How Can I Make My Durham, NC Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Durham, NC covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your Durham, NC Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $56,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $121,000 | $110,000 | $100,000-$125,000 |
| 3 Bedroom | $199,000 | $180,000 | $200,000-$250,000 |
| 4 Bedroom | $161,500 | $130,000 | $175,000-$200,000 |
| 5 Bedroom | $333,500 | $290,000 | $350,000-$400,000 |
Estimate your Savings with Home Insurance Discounts in Durham, NC | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$175 | $796 |
| Superior Protection Discount | -$87 | $883 |
| Fire & Security Discount | -$87 | $883 |
| Hail Resistant Roof Discount | -$19 | $951 |
| Newly Constructed Home Discount | -$204 | $767 |
Choose your Durham, NC Home Insurance Coverage for your Specific Claim Requirement | Back to Top
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,914 |
| Physical Damage | $2,295 |
| Hail Damage | $4,806 |
| Wind Damage | $6,687 |
| Expensive Claims | |
| Fire | $46,016 |
| Smoke | $16,887 |
Identify Top Home Insurance Agents near Durham, NC | Back to Top
| Home Insurance Company Durham, NC | Homeowners Insurance Agency Durham, NC | Address | Popularity Score | Distance from Durham (miles) |
|---|---|---|---|---|
| State Farm | Michelle Carlisle | 200 Timberhill Pl Unit 202, Chapel Hill, NC, 27514-1964 | 8.6 | |
| Erie | The Caldwell Insurance Agency | 125 W Chatham Street, Cary, NC, 27511 | 15.0 | |
| Erie | The Insurance Pros Inc. | 1210 Cole Mill Road Suite 101, Durham, NC, 27705 | 4.0 | |
| State Farm | Nicole Cockerham | 1124 St Marks Church Rd, Burlington, NC, 27215-9796 | 34.7 | |
| Allstate | Raymond Collins | 1777 Fordham Blvd Ste 101, Chapel Hill, NC, 27514 | 6.5 | |
| State Farm | Debbie Leonard | 3702 Hillsborough Rd Ste 2b, Durham, NC, 27705-2953 | 4.0 | |
| Erie | Lamm Insurance Group | 8801 Fast Park Drive Suite 301, Raleigh, NC, 27617 | 9.6 | |
| State Farm | Shawn Cockerham | 5518 Nc Highway 55, Durham, NC, 27713-4473 | 6.5 | |
| State Farm | Leslie Miller | 105 W Nc Highway 54 Ste 255, Durham, NC, 27713-6648 | 5.1 | |
| Erie | High & Rubish Insurance Agency | 6015 Farrington Road Suite 101, Chapel Hill, NC, 27517 | 6.5 |
Compare Rates for Durham, 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 | $1,260 | $640 |
| Durham County, NC | $195,900 | $973 | $700 | $1,390 | $690 |
| Durham, NC | $195,000 | $971 | $710 | $1,330 | $620 |
| Lebanon, NC | $195,500 | $851 | $570 | $1,200 | $630 |
| Williams, NC | $364,400 | $1,002 | $720 | $1,380 | $660 |
| Flat River, NC | $123,000 | $684 | $490 | $950 | $460 |
| Center, NC | $233,900 | $803 | $550 | $1,100 | $550 |
| Black River, NC | $158,000 | $741 | $530 | $1,030 | $500 |
| Henderson, NC | $91,300 | $871 | $630 | $1,240 | $610 |
| Stovall, NC | $97,700 | $611 | $450 | $850 | $400 |
| Sassafras Fork, NC | $126,800 | $753 | $530 | $1,060 | $530 |
| Selma, NC | $125,100 | $694 | $500 | $990 | $490 |
| Pelham, NC | $88,300 | $560 | $400 | $800 | $400 |
Research Home Insurance Companies Reviews in Durham, NC Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: February 14, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
Date: December 02, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Date: October 05, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Date: October 01, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Date: September 25, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Date: September 21, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Date: September 11, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Date: September 04, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Date: August 25, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Date: August 15, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Date: August 09, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: December 22, 2017 Age: 20 to 29 Gender: Male Marital Status: Married
Allstate Home Insurance Reviews
Date: December 25, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Date: September 12, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Date: August 27, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Date: August 05, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Date: July 30, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Date: December 22, 2017 Age: 40 to 49 Gender: Male Marital Status: Married
Universal Property & Casualty Insurance Company Home Insurance Reviews
Date: December 31, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Date: September 22, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Date: September 14, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: September 12, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Date: September 07, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Date: August 05, 2018 Age: Above 60 Gender: Male Marital Status: Married
Erie Insurance Home Insurance Reviews
Date: September 20, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Date: September 15, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Date: August 09, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: July 31, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: December 03, 2017 Age: 50 to 59 Gender: Female Marital Status: Married
Aetna Home Insurance Reviews
Date: March 29, 2019 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Progressive Home Insurance Reviews
Date: January 03, 2020 Age: 50 to 59 Gender: Female Marital Status: Married
Nationwide Home Insurance Reviews
Date: July 01, 2019 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Liberty Mutual Home Insurance Reviews
Date: August 16, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Safeco Insurance Home Insurance Reviews
Date: December 19, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
GEICO Home Insurance Reviews
Date: January 01, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Foremost Insurance Home Insurance Reviews
Date: November 06, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Amica Mutual Insurance Home Insurance Reviews
Date: November 17, 2018 Age: 20 to 29 Gender: Female Marital Status: Married