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

Orange County, NC Homeowners Insurance Quotes

If you would like to compare rates and save up to 40% or more on your Orange County, NC homeowners insurance, then you can easily comparison shop with us. GetHomeInsuranceQuotes.com provides multiple coverage options to choose from so you are not limited to one company, quote or coverage. In just a few minutes you can get multiple quotes from some of the top-rated home insurance companies in Orange County. Our licensed agents are ready to help you review and compare the best coverage option for you and your family. The consultation process is free and only takes a few minutes. We give you the option to compare rates online or over the phone. Best of all we can compare up to 12 top rated carriers that are most competitive for homeowners living in Orange County, North Carolina.

Average Premiums in Orange County, NC

Residents living within Orange County, NC are currently paying around $93.25 per month for a standard homeowners 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 provider. This is why a large volume of homeowners are now shopping online in Orange County, NC to help them find cheaper rates with enhanced coverage protection. It's important to know that your HO-3 policy, much like an HO-2 policy will ususally cover windstorms, lightning and fire damage. Your current coverage may not be protecting you from flooding, wind and hail damage, hurricanes or earthquakes. Getting the right coverage protection for your home takes some time to review the best insurance carrier for you. Would you like to easily compare up to 12 home insurance companies and let us help you lock in the a great rate with the protect you need? We look forward to working with you and providing a excellent home insurance shopping experience. Enter your zip code to start your free online quoting process or give us a call now.

For all Orange 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 Orange 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.

Orange County, NC Housing Demographics

With 133,801 residents living within the Orange County area there are over 55,597 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 30,659 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 Orange County.

DemographicValues
Total Occupied Households51,457
Family Households (families)30,659
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units55,597

Orange County, NC Home Insurance Average Premiums

Local Orange, 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 Orange 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 Orange 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 Orange 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 Orange 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.

Orange County Housing & Real Estate Data

Details:Statistics
Total Housing Units55597
Occupied Housing Units51457
Vacant Housing Units4140
Vacant Housing Units for Rent1732
Vacant Housing Units Rented Not Occupied96
Vacant Housing Units For Sale631
Vacant Housing Units Sold Not Occupied150
Vacant Housing Units For Seasonal Occasional Use381
Vacant Housing Units All Other Vacants1150
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent8
Housing Tenure Occupied Units51457
Housing Tenure Occupied Units Owner Occupied30930
Housing Tenure Occupied Units Owner Occupied Population79113
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied20527
Housing Tenure Occupied Units Renter Occupied Population45131
Housing Tenure Occupied Units Renter Occupied Average Household Size2