Get Currie, NC Home Insurance Rates!
If you are looking for a new homeowners insurance policy in Currie, NC or are just shopping for a lower North Carolina home insurance premium, we are here to help. Our website can help you compare up to 12 competitive rate quotes based on price and coverage options.
We only work with top-rated carriers in Currie who offer robust coverage at an affordable price. We will help you make sure your home is fully protected.
Our site can help you shop a wide variety of insurers quickly and easily. Let us help you review and compare Currie home insurance rates today, enter your zip code above to start a free online quote or give us a call now at 1-866-918-3404.
A Few Facts about Currie, NC Home Insurance Rates
Home insurance cost around $1,119 per year on average in the Currie area based on a basic HO-3 homeowner coverage policy including owner-occupied dwelling and a single family unit. To help you compare your average premium, you can see that the national home insurance average is around $1,311.
While insurance rates in Currie are already pretty affordable, we help you compare rates and coverage options from other insurers so you can find the best rate and policy for your home. Our site can help you save up to 40% or more on your premium while making sure you are fully covered.
While other sites may pair you with lesser known insurance companies that come with reduced coverages levels, we only shop national insurers that offer high quality policies at affordable prices. Our free shopping process allows you to view all the enhanced coverage features, deductible options plus home insurance discounts to make sure you are fully covered at a reasonable price.
Home prices in Currie and coverage options
In addition to lower than average insurance rates, homes in Currie are very affordable with the median price for a home coming in at around $98,500. Homeowners insurance offers a variety of coverages that can protect all aspects of your home and property.
Here is a quick overview of the various coverages included in a standard homeowners policy:
Dwelling: This portion of your homeowners policy covers the structure of your home against covered perils. This coverage pays to rebuild or repair your home if it is damaged or destroyed. It is important to remember that dwelling coverage typically excludes flood damage so if you are in a high-risk area, you will need a separate flood insurance policy to be fully protected. For flood insurance only in Currie, NC, please call us at 888-620-1954!
Personal Property: Your homeowners policy will protect your personal property under this section of the policy. Personal property coverage is typically capped at 50% of your dwelling coverage. This means that if you are carrying $250,000 in coverage on your home, your personal property coverage will be capped at around $125,000.
It is always a good idea to keep an inventory of your personal possessions. There are numerous apps that help make this tedious task easier.
Liability: This portion of the policy protects you if a person is injured at your home. It will help cover their medical bills as well as lost wages and funeral costs if necessary. It will also help pay your legal bills if your injured guest decides to sue you.
In addition, the property liability section of your policy will pay for damage you do to another person’s property. As an example, if your child puts a baseball through the neighbor’s window, your liability coverage will pay to replace the window.
Loss of Use: This coverage will help pay bills that you incur if you are not able to live in your home after it is damaged by a covered peril. As an example, if your home burns to the ground you may have to move into a hotel or rental while it is being rebuilt. This coverage will help cover bills such as the hotel, restaurant, and even dry cleaning.
Flood and Earthquake coverage: As mentioned above, a standard homeowners policy excludes coverage for flood and earthquake damage. If your home is at risk of flooding or earthquake damage you will need to purchase a separate policy to be fully protected.
Ready to start shopping for a new policy? Simply enter your zip code above, complete the home details application and we will shop a variety of insurance companies to help you find the best coverage at an affordable premium.
Compare Homeowners Insurance Rates in Currie, NC!
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Currie, NC Insurance Carriers
With over 20 years of North Carolina home insurance coverage and quoting experience, we enjoy helping customer find the best rate and coverage options for your home in Currie, NC. Our new carrier platform includes quick rates from the very best insurance companies, like Liberty Mutual, Safeco Insurance, Tower Hill, ShoreOne, Kind Group Underwriting, AIG, Chubb, Travelers, National General, Heritage Insurance and the North Carolina Joint Underwriting Association (NCJUA) for wind and hail insurance policies. Getting the best insurance rates with the right insurance company is key to protecing your most valuable investment, your Currie home. Let us help you shop the best North Carolina home insurance rates and coverages today!
Average Rates Nearby Currie
Are you looking for homeowners insurance in a city near Currie? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!
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Home Insurance Rates by Zipcode in Currie, NC
Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Currie.
Currie, NC Home Insurance Average Premiums
$571 /yr.
For the city of Currie, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.
| Coverage Amount: | Annual Premium |
|---|---|
| 1800 sq. ft. or below (discounts applied) | $571 /yr. |
| Average Coverage: | $821 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1121 /yr. |
What is the average home insurance cost for a home in Currie, NC?
- • The average homeowners insurance premium paid annually for a home in Currie is around $821 per year.
What does it cost on average per month for home insurance in Currie, NC?
- • Homeowners in Currie pay an average cost per month around $68.00 for insurance coverage.
Currie, NC Coastal Wind, Hail & Flood Information
Currie is located in a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.
Flood Zone Notice: The beautiful coastal city of Currie is know for it's beautiful beaches and waterways. Because Pender County (FIPS: 37141) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Currie, NC.
Coastal NC Home Insurance Information:
Currie, NC - 2023 Housing Information
| Month | Current Home Value (2023) | Last Year Home Value (2022) |
|---|---|---|
| January | $212,639 | $190,187 |
| February | $211,500 | $194,520 |
| March | $211,450 | $200,927 |
| April | $213,112 | $206,607 |
Homeowners insurance will help cover the cost to repair or replace your Currie home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:
- Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Currie
- Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
- Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
- Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
- Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.
Get up to 12 competitive Currie, NC homeowners insurance rates all in one place! |
Saving Money Tips on Currie Home Insurance
A great way to save money on Currie homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:
- Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
- Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
- Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
- Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.
Are you shopping for the best rate near or wihin the Currie area? Check out what homeowners are paying on average for North Carolina homeowners insurance.
Elevation Review for Coastal Wind or Flooding Risk
| Elevation | Details | Homeowners Tips |
|---|---|---|
| 2 ft. | This is the average home elevation in Currie, NC | » Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Currie, North Carolina. A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home. Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy. It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas. |
To get online quotes on your home and compare rates on home insurance premiums in Currie, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Pender County.
North Carolina Homeowners Insurance News & Information
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North Carolina Coastal Home Insurance Rates Posted on Friday 29th March, 2024
North Carolina is a fantastic place to live with plenty of cultural activities, beautiful beaches, world-class cities as well as great restaurants and shopping. The only disadvantage to living in North Carolina, particularly if your home is located in coastal area is the cost of homeowners insurance. The average premium for a standard homeowners insurance […]
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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%. […]
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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 […]
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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, […]
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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, […]
Currie, NC Dwelling Coverage Estimate
It is important to calculate your dwelling coverage for your home in Currie so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.
Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.
What is the average replacement cost coverage in Currie, NC?
- The average square footage in Currie is around 730 Sq. Ft. which would cost you around $98,500 to replace the home if you base the home on the price to build per square foot of $135.
Minimum Replacement Cost Total: $98,500
Location: Currie, North Carolina (Pender County)
Average Building Cost Per Square Foot in Currie: $135 (low end)
Average Square Footage in Currie: 730 Sq. Ft.
| Home Improvement Status | Price per Sq. Ft. | Dwelling Coverage |
|---|---|---|
| None or Very Minor Improvements | $135 | $98,500 |
| Some Additional Upgrades | $169 | $123,125 |
| Major Home Updates or Advancements | $203 | $147,750 |
The dwelling coverage is calculated by the average cost per square foot ($135) in Currie, North Carolina times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $421,875 (Media price to build of $169 x 2500 sq. ft.) to cover the cost to rebuild your new home.
What is the difference between actual cash value and replacement cost value?
Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:
Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.
Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.