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Gates County, NC Homeowners Insurance Quotes

You may find it interesting that Gates County, NC home insurance rates on average are around $93.25 per month for a basic policy. In North Carolina, your premium right now could be in the average range of $1119 per year, this estimate is based on an HO-3 homowners insurance type which may include the minimum coverage required by your mortgage company. Because rates have increased, we can easily help you save more money on your homeowners insurance while also assisting you in review which coverage option is best for you. It is a good financial decision to choose a great carrier with enhanced coverage options that may be not the cheapest rate but the best protection for your home in Gates County.

Comparison shopping online for home insurance in North Carolina is easy and hassle free with our easy to use online quoting application. We can help you review top carriers, affordable rates and enhanced coverage options all in one place. You might also like to know that our enhanced coverage option features better coverage for your home when you need it the most. Cheaper insurance rates have low coverage details written within the policy that you may not have read clearly enough. Don't wait until it is too late, you want an insurance provider you can trust and depend on, especially when you have taken on a loss and need to be refunded for damages. Let us help you shope and compare Gates County, NC quotes today!

For all Gates 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 Gates 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.

Gates County, NC Housing Demographics

With 12,197 residents living within the Gates County area there are over 5,208 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 3,398 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 Gates County.

DemographicValues
Total Occupied Households4,665
Family Households (families)3,398
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units5,208

Gates County, NC Coastal Wind, Hail & Flood Information

For all homeowners living in Gates County (FIPS: 37073), it's important to understand that this county is in a coastal area and has great risk of damage due to hurricanes, windstorms, hail and flooding. The wind and hail insurance program provided through the state of North Carolina is the states opportunity to help provide additional wind/hail coverage when insurance companies exclude it from homeowners and other policies sold to coastal residents. You can buy wind and hail insurance coverage through us and we will shop multiple companies to package the best coverage option for you. If you are shopping for quotes in Gates County, NC, it's important that you look into hurricane and windstorm insurance options.

Gates County boarders a shoreline which increases the risk of wind, hail and flood damage. We will look into providing the best rates possible considering your home is located in the coastal area of North Carolina.

Helpful Articles:

Gates County, NC Home Insurance Average Premiums

Local Gates, 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.

Gates County, NC Coastal Wind, Hail & Flood Information

Gates is 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 county of Gates is know for it's beautiful beaches and waterways. Because Gates County (FIPS: 37073) 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 Gates County.

Coastal Gates County Home Insurance Information:

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 Gates 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 Gates 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 Gates 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 Gates 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.

Gates County Housing & Real Estate Data

Details:Statistics
Total Housing Units5208
Occupied Housing Units4665
Vacant Housing Units543
Vacant Housing Units for Rent62
Vacant Housing Units Rented Not Occupied12
Vacant Housing Units For Sale68
Vacant Housing Units Sold Not Occupied31
Vacant Housing Units For Seasonal Occasional Use68
Vacant Housing Units All Other Vacants302
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent7
Housing Tenure Occupied Units4665
Housing Tenure Occupied Units Owner Occupied3806
Housing Tenure Occupied Units Owner Occupied Population9908
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied859
Housing Tenure Occupied Units Renter Occupied Population2228
Housing Tenure Occupied Units Renter Occupied Average Household Size3