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Harnett County, NC Homeowners Insurance Quotes

If you shopping for home insurance for your property located in Harnett 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 Harnett 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 Harnett 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 Harnett County NC. Simply give us a call now at 1-866-918-3404

For all Harnett 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 Harnett 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.

Harnett County, NC Housing Demographics

With 114,678 residents living within the Harnett County area there are over 46,731 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 29,726 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 Harnett County.

DemographicValues
Total Occupied Households41,594
Family Households (families)29,726
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units46,731

Harnett County, NC Home Insurance Average Premiums

Local Harnett, 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

  • North Carolina Joint Underwriters and Wind Pool Map Explained Posted on Wednesday 5th June, 2024

    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, Sunset Beach, Oak Island Beach, Calabash, Bald Head Island, […]

  • 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 […]

  • 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 […]

Discounts For Homeowners in Harnett 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 Harnett 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 Harnett 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 Harnett 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.

Harnett County Housing & Real Estate Data

Details:Statistics
Total Housing Units46731
Occupied Housing Units41594
Vacant Housing Units5137
Vacant Housing Units for Rent1808
Vacant Housing Units Rented Not Occupied77
Vacant Housing Units For Sale829
Vacant Housing Units Sold Not Occupied151
Vacant Housing Units For Seasonal Occasional Use267
Vacant Housing Units All Other Vacants2005
Housing Units Homeowner Vacancy Rate Percent3
Housing Units Rental Vacancy Rate Percent12
Housing Tenure Occupied Units41594
Housing Tenure Occupied Units Owner Occupied27817
Housing Tenure Occupied Units Owner Occupied Population73377
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied13777
Housing Tenure Occupied Units Renter Occupied Population37921
Housing Tenure Occupied Units Renter Occupied Average Household Size3