Comparison Shop Home Insurance in Knightdale from Multiple Carriers Instantly!
Being an independent insurance agency means we shop and compare the best Knightdale 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! First, 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!
Knightdale 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 Knightdale, North Carolina?
Your home insurance policy is crafted to fit your needs as a homeowner and protect your home. So, your specific policy will look different from anybody else’s since it is built to protect your home and belongings. Look at how Knightdale compares to other averages.
National Average: $1,477
North Carolina Average: $1,215
Knightdale, North Carolina Average: $1,118
Your home insurance premium can vary from these averages, but it is always good to compare. Therefore, 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 Home Insurance Quotes in Knightdale by Coverage Level
Dwelling coverage is a critical aspect of home insurance that protects your home’s physical structure from covered hazards. Typically, your home insurance policy provides coverage up to a specified dollar amount, known as the policy limit. Ensuring that your dwelling coverage limit is sufficient to rebuild your home in the event of a total loss is critical. Since the insurance company assumes more risk, dwelling coverage limits may significantly impact home insurance premiums, with higher limits resulting in higher premiums. Below is a breakdown of the average home insurance premium based on dwelling coverage limits.
Dwelling Coverage Limits Average Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00 $778.33
$200,000.00 - $299,999.00 $1,097.57
$300,000.00 - $399,999.00 $1,274.48
$400,000.00 - $499,999.00 $1,345.11
How Knightdale Home Insurance is Affected By the Size of Your Home
When it comes to determining the cost of your home insurance, there’s a lot that goes into it. Carriers will look at your home’s age, location, and size- among other things. The size of your home is a factor because it affects your replacement cost.
If you have a house with higher square footage, your home will be more expensive to rebuild if a total covered loss damages it. So, if you think about it, a larger house requires more building materials, time, and manpower to rebuild from the ground up. It goes the other way for smaller homes. So, if you have less house to rebuild, your home insurance premium will be lower.
So, looking at the numbers, houses in Knightdale, North Carolina, that are over 2,000 square feet average about $1,327 per year to insure. In contrast, houses that are under 2,000 square feet cost $965 to insure a year.
Who is the Most Popular Home Insurance Carrier in Knightdale, North Carolina?
We want you to find the perfect homeowners insurance in Knightdale, 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 SageSure is the most popular in Knightdale. So, people with SageSure pay an average of $874 annually. Another popular carrier in Knightdale is Travelers. Travelers’ rates differ from SageSure, having an average cost of $1,010 a year. Check out our data below for Knightdale’s four most popular carriers and their average annual home insurance premiums.
Knightdale 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. So, simply enter your address above to get started with a free instant quote.