Butner, NC Home Insurance Quotes!

Are you looking for affordable homeowners insurance in Butner, NC? Although price is a common factor for homeowners when it comes to shopping for a new homeowners insurance policy, the most important is dependable coverage and protection for your home and family. If you want to save money on your insurance try applying the following home insurance discounts when comparing rates, you may realize that there are additional discounts available other than smoke detectors, burglar alarm (security), and deadbolts. All of these possible discount items can help you save more money on your home insurance policy. Call 1-866-918-3404 or get a quote online and let our local Butner home insurance agent help you today!

Top 5 Important Coverage Details

Many homeowners in North Carolina are not sure what is covered under a standard homeowners insurance policy. Here are the top 5 most important coverage details that you need.

When shopping and comparing home insurance rates online, it's also very important to have all your questions answered. Which is why our quoting service provides the highest quality in customer care and free insurance consulting services. We want to help you save money, but also help you find the protect you need for your home in Butner, NC.

Home Insurance Rates in Butner

Finding lower or more affordable homeowners insurance rates in Butner is now much easier for local residents thanks to GetHomeInsuranceQuotes.com. Many homeowners often ask how their current premium ranks compared to other customers. You can now be the judge by comparing what you currently pay to average local rates, for example, the average rate in Butner is around $860 per year. Most rates vary based on replacement cost, so smaller homes less than 1700 square feet in Butner pay a lower rate around $610 per year. But most homeowners nearby pay around $72 per month for standard homeowners insurance coverage. It's important to know that these average homeowners insurance rates reflect the cost of a standard home insurance policy which includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage. Please understand that a basic homeowners insurance policy does not include flood, wind/hail or even earthquake insurance.

The best homeowners insurance coverage includes an affordable rate with outstanding coverage. At GetHomeInsuranceQuotes.com, our licensed agents can provide up to 12 home insurance estimates for you to review. And our free consulting service allows us to answer any questions that you may have about which policy is best for your family and home located in Butner.

Butner, NC Demographics & Housing Data

Location of Butner, NC (GRANVILLE County)

Compare Homeowners Insurance Rates in Butner, NC!

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Butner, 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 Butner, 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 Butner home. Let us help you shop the best North Carolina home insurance rates and coverages today!

Average Rates Nearby Butner

Are you looking for homeowners insurance in a city near Butner? 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 Butner, NC

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

27509,     

Butner, NC Home Insurance Average Premiums

$610 /yr.

For the city of Butner, 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 Butner, NC?

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

Butner, NC - 2023 Housing Information

Homeowners insurance will help cover the cost to repair or replace your Butner 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 Butner, NC homeowners insurance rates all in one place!

Saving Money Tips on Butner Home Insurance

A great way to save money on Butner 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 Butner area? Check out what homeowners are paying on average for North Carolina homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local North Carolina flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954.

To get online quotes on your home and compare rates on home insurance premiums in Butner, 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 Granville 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, […]

Butner, NC Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Butner 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 Butner, NC?

- The average square footage in Butner is around 1,042 Sq. Ft. which would cost you around $140,700 to replace the home if you base the home on the price to build per square foot of $135.

Minimum Replacement Cost Total: $140,700

Location: Butner, North Carolina (Granville County)

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

Average Square Footage in Butner: 1,042 Sq. Ft.

The dwelling coverage is calculated by the average cost per square foot ($135) in Butner, 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.

Butner, NC Home Insurance Quotes!

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