Comparison Shop Home Insurance in Elizabeth City from Multiple Carriers Instantly!
Being an independent insurance agency means we shop and compare the best Elizabeth City 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?
You’re one click away from never worrying about home insurance again!
Elizabeth City Homeowners Insurance Coverage Explained
Your home is more than just a building – it’s where memories are made and cherished. That’s why having the right home insurance in Elizabeth City is so important. A standard policy typically covers losses caused by weather, theft, and accidents and includes essential coverages like protection for your home’s structure, personal belongings, liability, and additional living expenses. But every homeowner’s needs differ, so working with a trusted agent who can help you customize your coverage is important. From adding flood insurance to increasing your liability limits, we’re here to help you protect what matters most.
What is the Cost of Home Insurance in Elizabeth City, North Carolina?
Your home insurance policy is crafted to fit your needs as a homeowner and protect your home. Your specific policy will look different from anybody else’s since it is built to protect your home and belongings. Look at how Elizabeth City compares to other averages.
National Average: $1,477
North Carolina Average: $1,215
Elizabeth City, North Carolina Average: $2,834
Your home insurance premium can vary from these averages, but it is always good to compare. If your current homeowners insurance policy is much less expensive than the city average, you may not have enough coverage and be underinsured. If you pay much more than these averages, you could simply be overpaying for home insurance.
Average Homeowners Insurance Cost by Coverage Level in Elizabeth City
The cost to replace your home is essential to determine the dwelling coverage you need on your home insurance policy; this limit directly impacts your home insurance premium. On top of affecting your average annual costs, having an accurate replacement cost can prevent you from being underinsured if a covered loss takes your entire house. These are the average annual home insurance costs in Elizabeth City, North Carolina, based on dwelling coverage limits associated with the policy.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000.00 - $199,999.00 | $2,131.80 |
| $200,000.00 - $299,999.00 | $2,732.46 |
| $300,000.00 - $399,999.00 | $3,380.04 |
| $400,000.00 - $499,999.00 | $4,165.28 |
| $500,000.00-$599,999.00 | $4,963.35 |
How Square Footage Affects Your Elizabeth City Home Insurance
When you initially chat with your insurance agent about your quote, they will want to know the square footage of every part of your home. They do this because the more square footage you have, the more your house will inevitably cost to rebuild if you lose it due to a covered loss. Rebuild costs- known as replacement cost in the insurance world- are a big part of determining how much you will pay in insurance premiums. Below we have a breakdown of average annual premiums in Elizabeth City, North Carolina, based on the size of your home.
Who is the Most Popular Home Insurance Carrier in Elizabeth City, North Carolina?
We want you to find the perfect homeowners insurance in Elizabeth City, North Carolina. Knowing what the best insurance carriers in your area charge for home insurance is a great way to know if your policy is competitive. We pulled together some data from TGS customers in your area and found that Hippo is the most popular in Elizabeth City. People with Hippo pay an average of $2,315 annually. Another popular carrier in Elizabeth City is Homeowners of America. Homeowners of America’s rates differ slightly from Hippo, with an average cost of $3,355 a year.
Elizabeth City Zip Codes We Insure
- 27909
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.
