Chowan County, NC Homeowners Insurance Quotes

Getting the afforable homeowners coverage that you want in Chowan County can be difficult with so many options available from local captive agents to the online comparison marketplace. It is important to know that proper coverage means doing the necessary research on your own or speaking with a home insurance professional that can help you find the affordable coverage you need with a carrier you trust. Shopping online with us at GetHomeInsuranceQuotes.com of North Carolina allows you to get top quality service from the best insurance carriers available in your area. Our rates can be shared with you online, through email, on the phone or even on our chat mesage service to help make shopping easier for you. It's important you know the coverage options available for your home in Chowan County, that's why our experience staff of over 20+ years can answer any questions that you may have about your current policy. And most of all, we can provide easy ways to help you save more money while getting more protection for your home in case if something happens. Start your online home insurance quote today!

Chowan County, NC Prices Per Year

North Carolina homeowners insurance premiums are on the increase year over year. It's not very often that we witness a decrease in home insurance rates when we compare annual premiums in all 50 states. Currently, Chowan County is ranked lower in the nation with an average annual premium of $1119/yr. When comparing home insurance cost and coverage options, it's important to understand that the base premium for a standard homeowners policy may look great in terms of affordability, but maybe not so helpful in terms of the coverage and protection when you need it the most. Let us help you first compare quotes and then we can provide a free consultation to help you determine the best company and coverage options available in Chowan County.

Coastal Chowan County, NC Home Insurance Rates

For coastal properties, flood protection is crucial for areas like Chowan County that are prone to hurricanes, flooding and tropical storms. We recommend you speak with your home insurance agent if you have questions about your coastal policy coverage. A flood insurance policy is not part of your standard homeowners policy, but can easily be bundled to help give you the added protection you need by combining an HO-3 policy with wind and hail coverage plus flood insurance. We offer an easy way to review the best flood insurance rates for Chowan County, please give us a call at at 1-866-918-3404. If you are only looking for flood insurance only then please contact our flood insurance agent at 1-888-620-1954 for completitive flood insurance rates in Chowan County.

For all Chowan County, NC residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.

Are you looking for a homeowners insurance quote in Chowan County? Simply enter your zip code to get your North Carolina homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Chowan County, NC Housing Demographics

With 14,793 residents living within the Chowan County area there are over 7,289 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 4,163 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Chowan County.

Chowan County, NC Coastal Wind, Hail & Flood Information

For all homeowners living in Chowan County (FIPS: 37041), it's important to understand that this county is in a coastal area and has great risk of damage due to hurricanes, windstorms, hail and flooding. The wind and hail insurance program provided through the state of North Carolina is the states opportunity to help provide additional wind/hail coverage when insurance companies exclude it from homeowners and other policies sold to coastal residents. You can buy wind and hail insurance coverage through us and we will shop multiple companies to package the best coverage option for you. If you are shopping for quotes in Chowan County, NC, it's important that you look into hurricane and windstorm insurance options.

Chowan County boarders a shoreline which increases the risk of wind, hail and flood damage. We will look into providing the best rates possible considering your home is located in the coastal area of North Carolina.

Helpful Articles:

• Wind & Hail Home Insurance Coverage Guide
• Am I underinsured for hurricane damage?

• 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 […]

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your North Carolina homeowners insurance.

• Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Chowan County, this discount can save you up to 20% on your home insurance premium.
• Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Chowan County that do combine their home and auto can save over $500 with this discount.
• Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Chowan County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
• Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
• Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.