Raleigh Insurance Rates:

Raleigh ,NC Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.

VHome Insurance conducted a thorough analysis of the Raleigh, NC homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Raleigh, NC is $1950. Enter your zipcode below and click “GO” to get multiple free quotes.

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Home Insurance Companies in Raleigh, NC: Customer-Reviewed Options

 

Raleigh, NC Homeowners Insurance Rates by Coverage Level

It is important to understand the different coverage options available in Raleigh, NC. VHome Insurance will help you navigate the world of homeowners insurance coverages in Raleigh, NC.

Coverage Level Average Annual Premium
$100,000 $780
$200,000 $1,326
$300,000 $1,638
$400,000 $2,496
$500,000 $3,140

 

Raleigh, NC Homeowners Insurance Rates by ZIP Code

Home insurance costs in Raleigh can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.

Zipcode Average Insurance Premium
027608 $2,239
27605 $1,936
27614 $1,959
27607 $2,024
27613 $1,940
27612 $1,940
27615 $1,914
27606 $1,894
27609 $1,913
27603 $1,834
27616 $1,807
27601 $1,948
27604 $1,791
27610 $1,767

 

Raleigh, NC Homeowners Insurance Deductibles

One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Raleigh, NC, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $1,999
$1000 Deductible $1,788
$1500 Deductible $1,687
$2500 Deductible $1,521
$5000 Deductible $1,287

 

 


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

 

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

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 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