Atlantic Beach, NC Home Insurance Quotes!

It's not uncommon to hear that homeowners living in Atlantic Beach are paying too much for homeowners insurance. At GetHomeInsuranceQuotes.com, we can help you reduce your annual home insurance cost! Did you know that the average North Carolina homeowner is paying round $1,119 per year? Let us help you shop multiple rates and consider every home insurance discount available to help you get better coverage for a lower price. Atlantic Beach homeowners that shop with us can see annual premiums for homeowners insurance for an HO-3 policy as low as $612 per year.

Atlantic Beach Demographics

In the town of Atlantic Beach North Carolina, roughly 23,168 are living in families that average 2 in size. There are 1,516 housing units in the city of Atlantic Beach, but currently only of them are occupied.

One of the things that makes living in Atlantic Beach fabulous is the fact that most households are earning roughly $62,109, which is the average household income in our area. House prices are also extremely affordable in our little slice of paradise with the average home being priced around $387,900.

Very Affordable Homeowners Insurance in Atlantic Beach

Within Atlantic Beach, we are very lucky to offer extremely affordable homeowners insurance rates and coverage options. The average premium for homeowners insurance in Atlantic Beach, NC is around $612 per year. Homeowners living in homes in the 2,000 square foot range are paying around $862 for a standard HO-3 policy. Larger homes with more replacement cost coverage because they are larger in heated square footage and cost more to replace are paying around $1162 per year. Request quotes online now or Call us now for free quotes: 866-918-3404! We look forward to working with you!

What are the different policy types for homes in Atlantic Beach?

There are a number of different homeowners insurance policy types for homeowners living in Atlantic Beach. Each different policy type is designed especially for a certain kind of home. This will give you a great overview of the different types of policies that are available:

HO-3: The most common type of homeowners insurance being sold in Atlantic Beach is the HO-3 policy. This is the policy that most people purchase for their home. It will protect you if your home is damaged by any peril, except ones that are specifically excluded by the policy details. All HO-3 policies exclude flooding and earthquake damage, other exclusions usually apply so read the policy carefully.
HO-4: This policy was designed with renters in mind. It covers all of the personal property that you have in your apartment, it also offers liability coverage to protect you if someone is injured in your apartment. Liability protection will cover the cost of a person's medical bills if they are injured in your apartment. If they decide to sue you, this coverage will pay for the cost of your legal defense as well as any settlements or judgments that come out of the lawsuit.
HO-5: This is an upgrade from the HO-3 policy and tends to offer more comprehensive coverage but it also costs more. These policies are usually available on newer, more upscale houses.

The big difference is that your personal property is covered from all perils except those excluded in the policy while an HO-3 only covers personal property against the perils named in the policy. It also offers replacement cost coverage as standard while an HO-3 will usually have fair market value as standard coverage.

Compare Homeowners Insurance Rates in Atlantic Beach, NC!

Get up to 12 competitive Atlantic Beach, NC homeowners insurance rates all in one place!

Atlantic Beach, NC Insurance Carriers

With over 20 years of North Carolina home insurance coverage and quoting experience, we enjoy helping customer find the best rate and coverage options for your home in Atlantic Beach, NC. Our new carrier platform includes quick rates from the very best insurance companies, like Liberty Mutual, Safeco Insurance, Tower Hill, ShoreOne, Kind Group Underwriting, AIG, Chubb, Travelers, National General, Heritage Insurance and the North Carolina Joint Underwriting Association (NCJUA) for wind and hail insurance policies. Getting the best insurance rates with the right insurance company is key to protecing your most valuable investment, your Atlantic Beach home. Let us help you shop the best North Carolina home insurance rates and coverages today!

Average Rates Nearby Atlantic Beach

Are you looking for homeowners insurance in a city near Atlantic Beach? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Atlantic Beach, NC

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Atlantic Beach.

28512,

Atlantic Beach, NC Home Insurance Average Premiums

Local Atlantic Beach, NC home insurance quotes comparison

$612 /yr.

Shows Atlantic Beach's lowest average rates with discounts applied.

For the city of Atlantic Beach, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:	Annual Premium
1800 sq. ft. or below (discounts applied)	$612 /yr.
Average Coverage:	$862 /yr.
2600 sq. ft. or higher (all discounts applied)	$1162 /yr.

What is the average home insurance cost for a home in Atlantic Beach, NC?

• The average homeowners insurance premium paid annually for a home in Atlantic Beach is around $862 per year.

What does it cost on average per month for home insurance in Atlantic Beach, NC?

• Homeowners in Atlantic Beach pay an average cost per month around $72.00 for insurance coverage.

Atlantic Beach, NC Coastal Wind, Hail & Flood Information

Atlantic Beach is located in a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Flood Zone Notice: The beautiful coastal city of Atlantic Beach is know for it's beautiful beaches and waterways. Because Carteret County (FIPS: 37031) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Atlantic Beach, NC.

Coastal NC Home Insurance Information:

Atlantic Beach, NC - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$474,738	$418,357
February	$474,503	$428,385
March	$477,140	$439,874
April	$481,187	$450,945

Homeowners insurance will help cover the cost to repair or replace your Atlantic Beach home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Atlantic Beach
Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.

Get up to 12 competitive Atlantic Beach, NC homeowners insurance rates all in one place!

Saving Money Tips on Atlantic Beach Home Insurance

A great way to save money on Atlantic Beach homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Atlantic Beach area? Check out what homeowners are paying on average for North Carolina homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation	Details	Homeowners Tips
14 ft.	This is the average home elevation in Atlantic Beach, NC	» Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Atlantic Beach, North Carolina. A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home. Call Now for Flood Insurance Quotes: 888-620-1954! Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy. It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas.

Elevation

Details

Homeowners Tips

14 ft.

This is the average home elevation in Atlantic Beach, NC

» Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Atlantic Beach, North Carolina.

A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home.

Call Now for Flood Insurance Quotes: 888-620-1954!

Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy.

It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas.

To get online quotes on your home and compare rates on home insurance premiums in Atlantic Beach, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Carteret County.

North Carolina Homeowners Insurance News & Information

North Carolina Joint Underwriters and Wind Pool Map Explained Posted on Wednesday 5th June, 2024
North Carolina is a lovely state to call home. Our state is packed with beautiful cities, museums, restaurants and of course, some of the loveliest beaches in the country. Unfortunately, if you live in one of our amazing coastal southern cities such as Ocean Isle Beach, Sunset Beach, Oak Island Beach, Calabash, Bald Head Island, […]
North Carolina Coastal Home Insurance Rates Posted on Friday 29th March, 2024
North Carolina is a fantastic place to live with plenty of cultural activities, beautiful beaches, world-class cities as well as great restaurants and shopping. The only disadvantage to living in North Carolina, particularly if your home is located in coastal area is the cost of homeowners insurance. The average premium for a standard homeowners insurance […]
NC Residents Speak Against 42% Rate Increase Requested by Rate Bureau Posted on Tuesday 13th February, 2024
During a recent public comment session held by the North Carolina Department of Insurance, dozens of North Carolina residents spoke out against an average rate increase of 42% that the North Carolina Rate Bureau is requesting. The Rate Bureau represents insurance companies in the state and earlier this year requested average rate increases of 42%. […]
North Carolina: 2024 Homeowners Insurance Rate Increase Proposed Posted on Friday 19th January, 2024
Recently, the North Carolina Rate Bureau requested that the N.C. Department of Insurance allow increases to homeowners’ insurance rates by an average of 42.2 percent. If the NCDOI agrees, the proposed rates will go into effect Aug. 1. However, it is also possible that the NCDOI will not agree to the increase and deny the […]
2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023
The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies. Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]

Atlantic Beach, NC Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Atlantic Beach so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Atlantic Beach, NC?

- The average square footage in Atlantic Beach is around 2,873 Sq. Ft. which would cost you around $387,900 to replace the home if you base the home on the price to build per square foot of $135.

Minimum Replacement Cost Total: $387,900

Location: Atlantic Beach, North Carolina (Carteret County)

Average Building Cost Per Square Foot in Atlantic Beach: $135 (low end)

Average Square Footage in Atlantic Beach: 2,873 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$135	$387,900
Some Additional Upgrades	$169	$484,875
Major Home Updates or Advancements	$203	$581,850

Calculate Your Atlantic Beach, NC Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($135) in Atlantic Beach, North Carolina times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $421,875 (Media price to build of $169 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.