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.

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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

Bundle your Durham, NC Auto & Home Insurance from the Same Company | Back to Top

Durham, NC Car Insurance Durham, NC Home Insurance
Details Ford, Mustang 2 Beds, 1 Baths, 1240 Square Feet worth $154000
Insurance Rates Individually $1,064.66 $5160
Savings from buying both from the same company $871.45

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

Compare Quotes from Top Providers and Save now!

Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
North Carolina $153,600 $680 $470 $970 $500
Durham County, NC $179,800 $740 $510 $1,050 $540
Durham, NC $179,500 $1,040 $750 $1,490 $740
Lebanon, NC $189,700 $1,100 $740 $1,570 $830
Williams, NC $381,200 $1,330 $940 $1,840 $900
Flat River, NC $134,700 $580 $420 $820 $400
Center, NC $178,800 $910 $650 $1,260 $610
Black River, NC $154,400 $830 $610 $1,180 $570
Henderson, NC $102,100 $530 $360 $760 $400
Stovall, NC $118,800 $700 $500 $960 $460
Sassafras Fork, NC $99,100 $430 $310 $610 $300
Selma, NC $126,800 $520 $360 $730 $370
Pelham, NC $93,600 $450 $320 $620 $300

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

Policy Offerings
I think our policy is very comparable to other policies and would cover us in a disaster such as flooding, fire, and more. I don't know how other companies are since we haven't used others, but I'd say ours is equal.


Date: December 02, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Premium
I haven't really compared recently premium/ deductibles. I think that my company may run a little higher but offers a real person to be there for you when you need it.

Date: October 05, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Communication
I like that they do an efficient job once on scene and have evaluated damage they quickly have it repaired within a day or so. The dislike is the two days it takes them to respond to an email or phone call and the two days scheduled out agent visit at any time within a three hour period between 9 am and 5 pm Monday through Friday.

Date: October 01, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
We haven't shopped around in years to compare the premium, we have had this policy for so long. I really believe that the same coverage is available at a comparable price if I was to shop around.

Date: September 25, 2018    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Customer Service
long holds or two days for a response on an email. typical customer service friendly agents who don't know you and are not local. even with account number I still need to verify about every demographic and contact information which is very frustrating.

Date: September 21, 2018    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Communication
Any time I've chatted with my representative or with customer service online, it's been a breeze actually. They are trained, I think, to be good at putting the customer at ease with their problem. I give them an A+ with communication.

Date: September 11, 2018    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Website/App
We have never used the mobile app, only the laptop/desktop website. We like that we can view our complete policy online, pay online and ask questions directly to our provider online. It is easily laid out, clear wording, only 5 tabs at the top so that navigation is easy.

Date: September 04, 2018    Age: 50 to 59    Gender: Female    Marital Status: Married

Customer Service
I use the customer service chat option online, I love that. No waiting in line (time-wise) for the most part. Once I'm signed into our account online and I start the chat with customer service, I don't have to re-give them my information, because they already know who I am. I love that.

Date: August 25, 2018    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Premium
Due to our house being recently built I do believe our premium is at it's best. It's is annoying being so young and paying so much each year, but I do understand why. Other companies offered different rate with higher premiums and less coverage. after choosing through the top three name brands State farm is what we decided to go with.

Date: August 15, 2018    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Policy Offerings
Our home is covered by an agreed value flat rate policy, it is what we thought best when shopping for insurance. It pays out the flat rate no matter how the damage to the home happened.


Date: August 09, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Policy Offerings
Our insurance plan covers any damage to the house court yard or garage that is detachted from the house. Our plan covers any issue from flood to fire to paint broken A/C heater or structure damage due to natural disaster.


Date: December 22, 2017    Age: 20 to 29    Gender: Male    Marital Status: Married

Website/App
The app is awful. It does not have much information on it and seems to mainly be designed for online bill paying and not many else.you can email an agent, but no direct phone link or photo upload just your account information, have an agent get back to you and pay your bill.

Allstate Home Insurance Reviews

Date: December 25, 2018    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Premium
I am mostly happy with the premium that I pay with Allstate. It might be a little bit high, but I am willing to pay extra for the great service.

Date: September 12, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Website/App
It is a bit difficult to navigate sometimes. The app redirects you often and takes a while to find what you are looking for. Easy to use if you just want to pay your bill.

Date: August 27, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Communication
All questions were answered promptly in a courteous manner. They made sure I understood the process and how everything would be handled.

Date: August 05, 2018    Age: 50 to 59    Gender: Female    Marital Status: Married

Premium
I suppose I am pretty happy. I have not compared offers or rates against other companies, however. I feel like what I am paying is fair.

Date: July 30, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Policy Offerings
Dwelling Protection - with Building Structure Reimbursement Extended Limit, Personal Property Protection Reimbursement Provision, Additional Living Expenses, Family Liability Protection, Guest Medical Protection


Date: December 22, 2017    Age: 40 to 49    Gender: Male    Marital Status: Married

Customer Service
I was completely shocked by how easy it was to receive a new roof. The claim was handled quickly and very professionally. I received the check in a matter of days after the adjuster came out to inspect the roof.

Universal Property & Casualty Insurance Company Home Insurance Reviews

Date: December 31, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
I don't think my insurance company offers anything other companies don't. I only use them because they were the default company when we purchased our home and the premiums were reasonable. The only plus I can see is that they are local so I'm not dealing with a big company like Allstate or State Farm.


Date: September 22, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Communication
The only communication we have had with Universal Property is the annual statement they send out & the web site I mentioned above. I am satisfied with both interactions.

Date: September 14, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Website/App
TO be honest, I had no idea if my insurance company had a web presence (they don't have an app) until this survey. So I went & checked them out & signed up for the web access. It seems to be ok, & it has all the information (with more detailed help) that my printed policy has. I have to say I like their web page very much.

Date: September 12, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
Our policy covers the dwelling (home itself), personal property, loss of use, personal liability, & medical payments.


Date: September 07, 2018    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Customer Service
I have not had the opportunity to engage my insurance company in any way. We have experienced two hurricanes in the last 3 years, but my home suffered no damamge.

Date: August 05, 2018    Age: Above 60    Gender: Male    Marital Status: Married

Premium
I live in Florida & we did do some research. Geico is the largest insurer in this state (both auto & homeowners) but for homeowners, Universal Property consistently has the most competitive rates for the last several years.

Erie Insurance Home Insurance Reviews

Date: September 20, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Premium
We didn't really shop around for coverage but rather bundled with our auto insurance. I think our premium is reasonable.

Date: September 15, 2018    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Website/App
The company's mobile site is easy to navigate but it doesn't allow you to make changes online for things that it should. For example, if you want to change a payment method you have to call and get them to send you a form which you can email/fax back.

Date: August 09, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Communication
They could send a little fewer letters/emails that often are tips and not related directly to our policy.

Date: July 31, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Policy Offerings
The home policy is all inclusive covering replacement to as is a condition as well as the fees to relocate during that time and flood insurance.


Date: December 03, 2017    Age: 50 to 59    Gender: Female    Marital Status: Married

Customer Service
I've only had pleasant experiences dealing with the customer service department. If they are unable to answer a question they are quick to call back once they have gathered that information.

Aetna Home Insurance Reviews

Date: March 29, 2019    Age: 50 to 59    Gender: Female    Marital Status: Unmarried

Premium
I was able to clearly see the premium based on what the deductible was. I felt that Aetna had given me the best value when I initially set up the policy.

Nationwide Home Insurance Reviews

Date: July 01, 2019    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Customer Service
Customer service is pretty good. Can usually get any questions or issues I have resolved without much wait time. Callers are always courteous and knowledgeable about the problems I have.

Liberty Mutual Home Insurance Reviews

Date: August 16, 2019    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Premium
The price was fairly good. I changed from a more expensive policy bc it was so much. I am happy with the new price and coverage.

Foremost Insurance Home Insurance Reviews

Date: November 06, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Policy Offerings
My wife and I have what's called an Agreed Value Insurance on our home, we got to choose the policy amount that will provide a total blanket coverage if anything should happen to our home due to natural disaster or a fire, etc. It is an amount of 40,000 that is paid to us that will cover the dwelling and it's contents.


GEICO Home Insurance Reviews

Date: January 01, 2019    Age: 20 to 29    Gender: Male    Marital Status: Married

Premium
GEICO is by far the best company for home and auto insurance near me. Their customer service is immaculante and they offer some of the best discounts around for new and long standing customers.

Amica Mutual Insurance Home Insurance Reviews

Date: November 17, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Customer Service
amica is a home insurance company.. it provides many offers and discounts for loans.. i like this insurance policy

Travelers Home Insurance Reviews

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