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

Halifax County, NC Homeowners Insurance Quotes

Comparison shopping for homeowners insurance in Halifax County, NC just got easier with our quick online quoting application. If you simply enter in the basic details of your home, we can shop and compare up to 12 competitive home insurance rate quotes for you. The process is that easy, and we can help you apply any additional home insurance discounts and credits to help you save more on your premium. We also can provide multi-line services to help enhance the coverage and reduce the monthly expenses on your auto insurance. If you combine your home and auto together we can help you apply for additional savings. But first, we will help you review which home insurance policy is best for you for your home in Halifax County.

Average Home Insurance Rates in Halifax County, NC

Halifax County, NC homeowners are currently paying around $93.25 per month for a standard HO-3 homeowners insurance policy. In North Carolina, your premium 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. This is why a large volume of homeowners are now shopping online in Halifax County, NC to help them discover cheaper rates with better coverage protection. A standard homeowners policy will help protect you against windstorms, lightning strikes and fire damage. Our process helps you review additional coverage due to risks like flooding, wind and hail, hurricanes and even earthquakes. Use our shopping service and get a new homeowners insurance policy today with the additional savings, just enter your zip code to get started.

For all Halifax 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 Halifax 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.

Halifax County, NC Housing Demographics

With 54,691 residents living within the Halifax County area there are over 25,781 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 14,533 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 Halifax County.

DemographicValues
Total Occupied Households21,970
Family Households (families)14,533
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units25,781

Halifax County, NC Coastal Wind, Hail & Flood Information

For all homeowners living in Halifax County (FIPS: 37083), 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 Halifax County, NC, it's important that you look into hurricane and windstorm insurance options.

Halifax County, NC Home Insurance Average Premiums

Local Halifax, 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.

Halifax County, NC Coastal Wind, Hail & Flood Information

Halifax 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.

Coastal Halifax 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 Halifax 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 Halifax 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 Halifax 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 Halifax 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.

Halifax County Housing & Real Estate Data

Details:Statistics
Total Housing Units25781
Occupied Housing Units21970
Vacant Housing Units3811
Vacant Housing Units for Rent769
Vacant Housing Units Rented Not Occupied38
Vacant Housing Units For Sale269
Vacant Housing Units Sold Not Occupied95
Vacant Housing Units For Seasonal Occasional Use759
Vacant Housing Units All Other Vacants1881
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent9
Housing Tenure Occupied Units21970
Housing Tenure Occupied Units Owner Occupied14068
Housing Tenure Occupied Units Owner Occupied Population33977
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied7902
Housing Tenure Occupied Units Renter Occupied Population19298
Housing Tenure Occupied Units Renter Occupied Average Household Size2