Waynesville Insurance Rates:

Waynesville, NC homeowners insurance is about $512 to $700, about $42-$58/month. Our comprehensive analysis reveals consumers can save upto $242 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

North Carolina Farm Bureau
I feel that the customer service of our insurance company is about the same as other insurance companies. When you want to speak to a representative, I find that most of the time they are out of the office and will have to call back.
State Farm
I like that they seem to be about average rate and coverage. I like that I haven't had to contact them. I like that their website is easy. I like that they haven't dropped us and they haven't left the state.
Encompass Insurance
Whenever I had a problem they always responded fairly and quickly.
Farmer's Insurance
I think they are very slow to respond to their customers, I mentioned this earlier as well. Overall though it's about average, which is okay.
Allstate
The claim process was very simple and easy. The insurance agent walked me through every step of the way.

Waynesville, NC Homeowners Insurance By Home Value

Waynesville, NC Home Value Total Homes % of Total Average Waynesville, NC Homeowners Insurance
Less than $50,000 779 13.0% $84
$50,000 to $59,999 135 2.0% $175
$60,000 to $69,999 148 2.0% $218
$70,000 to $79,999 121 2.0% $254
$80,000 to $89,999 206 3.0% $290
$90,000 to $99,999 230 4.0% $321
$100,000 to $124,999 592 10.0% $375
$125,000 to $149,999 477 8.0% $472
$150,000 to $174,999 508 8.0% $557
$175,000 to $199,999 539 9.0% $642
$200,000 to $249,999 604 10.0% $775
$250,000 to $299,999 582 10.0% $945
$300,000 to $399,999 726 12.0% $1199

Top Home Insurance Agents Near Waynesville, NC

Home Insurance Company Near Waynesville, NC Homeowners Insurance Agency Near Waynesville, NC Address
Liberty Mutual Independent Bankers Insurance - Asheville 77 CENTRAL AVE, ASHEVILLE, NC, 28801
Travelers Bynum Insurance Agency 151 Hiawassee St., Clayton, GA, 30525
Travelers R Carl Byars Agency Inc 129 E 1ST AVE, EASLEY, SC, 29640
Travelers R Carl Byars Agency Inc 129 E First Ave, Easley, SC, 29640
State Farm Tracy Gunn 1760 Brevard Rd, Hendersonvlle, NC, 28791-3202

Cost Of Homeowners Insurance By Street Near Waynesville, NC

Streets in Waynesville Area Homeowners Insurance Cost
Parrish Farm Rd, Whitner Dr, Francisco Dr, Chateau Ln, Morning Dr, Nichols Ridge, Smith Dr, Diane Dr, Salem Loop, Chestnut Cove Rd$608
Sunny Acres Pl, Glen Meadow Dr, State Rd 1308, Meadows Ln, Niagra Pl, Glenview Ln, Lark Ln, Bethesda Ln, Barefoot Ridge, Aaron Way$607
Harris St, L and E Meadows Dr, Austin Hts, Renee Trce, Baconton Cove, Leslie Ln, Ragwood Ln, Bungalow Dr, Hampton Ct, Brannon Forest Dr$618
Old Crow Rd, Sand Trap Rd, The Trail, Flowing Brook Ln, Hillview Cir, Whitfield Way, Pond Rd, Charles Wesley Way, Pigeon St, Logging Trl$620
Prevost St, Assembly St, Lake Logan Rd, Cross Creek Dr, Cap St, McClure Creek Rd, Turkey Pen Rd, Leisure Ln, Brown St, Eindon Cir$609
Piney Mountain Rd, Hobbit Ln, Peaceful Ln, Sherrill Dr, State Rd 1810, Recycle Rd, Tracy Ln, Carillon Ct, Cessna Ln, State Rd 1371$628
Meadow View Cir, Brown Ridge Rd, Poplar Holler Rd, Camp Branch Rd, Enchanted Ln, S Haywood St, Kyles Way, Quincy St, Nautilus Dr, Louisana Ln$608
Falcon Ridge Dr, R and K Dr, State Rd 1625, Mashstomp Rd, Victory St, Copper Way, Honeysuckle Ln, High Hopes Ln, Oconaluftee Cove, Gristmill Dr$606
Joshua Ln, Sunnyside Rd, Chatham St, Hawks Lift Dr, Great Smoky Mountain Expy, Brettwood Trce, Heath Dr, Pasco Loop, Osborne Rd, Hoosier Ct$621
Mvr Ln, Wakulla Dr, Cochran St, State Rd 1805, Crystal Ln, J and J Farm Rd, Deer Creek Trl, Roberts Shop Rd, Alavista Way, Bragg Ln$609

Waynesville, NC Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Waynesville$90 to $93
Lake Junaluska$94
Ivy Hill$92
Scott Creek$90

Waynesville, 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
Lake Junaluska CDP, North Carolina $79 $105 $158
Maggie Valley town, North Carolina $79 $105 $157
Ivy Hill township, Haywood County, North Carolina $77 $102 $153

Waynesville, 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
Waynesville, NC4.3%15.0%
Lake Junaluska4.03%14.26%
Maggie Valley3.64%12.4%
Ivy Hill4.23%13.96%

Waynesville Renters Insurance as a Percentage of Rent

Waynesville Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 120 5.0% $774
$300 to $499 201 8.0% $1224
$500 to $749 920 38.0% $1899
$750 to $999 685 28.0% $2649
$1,000 to $1,499 431 18.0% $3774

Waynesville, NC Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$2,600
Yearly Waynesville Homeowner Insurance Premium Example $1,900$1,500
Out of Pocket Expense During Claim$600$2,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $15,800$14,600
Net Savings to Waynesville Home Owner from High Deductible Plan $1,200

Waynesville, NC Home Insurance Costs With Home Replacement Value Scenarios

Scenario Waynesville, NC Home Replacement Value MORE than Home Value Waynesville, NC Home Replacement Value LESS than Home Value
Replacement Value $252,000 $145,000
Insurance Premium based on Replacement Value $1,075 $625
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $56,500 Risk Exposure from Under Insuring Coverage is $50,500
Premium Impact Insurance cheaper by $200/year Insurance costlier by $250/year

Example Waynesville Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmNationwide InsuranceChubb Group of Insurance
Monthly Premium 68127134
Year Built 200120121960
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 4 Baths
Coverage Amount $175000-$200000$250000-$300000$350000-$400000
Deductible $500 Deductible$500- $1000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1987 230,000 Composition Roof 2,070 5 $500 Deductible 300 4 Stucco siding yes
1984 255,000 Shingles Roof 2,840 4 > $10,000 Deductible 530 10 Vinyl siding yes
2005 510,000 Slate Shingles Roof 4,750 5 > $10,000 Deductible 1220 9 Wood siding yes
1973 280,000 Composition Roof 2,760 5 $2500-$5000 Deductible 220 3 Wood siding No
1975 175,000 Asphalt Shingles Roof 2,060 3 $500- $1000 Deductible 680 9 Brick siding No
1982 385,000 Shingles Roof 3,650 5 $1000-$2500 Deductible 110 1 Vinyl siding yes
1974 215,000 Tile Roof 2,520 4 $500 Deductible 550 6 Wood siding No
1982 220,000 Slate Shingles Roof 1,950 3 $500 Deductible 250 3 Wood siding No
1964 380,000 Asphalt Shingles Roof 3,700 5 $2500-$5000 Deductible 700 6 Wood siding yes
1996 400,000 Metal Roof 4,020 5 $2500-$5000 Deductible 810 8 Stucco siding No
2009 315,000 Metal Roof 2,690 4 $2500-$5000 Deductible 110 1 Vinyl siding No
2014 125,000 Composition Roof 1,380 3 $500 Deductible 90 2 Wood siding No
1991 350,000 Tile Roof 3,020 5 $5000 to $10,000 Deductible 540 6 Wood siding No
1967 170,000 Composition Roof 1,890 5 $500- $1000 Deductible 120 2 Stucco siding No
1960 225,000 Slate Shingles Roof 2,400 4 > $10,000 Deductible 120 3 Vinyl siding yes
1998 230,000 Tile Roof 2,420 5 > $10,000 Deductible 80 2 Vinyl siding yes
1985 215,000 Wood Shake Roof 2,270 3 $5000 to $10,000 Deductible 290 6 Stucco siding yes
2002 190,000 Tile Roof 2,030 3 $2500-$5000 Deductible 280 4 Vinyl siding No
1977 285,000 Tile Roof 2,550 5 $5000 to $10,000 Deductible 320 5 Brick siding yes
1994 435,000 Tile Roof 4,620 5 $1000-$2500 Deductible 150 1 Stone Siding yes
2014 215,000 Membrane Roof 2,230 5 $500 Deductible 740 7 Fiber-Cement Siding No
1984 115,000 Asphalt Shingles Roof 1,380 3 $500 Deductible 230 5 Brick siding No