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How much is home insurance in North Carolina?
I’m hoping to buy a house in Durham this year. I know I need to budget for insurance on top of monthly mortgage payments. How much is home insurance in North Carolina?
Bonnie Stinson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
That’s so exciting! The average annual cost of home insurance in North Carolina is $1,295, or about $108 per month.
Your rate will probably be quite different, however. The size and age of your home, as well as its location, will either increase or decrease your premium.
Since you haven’t bought your house yet, you’re in a great position to be strategic!
To save money, look for a property that fits these criteria:
- Newer build
- Smaller size
- Safe zip code
- Less natural threats (not located in a flooding zone, no big trees near the house)
You can start shopping around for a policy now, even before you know which neighborhood you’ll wind up in. Find a few property listings you like and copy the zip codes. Open the Jerry app and enter the zip code. Now play around with
coverage
amounts. You’ll learn a lot about how prices change—all without spending a single dollar or changing your addressIf you have questions about
homeowners insurance
—or if you’re ready to purchase a policy— reach out to Jerry
. Our friendly agents are happy to answer questions and help you review coverage.Good luck with your house!
View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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