How Can I Make My Charlotte, NC Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Charlotte, NC by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
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Select the Suitable Coverage Value for your Charlotte, NC Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $72,000 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $192,000 | $180,000 | $200,000-$250,000 |
| 3 Bedroom | $210,500 | $170,000 | $175,000-$200,000 |
| 4 Bedroom | $197,500 | $170,000 | $175,000-$200,000 |
| 5 Bedroom | $211,500 | $190,000 | $175,000-$200,000 |
Estimate your Savings with Home Insurance Discounts in Charlotte, NC | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$170 | $776 |
| Superior Protection Discount | -$85 | $861 |
| Fire & Security Discount | -$85 | $861 |
| Hail Resistant Roof Discount | -$19 | $928 |
| Newly Constructed Home Discount | -$256 | $691 |
Choose the Right Deductible for your Charlotte, NC Home | Back to Top
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Mecklenburg County | $2,000 | $986 | $2,986 | $717 | $2,717 | $270 |
| Charlotte, NC | $2,500 | $935 | $3,435 | $680 | $3,180 | $256 |
| Mecklenburg County, NC | $300 | $986 | $1,286 | $717 | $1,017 | $270 |
| Pineville, NC | $700 | $807 | $1,507 | $586 | $1,286 | $220 |
| Stallings, NC | $100 | $780 | $880 | $567 | $667 | $213 |
| Kannapolis, NC | $1,500 | $737 | $2,237 | $536 | $2,036 | $201 |
| Enochville, NC | $300 | $693 | $993 | $503 | $803 | $189 |
| Coddle Creek, NC | $1,000 | $824 | $1,824 | $599 | $1,599 | $225 |
| Buford, NC | $500 | $744 | $1,244 | $540 | $1,040 | $203 |
| Steele, NC | $2,500 | $729 | $3,229 | $530 | $3,030 | $199 |
| Earl, NC | $400 | $642 | $1,042 | $467 | $867 | $176 |
| Uwharrie, NC | $1,000 | $863 | $1,863 | $627 | $1,627 | $236 |
Identify Top Home Insurance Agents near Charlotte, NC | Back to Top
| Home Insurance Company Charlotte, NC | Homeowners Insurance Agency Charlotte, NC | Address | Popularity Score | Distance from Charlotte (miles) |
|---|---|---|---|---|
| Travelers | Lincoln Insurance Agency Inc | 510 East Main St, Lincolnton, NC, 28092 | 30.0 | |
| Nationwide | Kevin Brewer & Associates Inc. | 8310 University Exec Park Ste 505, Charlotte, NC, 28262-3383 | 7.8 | |
| Travelers | Pegram Mitchell Insurance Agency | 4456-B The Plaza, Charlotte, NC, 28215 | 4.1 | |
| Allstate | Keith M. Franklin | 818 Tyvola Rd Ste 102, Charlotte, NC, 28217 | 4.1 | |
| Travelers | Aac Insurance Group | 4801 E Independence Blvd #102, Charlotte, NC, 28212 | 3.9 | |
| State Farm | David Mcduffie | 8037 Corp Ctr Dr Ste 200, Charlotte, NC, 28226-4550 | 6.9 | |
| Nationwide | Michael Y. Baucom | 300 E Phifer St, Monroe, NC, 28110-3039 | 21.9 | |
| Allstate | Kenneth Mosteller | 2591 E Main St Ste 101, Lincolnton, NC, 28092 | 28.5 | |
| Nationwide | Michael Y. Baucom | 300 E John St Suite 150, Matthews, NC, 28105-4939 | 8.9 | |
| Liberty Mutual Independent | Carolina Underwriters And Financial Group | 2509 Plantation Center Dr, Matthews, NC, 28105 | 10.1 |
Compare Rates for Charlotte, NC Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| North Carolina | $161,000 | $894 | $620 | $1,280 | $660 |
| Mecklenburg County, NC | $203,900 | $998 | $720 | $1,430 | $710 |
| Charlotte, NC | $187,300 | $947 | $650 | $1,310 | $660 |
| Mecklenburg County, NC | $203,900 | $998 | $670 | $1,380 | $710 |
| Pineville, NC | $183,100 | $816 | $560 | $1,170 | $610 |
| Stallings, NC | $227,500 | $790 | $540 | $1,130 | $590 |
| Kannapolis, NC | $130,300 | $746 | $510 | $1,070 | $560 |
| Enochville, NC | $115,500 | $701 | $470 | $960 | $490 |
| Coddle Creek, NC | $189,500 | $834 | $610 | $1,150 | $540 |
| Buford, NC | $161,600 | $753 | $530 | $1,050 | $520 |
| Steele, NC | $123,300 | $738 | $510 | $1,040 | $530 |
| Earl, NC | $105,100 | $650 | $470 | $930 | $460 |
| Uwharrie, NC | $155,600 | $873 | $620 | $1,240 | $620 |
Research Home Insurance Companies Reviews in Charlotte, NC Before Buying | Back to Top
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State Farm Home Insurance Reviews
Date: January 16, 2020 Age: 20 to 29 Gender: Male Marital Status: Married
Date: December 12, 2018 Age: Above 60 Gender: Female Marital Status: Married
Date: November 29, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: November 19, 2018 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Date: October 18, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Date: September 15, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Date: August 07, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Date: August 03, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Date: May 10, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Date: November 19, 2017 Age: 20 to 29 Gender: Female Marital Status: Married
Allstate Home Insurance Reviews
Date: April 01, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Date: February 11, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Date: September 11, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Date: August 13, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: July 24, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Date: June 05, 2018 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Date: January 13, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Aetna Home Insurance Reviews
Date: September 13, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Date: August 16, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Date: August 05, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Date: July 28, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Date: July 26, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Farmer's Insurance Home Insurance Reviews
Date: July 14, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Date: October 02, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: October 01, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Date: August 17, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
GEICO Home Insurance Reviews
Date: August 16, 2019 Age: 30 to 39 Gender: Male Marital Status: Married