Gavop's guide to buying homeowners insurance in Durham County, 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.
| Durham County, NC - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Ingram Ct, Blue Spruce Dr, Rolling Hill Rd, Cayman Ct, Old Red Mtn Rd, Skylane Dr, Basil Dr, Downing St, Strauss Dr, Vandalia Pl | $162,500 | $150,000 | $150,000-$175,000 | $149,000 | $130,000 | $125,000-$150,000 |
| Chin Page Rd, Tolson Dr, Fayetteville St, Willow Creek Cir, Lodestone Dr, Big Bluff Pl, Springstop Ln, Summer Ridge, Lakeshore Dr, Kerley Rd | $190,500 | $160,000 | $200,000-$250,000 | $149,500 | $130,000 | $150,000-$175,000 |
| Nita Ln, Redear Pl, Pinewood Dr, Chowan Ave, Clayton Rd, S Hi Dr, Pershing St, Front St, Station Dr, November Dr | $131,000 | $110,000 | $125,000-$150,000 | $115,500 | $100,000 | $75,000-$100,000 |
| McFarland Dr, Knox Cir, Chandellay Dr, Scholastic Cir, Oak Ridge Blvd, Stonegate Dr, Dark Cir, W Geer St, Chatsworth Way, Collegiate Cir | $346,000 | $320,000 | $300,000-$350,000 | $263,000 | $250,000 | $250,000-$300,000 |
| Long Ridge Rd, E Edgewood Dr, Wendy Way, Hillside Ave, Fire Rock Pl, Dresden Dr, Laurel Leaf Ct, Fulton St, Sedley Pl, Yorktown Ave | $236,000 | $190,000 | $200,000-$250,000 | $130,500 | $110,000 | $125,000-$150,000 |
| House Ave, Chimney Stone Rd, Old Page Rd, Cooksbury Dr, Cornell St, C View St, Stancell Dr, St James Ct, E Lynch St, S Svc Rd W | $147,500 | $120,000 | $150,000-$175,000 | $90,500 | $70,000 | $75,000-$100,000 |
| Cascade Falls Ln, Woodhall Ln, Camellia Dr, Rowemont Dr, Lane St, Victory Blvd, E Trinity Ave, Elderberry Ct, Whitley Dr, Appling Way | $127,000 | $110,000 | $125,000-$150,000 | $131,000 | $120,000 | $125,000-$150,000 |
| Sylvan Rd, Jesmond St, Catalina St, Pierce St, Leesville Blvd, Eastman Dr, Montgomery St, Tavistock Dr, Littlewood Ln, Vair St | $292,500 | $250,000 | $250,000-$300,000 | $210,000 | $190,000 | $200,000-$250,000 |
| Leyburn Pl, Guernsdel St, Stokes St, Cedar Ridge Way, Wilbon St, Barcelona Ave, Lake Vista Dr, Price Ave, Branchwood Dr, Gleewood Pl W | $106,000 | $90,000 | $100,000-$125,000 | $69,000 | $70,000 | $50,000-$75,000 |
| Celeste Cir, Arcola Ln, Taylor St, Tanglewood Dr, Audrey St, Shellbrook Ct, Sandy Creek Dr, Weyburn Rd, Trident Pl, Cobble Pl | $338,000 | $310,000 | $300,000-$350,000 | $191,000 | $150,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$156 | $818 |
| Superior Protection Discount | -$97 | $876 |
| Fire & Security Discount | -$68 | $905 |
| Hail Resistant Roof Discount | -$19 | $954 |
| Newly Constructed Home Discount | -$214 | $759 |
| 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 |
| Durham County | $2,000 | $962 | $2,962 | $699 | $2,699 | $263 |
| Durham County, NC | $2,000 | $962 | $2,962 | $699 | $2,699 | $263 |
| Triangle, NC | $300 | $786 | $1,086 | $571 | $871 | $215 |
| Carrboro, NC | $700 | $1,002 | $1,702 | $728 | $1,428 | $274 |
| Graham, NC | $300 | $644 | $944 | $468 | $768 | $176 |
| Marks Creek, NC | $700 | $706 | $1,406 | $513 | $1,213 | $193 |
| Zebulon, NC | $200 | $821 | $1,021 | $597 | $797 | $224 |
| Albright, NC | $1,000 | $884 | $1,884 | $643 | $1,643 | $242 |
| Lake Royale, NC | $400 | $942 | $1,342 | $684 | $1,084 | $257 |
| Dry Wells, NC | $1,500 | $537 | $2,037 | $391 | $1,891 | $147 |
| Liberty, NC | $100 | $688 | $788 | $500 | $600 | $188 |
| Coats, NC | $2,500 | $588 | $3,088 | $427 | $2,927 | $161 |
| Home Insurance Company Durham County, NC | Homeowners Insurance Agency Durham County, NC | Address | Popularity Score | Distance from Durham County (miles) |
|---|---|---|---|---|
| Erie | The Insurance Pros Inc. | 1210 Cole Mill Road Suite 101, Durham, NC, 27705 | 4.3 | |
| State Farm | Antonio Vela | 121 Sherron Rd Ste 106, Durham, NC, 27703-9515 | 6.3 | |
| Erie | Knox Insurance Agency Llc | 200 Meredith Drive Suite 104, Durham, NC, 27713 | 9.5 | |
| State Farm | Andy Jones | 4519 N Roxboro St., Durham, NC, 27704-1769 | 2.0 | |
| State Farm | Zonya Autmon | 2402 S Miami Blvd Ste 103, Durham, NC, 27703-4928 | 7.2 | |
| Erie | Joshua E Matthews Insurance Agency Inc. | 2144 Page Road Suite 106, Durham, NC, 27703 | 8.3 | |
| Liberty Mutual Independent | Creative Insurance Solutions | 1321 N Main St, Fuquay-Varina, NC, 27526 | 31.2 | |
| State Farm | Wesley Wilder | 100 W Main St Ste C, Youngsville, NC, 27596-9101 | 22.5 | |
| State Farm | Ashley Manuel | 5842 Fayetteville Rd Ste 112, Durham, NC, 27713-6294 | 8.6 | |
| Allstate | Ben Reece | 104 Nc Highway 54 Ste H, Carrboro, NC, 27510 | 14.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| North Carolina | $161,000 | $894 | $650 | $1,230 | $580 |
| Durham County, NC | $195,900 | $973 | $670 | $1,350 | $680 |
| Durham County, NC | $195,900 | $973 | $660 | $1,380 | $720 |
| Triangle, NC | $230,300 | $796 | $560 | $1,100 | $540 |
| Carrboro, NC | $334,500 | $1,014 | $740 | $1,410 | $670 |
| Graham, NC | $131,800 | $652 | $440 | $930 | $490 |
| Marks Creek, NC | $150,000 | $715 | $490 | $1,010 | $520 |
| Zebulon, NC | $145,000 | $831 | $570 | $1,160 | $590 |
| Albright, NC | $161,400 | $895 | $610 | $1,240 | $630 |
| Lake Royale, NC | $177,400 | $953 | $690 | $1,340 | $650 |
| Dry Wells, NC | $85,400 | $544 | $390 | $760 | $370 |
| Liberty, NC | $125,800 | $697 | $510 | $960 | $450 |
| Coats, NC | $94,600 | $595 | $400 | $840 | $440 |