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Rutherford County, NC Homeowners Insurance Quotes
If you would like to compare rates and save up to 40% or more on your Rutherford 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 Rutherford 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 Rutherford County, North Carolina.
Average Premiums in Rutherford County, NC
Residents living within Rutherford 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 Rutherford 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 Rutherford 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.
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Are you looking for a homeowners insurance quote in Rutherford 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.
Rutherford County, NC Housing Demographics
With 67,810 residents living within the Rutherford County area there are over 33,878 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 18,832 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 Rutherford County.
Demographic | Values |
---|---|
Total Occupied Households | 27,466 |
Family Households (families) | 18,832 |
Average Owner Occupied Household Size | 2 |
Average Family Size | 3 |
Total Housing Units | 33,878 |
Rutherford County, NC Home Insurance Average Premiums
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 Rating | Annual Premium |
---|---|
Minimum Range: | $644 /yr. |
Current Average Cost: | $901 /yr. |
Maximum Range: | $1193 /yr. |
North Carolina Homeowners Insurance News & Information
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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, […]
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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 […]
Discounts For Homeowners in Rutherford 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 Rutherford 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 Rutherford 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 Rutherford 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.
Rutherford County Housing & Real Estate Data
Details: | Statistics |
---|---|
Total Housing Units | 33878 |
Occupied Housing Units | 27466 |
Vacant Housing Units | 6412 |
Vacant Housing Units for Rent | 1107 |
Vacant Housing Units Rented Not Occupied | 70 |
Vacant Housing Units For Sale | 543 |
Vacant Housing Units Sold Not Occupied | 173 |
Vacant Housing Units For Seasonal Occasional Use | 2689 |
Vacant Housing Units All Other Vacants | 1830 |
Housing Units Homeowner Vacancy Rate Percent | 3 |
Housing Units Rental Vacancy Rate Percent | 13 |
Housing Tenure Occupied Units | 27466 |
Housing Tenure Occupied Units Owner Occupied | 19769 |
Housing Tenure Occupied Units Owner Occupied Population | 48312 |
Housing Tenure Occupied Units Owner Occupied Averge Household Size | 2 |
Housing Tenure Occupied Units Renter Occupied | 7697 |
Housing Tenure Occupied Units Renter Occupied Population | 18275 |
Housing Tenure Occupied Units Renter Occupied Average Household Size | 2 |