd$656
Taymouth Ct, Lorraine Rd, Blalock Ct, Pasquotank Dr, Shillingstone Pl, Sherborne Pl, Valley Ct, Hudson Ct, River Lake Cir, Willington Pl$753
Burleigh Manor Dr, S State St, Bartholomew Cir, Beret Ct, Great Meadows Ct, Ramseur St, Hardimont Rd, Meeting House Cir, Bryan Pl, Evergreen Chase Way$591
Castain Dr, Massey Wood Trl, State Rd 1789, Heather Garden Way, Centway Park Dr, Burt Dr, Billingham Ct, Corning Rd, Strath Ln, Jasmine Cove Way$659
Powis Cir, Seaboard Ave, Brady Hollow Way, Pastille Ln, Willow Creek Dr, Viewmont Dr, Marshall Brae Dr, Mine Valley Rd, Lake Moraine Pl, State Rd 1006$595
Poplar Dr, Lydford Pl, Creel Ct, Downs Ct, Galax Dr, Lakeside Ter, Hillcrest Rd, Stadler Dr, Pullen Rd, Loon Ln$598
Bobbitt Dr, Kushima Ct, Noel Ct, Stringbean Rd, Bentpine Dr, Serendipity Dr, Sugar Maple Ct, Thrush Ridge Ln, Katharina Ct, Buckridge Ct$610
Lead Crystal Ct, Sitwell Ct, Mill Rock Ln, Walters Dr, Centennial Woods, Elmhurst Ridge Ct, Mt Herman Rd, Trusty Trl, Attingham Dr, Dawnbrook Dr$604
Franks Dr, Davis St, Hawksmoor Dr, Dallas St, State Rd 2577, Stonewall Dr, Rampart St, Royal Birkdale Dr, Casona Way, Heritage View Trl$636
Saint Lenville Dr, Coxindale Dr, Doverton Ct, Woodtrail Ln, N Radner Way, Maylands Ave, Angel Falls Rd, Mainstream Dr, Wilders Grove Ln, Deep Hollow Dr$665

Raleigh, NC Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Raleigh$92 to $94
Wake County$93
Meredith$95
Neuse$92

Raleigh, 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
Wake County, North Carolina $78 $103 $155
House Creek township, Wake County, North Carolina $78 $103 $155
Meredith township, Wake County, North Carolina $80 $106 $159

Raleigh, 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
Raleigh, NC3.5%10.5%
Wake County3.25%11.12%
House Creek3.37%10.53%
Meredith2.93%11.26%

Raleigh Renters Insurance as a Percentage of Rent

Raleigh Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 790 1.0% $320
$200 to $299 1,182 1.0% $770
$300 to $499 2,732 3.0% $1220
$500 to $749 16,068 22.0% $1895
$750 to $999 28,580 39.0% $2645
$1,000 to $1,499 19,004 26.0% $3770
$1,500 or more 4,625 6.0% $5420

Raleigh, NC Homeowners Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
27608 $472,800 $710
27605 $369,400 $670
27614 $344,800 $660
27607 $331,200 $660
27613 $298,500 $660
27612 $291,100 $660
27615 $274,400 $650
27606 $244,400 $640
27609 $235,600 $630
27603 $188,100 $610
27616 $170,200 $610
27601 $161,600 $610
27604 $161,000 $610
27610 $144,400 $600

Raleigh, NC Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$1,700
Yearly Raleigh Homeowner Insurance Premium Example $1,100$900
Out of Pocket Expense During Claim$700$1,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $9,500$8,900
Net Savings to Raleigh Home Owner from High Deductible Plan $600

Raleigh, NC Home Insurance Costs With Home Replacement Value Scenarios

Scenario Raleigh, NC Home Replacement Value MORE than Home Value Raleigh, NC Home Replacement Value LESS than Home Value
Replacement Value $434,500 $308,000
Insurance Premium based on Replacement Value $2,575 $1,825
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $87,000 Risk Exposure from Under Insuring Coverage is $39,500
Premium Impact Insurance cheaper by $250/year Insurance costlier by $500/year

Example Raleigh Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateNationwide InsuranceAmica Mutual Insurance Company
Monthly Premium 9270101
Year Built 198519912007
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 2 Baths
Coverage Amount $250000-$300000$350000-$400000$300000-$350000
Deductible $2500-$5000 Deductible> $10,000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1992 400,000 Tile Roof 3,890 5 $500 Deductible 1620 10 Fiber-Cement Siding yes
2004 300,000 Slate Shingles Roof 3,020 5 $500- $1000 Deductible 620 5 Fiber-Cement Siding No
1984 395,000 Composition Roof 3,650 5 $2500-$5000 Deductible 1100 12 Stucco siding yes
1995 185,000 Tile Roof 1,550 2 $5000 to $10,000 Deductible 390 9 Vinyl siding No
2012 300,000 Membrane Roof 2,260 4 $1000-$2500 Deductible 90 1 Brick siding yes
1989 205,000 Asphalt Shingles Roof 2,200 3 $1000-$2500 Deductible 260 3 Brick siding yes
1990 285,000 Slate Shingles Roof 2,360 3 $1000-$2500 Deductible 130 2 Brick siding yes
2005 105,000 Metal Roof 1,110 2 $2500-$5000 Deductible 350 9 Stone Siding No
1986 150,000 Wood Shake Roof 1,530 5 $500- $1000 Deductible 380 8 Stone Siding yes
2001 265,000 Membrane Roof 2,860 4 > $10,000 Deductible 290 4 Vinyl siding No
1991 200,000 Tile Roof 1,840 4 $2500-$5000 Deductible 40 1 Fiber-Cement Siding yes
2000 395,000 Composition Roof 3,720 5 $2500-$5000 Deductible 420 3 Fiber-Cement Siding yes
1988 190,000 Asphalt Shingles Roof 1,620 2 $2500-$5000 Deductible 440 6 Stone Siding No
1982 155,000 Metal Roof 1,170 2 $500 Deductible 60 1 Stone Siding yes
1985 190,000 Asphalt Shingles Roof 1,420 2 $500 Deductible 830 12 Vinyl siding yes
2014 550,000 Composition Roof 4,260 5 $5000 to $10,000 Deductible 540 6 Vinyl siding yes
2010 225,000 Shingles Roof 1,790 2 $500 Deductible 90 1 Stucco siding No
2011 95,000 Composition Roof 1,010 2 $500 Deductible 270 6 Stone Siding No
1992 170,000 Asphalt Shingles Roof 1,250 3 $5000 to $10,000 Deductible 490 9 Stone Siding yes
1983 275,000 Wood Shake Roof 2,810 4 $2500-$5000 Deductible 90 1 Wood siding No
2006 445,000 Composition Roof 3,820 5 $1000-$2500 Deductible 500 4 Brick siding yes
2012 315,000 Slate Shingles Roof 3,380 4 $500 Deductible 980 10 Stucco siding No
1980 195,000 Shingles Roof 1,670 5 $500 Deductible 850 12 Stucco siding yes
2005 240,000 Composition Roof 2,160 5 $500 Deductible 740 7 Brick siding No
2000 150,000 Tile Roof 1,130 2 $500 Deductible 490 6 Fiber-Cement Siding No
1986 350,000 Tile Roof 2,700 4 > $10,000 Deductible 650 8 Fiber-Cement Siding No
2013 140,000 Asphalt Shingles Roof 1,400 2 $1000-$2500 Deductible 290 5 Stone Siding yes
1994 320,000 Metal Roof 3,010 4 $500- $1000 Deductible 1250 12 Stone Siding yes
2010 205,000 Membrane Roof 1,750 4 $1000-$2500 Deductible 990 10 Wood siding No
1995 465,000 Asphalt Shingles Roof 4,530 5 $2500-$5000 Deductible 1940 10 Stone Siding yes
2005 180,000 Membrane Roof 1,388 3 $5000 to $10,000 Deductible 320 3 Stone Siding yes

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