Comparison Shop Home Insurance in Albemarle from Multiple Carriers Instantly!
Being an independent insurance agency means we shop and compare the best Albemarle homeowners insurance options on your behalf to find you the best combination of cost and coverage. You’ll love doing business with us if you want an easier insurance experience. How do you get started? Easy! All we need is your address; you’ll get an instant quote in 15 seconds or less. After that, our agents will tailor and further customize your policy to fit your specific insurance needs. Did we mention we re-shop your policy renewal to ensure you are still getting the best deal year after year?
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What Does Albemarle Home Insurance Cover?
Most home insurance policies include some level of the following types of coverage.
Coverage A covers damages to your home
Coverage B covers damages to additional structures on your property such as detached garages, sheds, or fences
Coverage C covers damage to personal property such as furniture, electronics, and clothes
Coverage D covers additional living expenses if your home becomes uninhabitable due to a covered loss
Coverage E covers personal liability including coverage for claims arising from accidents on your property
Coverage F covers medical expenses for injuries occurring on your property for those outside of your household
When it comes to home insurance in Albemarle, there’s no shortage of options. A standard policy typically covers a variety of losses, including damage caused by weather, theft, and accidents. But not all policies are created equal. That’s why it’s important to work with a knowledgeable agent who can help you navigate the complexities of home insurance and tailor your coverage to fit your needs. Whether you need more protection for your personal belongings or additional liability coverage, we’ve got you covered.
What is the Average Cost of Home Insurance in Albemarle?
In Albemarle, the average cost of home insurance for TGS Insurance customers is $1,007 per year. While the cost of your policy will depend on several factors, such as the value and age of your home, your location, and your credit score, our agents can help you find the coverage you need at a price you can afford. We’ll work with you to customize your coverage and ensure you’re not sacrificing anything important to save money.
Average Albemarle Home Insurance Cost By Coverage Level
Dwelling coverage is a fundamental element of home insurance that protects the physical structure of your home against covered hazards. The intention is to cover the expenses of repairing or rebuilding your home if it is damaged or destroyed due to a covered event. The amount of dwelling coverage needed depends on the cost of rebuilding your home. Your home insurance covers the policy limit- which is coverage for up to a specified dollar amount. It is critical to ensure that your dwelling coverage limit is sufficient to cover the cost of rebuilding your home in case of a complete loss. Dwelling coverage limits can significantly impact home insurance premiums, with higher limits resulting in higher premiums since the insurance company is assuming more risk.
In Albemarle, North Carolina, if you need $200,000 in dwelling coverage, you’ll pay an average of $1,019 per year. However, if your home is worth more, you’ll want more coverage, so homeowners wanting $400,000 in dwelling coverage will pay an average of $1,561 in Albemarle, North Carolina.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000.00 - $199,999.00 | $696.66 |
| $200,000.00 - $299,999.00 | $1,018.74 |
| $300,000.00 - $399,999.00 | $1,241.40 |
| $400,000.00 - $499,999.00 | $1,561.08 |
| $500,000.00-$599,999.00 | $1,793.35 |
Albemarle Home Insurance Cost By Home Age
The age of your home is also a factor considered when carriers determine your home insurance premium. The age matters because older homes might be more expensive to rebuild after a total covered loss, especially if they must bring them up to modern safety and building codes. If you have an older home and you are looking for ways to keep your premiums low, be sure to stay up to date on home maintenance and replace older systems in your home.
Albemarle Home Insurance Rates By Company
Choosing your home insurance provider is about more than the price, even though we know the cost is undoubtedly a factor. Because each provider sets their rates, the same coverage can vary between carriers. The top carrier in Albemarle is SageSure. TGS customers in Albemarle pay an average of $762 when insured by SageSure. Looking at the numbers, an overwhelming number of people in your area have chosen SageSure over our next most popular carrier, SafePort. The average premium for SafePort is $800 for TGS Insurance customers. Here is a breakdown of the different carriers used in Albemarle.
Zip Codes in Albemarle TGS Insurance Covers
- 28001
Don’t see your zip code? We’ve got you covered! We make shopping for the best home insurance easy and hassle-free for all residents throughout North Carolina. Get started today with a free, instant quote!
