Comparison Shop Home Insurance in Charlotte from Multiple Carriers Instantly!
Being an independent insurance agency means we shop and compare the best Charlotte homeowners insurance options on your behalf to find you the best combination of cost and coverage. If you want an easier insurance experience, you’ll love doing business with us. How do you get started? Easy! All we need is your address, and 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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Charlotte Home Insurance Coverage: The Basics
If you’re like most homeowners in Charlotte, your home is your most valuable asset, and you should protect it as such. It’s important to understand that when you create your home insurance policy, it should meet your individual needs. Insurance companies offer different levels of coverage, endorsements, and protections with varying conditions and limitations that enable policies to be customized. With that in mind, the most common types of coverage you will see on a homeowners insurance policy include:
- Dwelling coverage for the structure of your home.
- Other structures coverage for structures not attached to your home, like detached garages, sheds, and fences.
- Personal property coverage for replacing and repairing furniture, electronics, clothing, etc.
- Loss of use coverage for additional living expenses if you need to stay somewhere else while your home is being repaired.
- Personal liability coverage for legal bills if someone gets injured on your property or you cause damage and get sued.
- Medical payment coverage helps cover medical expenses for nonhousehold members injured on your property.
What is the Average Cost of Home Insurance in Charlotte?
Homeowner’s insurance for TGS customers in Charlotte, North Carolina, averages at $1,116 per year. While your location in Charlotte is a big factor in the price of your insurance, it is not the only thing considered. Because every home insurance policy and house is different, carriers also look at the age of your home, its value, your credit score, and coverage amounts. TGS has helped over 15,000 customers save on their home insurance premiums. To lock in your savings, type your address above for an instant quote!
Home Insurance in Charlotte Cost by Dwelling Coverage Limit
Dwelling coverage limits are one of the key factors that insurers consider when setting premiums. You’ll generally pay a higher premium if you choose a high dwelling coverage limit. However, it’s important to ensure you have adequate coverage to protect your home in the event of a loss. If you have a mortgage on your home, your lender may require you to have a certain amount of dwelling coverage to protect your investment.
In Charlotte, North Carolina, a policy with $200,000-$299,999 in dwelling coverage costs an average of $1,013 per year. However, if your home is worth more, you’ll want more coverage, so homeowners wanting $400,000-$499,999 in dwelling coverage will pay an average of $1,604 in Charlotte, North Carolina.
|Dwelling Coverage Limits||Average Annual Premium (incl. Windstorm & Hail Coverage)|
|$100,000.00 - $199,999.00||$710.42|
|$200,000.00 - $299,999.00||$1,013.67|
|$300,000.00 - $399,999.00||$1,212.09|
|$400,000.00 - $499,999.00||$1,448.99|
|$500,000.00 - $599,999.00||$1,694.29|
|$600,000.00 - $699,999.00||$1,959.04|
Does My ZIP Code Affect Home Insurance Premiums in Charlotte?
Insurance carriers look at more than your home state when pricing your premium- they can get as specific as your ZIP Code. For example, in North Carolina, when you are closer to the coast, you may experience higher annual premiums because of your risks of perils like flooding and hurricanes. In Charlotte, the ZIP code 28206 is the area with the lowest premium of $832 for TGS customers. The ZIP code with the highest premium is 28207, costing TGS customers an average of $1,555 a year.
Best Charlotte Home Insurance Carriers
Knowing who will give you a competitive premium in your area is a big part of choosing your home insurance. Among TGS customers, the least expensive carrier in Charlotte is SageSure. The average annual premium with SageSure is $815. Some of our other carriers in Charlotte are Safeco, Travelers and Homeowners of America. Choosing a carrier is more than just the price; here at TGS, we know that is a factor. Check out the table below to see the average price for Charlotte based on the most popular insurance providers.
Charlotte Zip Codes We Insure
Zip code not listed? Don’t worry! We can help homeowners throughout North Carolina save money on their home insurance. Get started with a free instant quote by providing your address above.