Pineola, NC Home Insurance Quotes!

If you move to Pineola, NC, you will join the already 140 people that call this beautiful town home. Families in Pineola have an average of 3 people and they live in one of the 58 housing units that line the streets of Pineola.

In our fair city, the majority of households are earning about $0, which is the median income in Pineola. One of the very best things about calling Pineola home is the fact that you can buy a house for the average price of $155,000, which makes it a very affordable community.

How much does home insurance cost in Pineola?

Once you have purchased a home, you will need to protect it with a homeowners policy. Lucky for you, Pineola is a very affordable town with an average homeowners insurance premium of $611 per year compared to the city average of $861/yr. Pineola homeowners in more expensive homes with a heated square footage of more than 2,500 sq. ft. are paying around $1,161 a year because the dwelling coverage is more expensive to replace.

Coverage Guide for Pineola Homeowners

One thing to consider when buying home insurance is the type of policy you need. There are different policy types that are each designed for the specific type of home that you may own. For example do you own or rent the home? Is the home a single family home, duplex or condo? These are all imporant questions that change the coverage level of the policy you may need to get the right coverage. Here is a brief description of each of the different homeowner policy types that are available to you:

• Homeowners 3 (HO-3): The most common of all homeowner insurance types is the HO-3 policy. The majority of homeowners in Pineola are most likely carrying this policy type. It protects your home against every peril except ones that are excluded specifically in the policy.
  It should be noted that all HO-3 policies exclude earthquake and flooding damage.
• Homeowners 4 (HO-4): You probably know this policy type by its more familiar name, “renters insurance.” This will cover the personal property in the apartment as well as offering liability coverage for you in the event that some trips and fall or is otherwise injured in your apartment.
• Homeowners 5 (HO-5): This policy type is an upgraded HO-3. While more expensive than an HO-3 policy it also offers more coverage. These policies are not available on all homes, they are usually reserved for newer houses that fall in higher price brackets.

One of the major differences with this policy type is that your personal property is covered by all perils that are not named as exclusions. An HO-3 policy on the other hand only protects your personal property against a certain list of perils.

The majority of these policies also offer replacement value as standard coverage on personal property compared to fair market value which takes deprecation into account when calculating the value of your damaged or destroyed property.

Compare Homeowners Insurance Rates in Pineola, NC!

Pineola, 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 Pineola, 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 Pineola home. Let us help you shop the best North Carolina home insurance rates and coverages today!

Average Rates Nearby Pineola

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

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Home Insurance Rates by Zipcode in Pineola, NC

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

28662,     

Homeowners insurance will help cover the cost to repair or replace your Pineola 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 Pineola
• 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.

Saving Money Tips on Pineola Home Insurance

A great way to save money on Pineola 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 Pineola area? Check out what homeowners are paying on average for North Carolina homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

To get online quotes on your home and compare rates on home insurance premiums in Pineola, 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 Avery County.

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