Get Erwin, NC Home Insurance Rates!

We have great home insurance rates for your home in Erwin, North Carolina, our online quoting application helps you easily compare the best insurance companies in your area. Our quoting process allows you to review up to 12 competitive homeowners insurance quotes to help you compare prices, coverage options and ratings. Let us help you shop the best rate and coverage for your Erwin home today, simply enter your North Carolina zip code or give us a call now!

One of the most common questions we get asked is "how much is my home insurance"? For homeowners living in Erwin, NC, the average homeowners policy is around $93 per month or $1,119 per year. Average home rates are based on a standard HO-3 policy. Home insurance companies rate risk differently so it is important to let a company like GetHomeInsuranceQuotes.com do the shopping for you and help answer any questions that you may have about your rate, coverage options, flood insurance coverage, wind hail coverage and discounts.

Other common questions about homes in Erwin:

How many people live in Erwin? The total city area population for Erwin, NC is 6,751.

How many homes in the Erwin area? The total homes in the city of Erwin is 2,667 housing units.

What is the average Erwin household income? The average income in the Erwin area is around $42,336.

How much do the homes in Erwin cost on average? The average cost of a home in Erwin is estimated to be around $92,300.

What is my replacement cost for my home? Insurers will assign a replacement cost value to your home if it was ever in need of rebuilding. Remember the cost to replace the home is not the same as buying the home because the cost of land does not need to be factored into the replacement cost. Try our online home replacement cost calculator to easily generate a dwelling coverage amount.

Compare Homeowners Insurance Rates in Erwin, NC!

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

Average Rates Nearby Erwin

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

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

28339,     

Erwin, NC Home Insurance Average Premiums

$570 /yr.

For the city of Erwin, 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 Erwin, NC?

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

Erwin, NC - 2023 Housing Information

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

Saving Money Tips on Erwin Home Insurance

A great way to save money on Erwin 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 Erwin 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 Erwin, 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 Harnett 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, […]

Erwin, NC Dwelling Coverage Estimate

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

- The average square footage in Erwin is around 684 Sq. Ft. which would cost you around $92,300 to replace the home if you base the home on the price to build per square foot of $135.

Minimum Replacement Cost Total: $92,300

Location: Erwin, North Carolina (Harnett County)

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

Average Square Footage in Erwin: 684 Sq. Ft.

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

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