Comparison Shop Home Insurance in Kinston from Multiple Carriers Instantly!
Being an independent insurance agency means we shop and compare the best Kinston 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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Kinston Home Insurance Coverage
The beauty of home insurance is that it can be tailored to fit you and your situation. Typically, a standard home insurance policy covers the following:
- Coverage for your home and other structures on your property, like detached garages
- Coverage for your belongings inside your home, like clothes and furniture
- Liability coverage for guests that may be injured on your property
- It covers additional living expenses if you need temporary lodging while your home is being repaired
What is the Cost of Home Insurance in Kinston, 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 Kinston compares to other averages.
National Average: $1,477
North Carolina Average: $1,215
Kinston, North Carolina Average: $1,937
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. You could be overpaying for home insurance if you pay much more than these averages.
Average Kinston 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 Kinston, North Carolina, if you need $200,000 in dwelling coverage, you’ll pay an average of $1,965 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 $2,982 in Kinston, North Carolina.
Dwelling Coverage Limits Average Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00 $1,352.75
$200,000.00 - $299,999.00 $1,964.84
$300,000.00 - $399,999.00 $2,477.23
$400,000.00 - $499,999.00 $2,981.64
Kinston 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 are looking for ways to keep your premiums low, stay up to date on home maintenance and replace older systems in your home.
Does My ZIP Code Affect Home Insurance Premiums in Kinston?
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 Kinston, the ZIP code 28501 is the area with the lowest premium of $1,858 for TGS customers. The ZIP code with the highest premium is 28504, costing TGS customers an average of $2,003 a year.
Kinston 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 Kinston is SageSure. TGS customers in Kinston pay an average of $1,253 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, Travelers. The average premium for Travelers is $1,977 for TGS Insurance customers. Here is a breakdown of the different carriers used in Kinston.
Kinston Zip Codes TGS Insurance Agency Covers
If your zip code is not listed, fret not! We have access to amazing rates for homeowners all across North Carolina. Simply enter your address above to get started with a free instant quote.