Comparison Shop Home Insurance in Morganton from Multiple Carriers Instantly!
Being an independent insurance agency means we shop and compare the best Morganton 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!
What is Covered in Morganton Home Insurance?
Don’t let unexpected losses threaten your home and personal belongings. With home insurance in Morganton, you can have peace of mind knowing you’re covered against various risks. A standard policy typically covers your home’s structure, personal belongings, liability, and additional living expenses. But not all policies are created equal, so it’s important to work with an agent who can help you customize your coverage to fit your unique needs. Whether you need more protection for your high-value items or want to add coverage for specific risks like earthquakes or floods, we’ve got you covered.
What Does Home Insurance Cost in Morganton?
Homeowners insurance in Morganton costs $829 a year, or $69.08 a month, for TGS customers. The cost of your home insurance premium will vary based on a few different things. This can be from your credit, location, value of your home, and what year your home was built. It is normal for your home insurance to vary from this average and other numbers you see online. The great thing about it is that you can completely customize your coverage. 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!
Average Home Insurance Quotes in Morganton 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 $621.86
$200,000.00 - $299,999.00 $879.37
$300,000.00 - $399,999.00 $1,084.84
$400,000.00 - $499,999.00 $1,327.86
Morganton Home Insurance Quotes and Your Home’s Age
Many factors go into calculating your home insurance premium, including your home’s age. Typically, older homes are more expensive to insure because their structure and other components tend to be outdated (Ex. using galvanized piping instead of PEX) and experienced years of all-around wear and tear.
Age is not the only influencing factor for your home insurance premium. Carriers look at a variety of other things, including:
- Attractive nuisances
- Pet breeds
- Claims history
- Credit score
- Crime rate
- Marital status
- Replacement cost
- And much more!
Who is the Most Popular Home Insurance Carrier in Morganton, North Carolina?
We want you to find the perfect homeowners insurance in Morganton, 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 Morganton. People with SageSure pay an average of $604 annually. Another popular carrier in Morganton is Travelers. Travelers’ rates differ slightly from SageSure, having an average cost of $736 a year. Check out our data below for Morganton’s four most popular carriers and their average annual home insurance premiums.
Morganton Zip Codes We Insure
Zip code not listed? Don’t worry! We can help homeowners throughout North Carolina save money on their home insurance. Start with a free instant quote by providing your address above.