How much is homeowners insurance in Fayetteville, NC

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In Fayetteville, homeowners pay an average annual rate of $3,325 for a coverage level that includes $300,000 for dwelling, $100,000 for liability protection, and a $1,000 deductible, according to Insure.com’s rate analysis. This is $821 more than the national average of $2,504.

Homeowners insurance premiums can vary significantly from one property to another. In Fayetteville, the cost of home insurance is influenced by several factors, including:

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

It’s crucial to compare quotes from multiple insurers to ensure you get the best homeowners insurance policy. This allows you to find the coverage that meets your specific needs.

Read this guide to discover the monthly homeowners insurance cost in Fayetteville, explore the insurance costs for different dwelling coverage, and find out which companies offer affordable home insurance in Fayetteville.

How much is homeowners insurance in Fayetteville per month

According to Insure.com’s rate analysis, residents of Fayetteville pay an average of $277 per month for homeowners insurance. This is $33 more than the state average of $244 and $68 more than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Fayetteville can vary depending on your location, property value, and selected coverage options.

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

In Fayetteville, NC, homeowners pay an average of $2,151 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 Fayetteville

Based on a rate analysis conducted by Insure.com, Fayetteville residents pay an average of $3,325 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. If you plan to increase your dwelling coverage from $200,000 to $300,000, you must pay an additional $1,174 per year for home insurance.

Buying adequate insurance to cover the entire expense of rebuilding your home is best advisable. However, the amount of dwelling coverage you need may vary depending on your home’s size, amenities, and the cost of living in your area.

How much is homeowners insurance in Fayetteville by company

Among the carriers analyzed, State Farm is the cheapest homeowners insurance company in Fayetteville. It’s average annual rate for Fayetteville homeowners is $949, 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 Fayetteville and prepared a list of the cheapest home insurance providers. You can find below the Fayetteville 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 Fayetteville for $300,000 dwelling coverage, $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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