How much is homeowners insurance in Charlotte, NC

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In Charlotte, homeowners pay an average annual rate of $2,269 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible), according to Insure.com’s rate analysis. It’s $235 less than the national average of $2,504.

Homeowners insurance rates change from one home to another. The home insurance premium in Charlotte depends on various factors, such as:

• Size of your home
• Age of your home
• Amount of coverage you need
• Location
• Your credit score

To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers, enabling you to find the right coverage that aligns with your specific requirements.

Read this guide to learn how much homeowners insurance costs monthly in Charlotte, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Charlotte.

How much is homeowners insurance in Charlotte per month

Charlotte homeowners pay an average of $189 a month, based on our rate analysis. It’s $55 less than the state average of $244 and $20 less than the national average for home insurance across the United States. The price of your homeowners insurance policy in Charlotte may vary depending on where you live, the value of your home, and the coverage you choose.

How much is homeowners insurance for a $200,000 house in Charlotte

In Charlotte, NC, homeowners pay an average of $1,485 annually for a $200,000 house. The amount you pay for home insurance each year depends on factors such as – natural disasters or events within your locality.

Some regions are more at risk for natural disasters, like floods, hurricanes, or tornadoes, implying higher rebuilding rates in these areas are higher, resulting in higher insurance premiums. It’s essential to note that your insurance policy might not cover damages caused by floods or hurricanes. If you reside in an area prone to flooding, consider buying flood insurance.

How much is homeowners insurance for a $300,000 house in Charlotte

According to Insure.com’s rate analysis, homeowners in Charlotte typically pay an average of $2,269 annually for a home insurance policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, your home insurance rates will rise by $784. It is advisable to purchase enough insurance to cover the entire cost of rebuilding your home. The required amount of dwelling coverage can vary based on factors such as the size of your home, its features, and the cost of living in your area.

How much is homeowners insurance in Charlotte by company

Among the carriers analyzed, State Farm is the cheapest homeowners insurance company in Charlotte. It’s average annual rate for Charlotte homeowners is $946, while North Carolina Farm Bureau ranks second.

Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Charlotte and prepared a list of the cheapest home insurance providers. You can find below the Charlotte home insurance companies and their average annual premium.

Common natural disasters in North Carolina that may affect home insurance

Living in North Carolina comes with the threat of natural disasters, which can cause significant damage to homes and property, often resulting in insurance claims. Understanding which natural disasters are most prevalent in your area is key to choosing the right home insurance policy.

Ice storm and Winter weather are some of the most common natural disasters in North Carolina that could impact your home insurance rates.

How home insurance protects you against natural disasters

Home insurance helps protect your property and belongings from the financial impact of natural disasters. While standard policies generally cover damages from windstorms, hail and lightning, additional coverage is required for disasters like floods, earthquakes and wildfires.

These types of damage are usually not covered by homeowners insurance, so homeowners need to buy separate flood or earthquake insurance to ensure complete protection.

Home insurance can help pay for structural damage repairs, replace lost or damaged items, and provide funds for temporary housing if your home becomes uninhabitable. This coverage provides financial relief, making it easier for homeowners to recover quickly from the effects of natural disasters.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Charlotte for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.

Shivani Gite

Contributing Writer

 

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Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.

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