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

Scotland County, NC Homeowners Insurance Quotes

Shopping online for home insurance rates in Scotland County is much easier and faster with our online quoting application. We can provide the most affordable premiums and coverage options while comparing up to 12 top insurance providers to help you find the best homeowners policy for you and your family in North Carolina.

For Scotland County NC homeowners, it's important to know your home is protected from hurricanes, lightning and home fires. With our enhanced coverage option process, we can help you get the added coverage you need in case of flooding issues, wind or hail damage and so much more.

Scotland County Home Insurance Rates

Scotland County, NC homeowners insurance is now costing homeowners around $93.25 per month for a basic homeowners policy. For North Carolina residents, this amounts to $1119 per year for homeowners living in Scotland County, NC. In comparison, the national average for home insurance rates costs around 1,249 per year. North Carolina is ranked #32 in the country for the highest home insurance rates. Would you like to get up to 12 free competitive home insurance quotes for your home in Scotland County, NC? We can help you save up to 40% or more on these average rates. If this interest you, we look forward to working with you and providing an excellent home insurance shopping experience. Just enter your zip code to start the online quoting process, it only takes a minute and we will present the top rates and coverage options for you.

For all Scotland 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 Scotland 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.

Scotland County, NC Housing Demographics

With 36,157 residents living within the Scotland County area there are over 15,193 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 9,393 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 Scotland County.

DemographicValues
Total Occupied Households13,614
Family Households (families)9,393
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units15,193

Scotland County, NC Coastal Wind, Hail & Flood Information

For all homeowners living in Scotland County (FIPS: 37165), 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 Scotland County, NC, it's important that you look into hurricane and windstorm insurance options.

Scotland County, NC Home Insurance Average Premiums

Local Scotland, 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.

Scotland County, NC Coastal Wind, Hail & Flood Information

Scotland 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 Scotland 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 Scotland 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 Scotland 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 Scotland 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 Scotland 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.

Scotland County Housing & Real Estate Data

Details:Statistics
Total Housing Units15193
Occupied Housing Units13614
Vacant Housing Units1579
Vacant Housing Units for Rent518
Vacant Housing Units Rented Not Occupied24
Vacant Housing Units For Sale153
Vacant Housing Units Sold Not Occupied52
Vacant Housing Units For Seasonal Occasional Use141
Vacant Housing Units All Other Vacants691
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent10
Housing Tenure Occupied Units13614
Housing Tenure Occupied Units Owner Occupied8678
Housing Tenure Occupied Units Owner Occupied Population22179
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied4936
Housing Tenure Occupied Units Renter Occupied Population12248
Housing Tenure Occupied Units Renter Occupied Average Household Size2