How much is homeowners insurance in Nashville, NC

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In Nashville, homeowners pay an average annual rate of $2,889 (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 $385 more than the national average of $2,504.

Homeowners insurance rates change from one home to another. The home insurance premium in Nashville 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 Nashville, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Nashville.

How much is homeowners insurance in Nashville per month

According to our rate analysis, homeowners in Nashville pay an average of $241 per month. It’s $3 less than the state average of $244 and $32 more than the national average for home insurance across the United States.

In Nashville, the cost of your homeowners insurance policy depends on the value of your home, location, and the coverage options you select.

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

The average cost of homeowners insurance in Nashville, NC is $1,871 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The amount you pay for home insurance each year depends on many different things. The types of natural disasters or events that take place in your area affect how much you pay for coverage in your city.

Some areas are more at risk for natural disasters, like flood, hurricanes, or tornadoes. This means that if something happens, the cost of rebuilding would be higher in those areas, thereby leading to higher insurance premiums. Your insurance policy might not cover damage caused by floods or hurricanes. So, if you live in a flood-prone area, consider buying flood insurance coverage.

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

According to Insure.com’s rate analysis, homeowners in Nashville typically pay an average of $2,889 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 $1,018. 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 Nashville by company

Among the carriers analyzed, State Farm is the most affordable homeowners insurance company in Nashville. It’s average annual rate for homeowners in Nashville is $751, while North Carolina Farm Bureau ranks second.

Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in Nashville and compiled a list of the most affordable home insurance companies.

Below are details of Nashville home insurance companies and their average annual premiums.

Common natural disasters in North Carolina that may affect home insurance

Living in North Carolina comes with its unique challenges, particularly when it comes to the risk of natural disasters. These events can cause significant damage to homes and property, leading to potential insurance claims. Understanding which natural disasters are common in your area can help you make an informed decision when choosing your home insurance policy.

Ice storm and Winter weather are some of the common natural disasters in North Carolina that may affect 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 Nashville 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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