Shop multiple homeowners insurance carriers in one place providing service and consultation from a licensed Cherokee County, NC agent.

Cherokee County, NC Homeowners Insurance Quotes

If you shopping for home insurance for your property located in Cherokee County NC, we have great coverage options available at GetHomeInsuranceQuotes.com. We offer up to 12 comparison quotes from the most competitive top-rated home insurance companies available in Cherokee County. Our North Carolina agents have over 20+ years of experience and are ready to help you compare and review the most affordable homeowners policies available, including enhanced coverage options and discouts. Protecting your home in Cherokee County from hurricanes, lightning and fires is important to every homeowner. But that's not all your homeowners policy should be limited to so ask our agents which carrier and coverage option is best for you.

You might like to know that the average home insurance rate for the state of North Carolina is $1119 a year. That's $93.25 a month in homeowners insurance cost. We can certainly help you save up to 40% or more by applying all the available discounts and credits, plus shopping your coverage with up to 12 different home insurance providers that currently have competitive rates in Cherokee County NC. Simply give us a call now at 1-866-918-3404

For all Cherokee County, NC residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Cherokee County? Simply enter your zip code to get your North Carolina homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Cherokee County, NC Housing Demographics

With 27,444 residents living within the Cherokee County area there are over 17,515 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 8,094 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Cherokee County.

DemographicValues
Total Occupied Households11,753
Family Households (families)8,094
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units17,515

Cherokee County, NC Home Insurance Average Premiums

Local Cherokee, NC homeowners insurance quotes comparison

$901 /yr.

North Carolina's Average Home Insurance Rates Overall

For the state of North Carolina, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 32 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$644 /yr.
Current Average Cost:$901 /yr.
Maximum Range:$1193 /yr.

North Carolina Homeowners Insurance News & Information

  • NC Residents Speak Against 42% Rate Increase Requested by Rate Bureau Posted on Tuesday 13th February, 2024

    During a recent public comment session held by the North Carolina Department of Insurance, dozens of North Carolina residents spoke out against an average rate increase of 42% that the North Carolina Rate Bureau is requesting.  The Rate Bureau represents insurance companies in the state and earlier this year requested average rate increases of 42%. […]

  • North Carolina: 2024 Homeowners Insurance Rate Increase Proposed Posted on Friday 19th January, 2024

    Recently, the North Carolina Rate Bureau requested that the N.C. Department of Insurance allow increases to homeowners’ insurance rates by an average of 42.2 percent. If the NCDOI agrees, the proposed rates will go into effect Aug. 1. However, it is also possible that the NCDOI will not agree to the increase and deny the […]

  • North Carolina Joint Underwriters and Wind Pool Map Explained Posted on Thursday 28th December, 2023

    North Carolina is a lovely state to call home. Our state is packed with beautiful cities, museums, restaurants and of course, some of the loveliest beaches in the country. Unfortunately, if you live in one of our amazing coastal southern cities such as Ocean Isle Beach, Holden Beach, Oak Island Beach, Calabash, Bald Head Island, […]

  • 2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023

    The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies.  Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]

Discounts For Homeowners in Cherokee County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your North Carolina homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Cherokee County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Cherokee County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Cherokee County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Cherokee County Housing & Real Estate Data

Details:Statistics
Total Housing Units17515
Occupied Housing Units11753
Vacant Housing Units5762
Vacant Housing Units for Rent368
Vacant Housing Units Rented Not Occupied24
Vacant Housing Units For Sale547
Vacant Housing Units Sold Not Occupied45
Vacant Housing Units For Seasonal Occasional Use3669
Vacant Housing Units All Other Vacants1109
Housing Units Homeowner Vacancy Rate Percent6
Housing Units Rental Vacancy Rate Percent13
Housing Tenure Occupied Units11753
Housing Tenure Occupied Units Owner Occupied9381
Housing Tenure Occupied Units Owner Occupied Population21580
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied2372
Housing Tenure Occupied Units Renter Occupied Population5428
Housing Tenure Occupied Units Renter Occupied Average Household Size2