Avon, NC Home Insurance Quotes!

Did you know Avon, NC homeowners are now finding easier ways to compare home insurance rates online. At GetHomeInsuranceQuotes.com, we provide superior serice when it comes to taking care of your insurance needs. Our online quoting application process has been trusted by thousands of homeowners like you who want a quick way to review and compare rates without any hassle. Our North Carolina licensed homeowners insurance professionals are here to help you compare multiple options and our convenient service allows us to answer the questions that you need to get the right coverage at the most affordable price. We provide the best rates from up to 12 different carriers that are all highly rated by A.M Best and we shop the policy with you so you know which Avon insurance policy is best for you. Start your quote today by entering your Avon zip code for the home you would like to insure!

Facts About Avon North Carolina

The city of Avon North Carolina currently has 1,554 residents that call it home. This number translates into 361 households in the area and each household has about 3 people. The median household income is $26,652, which is very close to the national median and home prices in Avon average $204,100 making it a very affordable city to buy a house.

Homeowners Insurance Rates in Avon

Average Avon home insurance rates is around $794 per year, for homes smaller than 1,800 square feet in replacement cost value coverage you could see rates as low as $544 /yr. with discounts applied. For up scale homes this area over 1,800 sq. ft in Avon, you may see higher rates in the $1094 range due to much higher dwelling coverage.

When it comes to homeowners insurance there are a number of different types that are designed to cover the specific type of housing you call home. The following insurance types are available in Avon and across the country:

Compare Homeowners Insurance Rates in Avon, NC!

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Avon, NC Insurance Carriers

With over 20 years of North Carolina home insurance coverage and quoting experience, we enjoy helping customer find the best rate and coverage options for your home in Avon, NC. Our new carrier platform includes quick rates from the very best insurance companies, like Liberty Mutual, Safeco Insurance, Tower Hill, ShoreOne, Kind Group Underwriting, AIG, Chubb, Travelers, National General, Heritage Insurance and the North Carolina Joint Underwriting Association (NCJUA) for wind and hail insurance policies. Getting the best insurance rates with the right insurance company is key to protecing your most valuable investment, your Avon home. Let us help you shop the best North Carolina home insurance rates and coverages today!

Average Rates Nearby Avon

Are you looking for homeowners insurance in a city near Avon? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Avon, NC

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Avon.

27915,     

Avon, NC Home Insurance Average Premiums

$544 /yr.

For the city of Avon, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

What is the average home insurance cost for a home in Avon, NC?

What does it cost on average per month for home insurance in Avon, NC?

Avon, NC Coastal Wind, Hail & Flood Information

Avon is located in 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 NC Home Insurance Information:

Avon, NC - 2023 Housing Information

Homeowners insurance will help cover the cost to repair or replace your Avon home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

Get up to 12 competitive Avon, NC homeowners insurance rates all in one place!

Saving Money Tips on Avon Home Insurance

A great way to save money on Avon homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

Are you shopping for the best rate near or wihin the Avon area? Check out what homeowners are paying on average for North Carolina homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

» Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Avon, North Carolina.

A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home. Call Now for Flood Insurance Quotes: 888-620-1954!

Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy.

It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas.

To get online quotes on your home and compare rates on home insurance premiums in Avon, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Dare County.

North Carolina Homeowners Insurance News & Information

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 […]

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%. […]

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 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, […]

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, […]

Avon, NC Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Avon so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Avon, NC?

- The average square footage in Avon is around 1,512 Sq. Ft. which would cost you around $204,100 to replace the home if you base the home on the price to build per square foot of $135.

Minimum Replacement Cost Total: $204,100

Location: Avon, North Carolina (Dare County)

Average Building Cost Per Square Foot in Avon: $135 (low end)

Average Square Footage in Avon: 1,512 Sq. Ft.

The dwelling coverage is calculated by the average cost per square foot ($135) in Avon, North Carolina times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $421,875 (Media price to build of $169 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.

Avon, NC Home Insurance Quotes!

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