Shelby, NC Home Insurance Quotes!

Are you looking for an easily and affordable way to get a Shelby, NC home insurance policy? Homeowners insurance for your home located in Shelby will protect you from major financial losses if your home was damaged by a hurricane, fire, lightning storm, high winds, theft, vandalism or falling objects like power lines, trees or air debris. In a standard homeowners insurance policy, most of the items mentioned are covered. Also, most Shelby, NC homeowners insurance policies provide liability coverage if you were found responsible for someone's injury. It's very important to speak with a licensed insurance agent about your coverage protection, for example, most homeowners don't realize that a normal home insurance policy does not cover flood damage. When you speak with one of our Shelby based home insurance agents you will discover that you may be required or find that it is best to get flood insurance as an additional policy toward the protection coverage of your property.

Understanding more about your Shelby home insurance is a huge advantage to getting the right coverage. It's not always about the cheapest price, sometimes paying a little more for better coverage with a brand name like Nationwide, Travelers or Liberty Mutual can help you gain the coverage you need when you depend on your insurance company the most. Our North Carolina agents are easily accessible by phone or online. You can start by entering your zip code for the home you would like to insure in Shelby, NC and let us generate the multiple quotes for you for free or call us now 866-918-3404. We will work with you to provide the best coverage and cost savings option. Start your Shelby home insurance quote today!

Shelby, NC Housing Data

Shelby has 20,323 residents, which translates into roughly 11,006 households per zip code with roughly 3 people per household. The average household income is a respectable $39,993, which is slightly below the national average. Homes are very affordable in the Shelby area with the average house value coming in at $121,225.

Average Shelby, NC Home Insurance Rates & Information

When shopping online for Shelby homeowners insurance, local residents have found better ways to save on their annual home insurance premium by easily comparing rates and applying for additional discounts. Rates are now as low as $558 per year for an HO-3 policy that covers the basic needs of homeowners insurance. Average rates in your area run around the $808 per year or only $67 per month for great coverage and a dependable insurance company you can trust. These average home insurance rates reflect the cost of a standard home insurance policy which includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage.

For the best home insurance rate and coverage options available, use GetHomeInsuranceQuotes.com to compare up to 12 rates for your home located in Shelby. Our process is free and our quoting application only takes a few minutes of your time to complete. Make sure you know when your home was built, the overall heated square footage of your home and all the discounts and credit options that may be available to you. Also, we calculate your dwelling coverage for you, but you can use our home insurance calculator to get a free estimate. To start the quoting process, simply enter your zip code. Our free online chat service is available if you have any questions about the property details of your home or give us a call now at 866-918-3404.

Compare Homeowners Insurance Rates in Shelby, NC!

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

Average Rates Nearby Shelby

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

• Boiling Springs, NC Home Insurance Quotes
• Casar, NC Home Insurance Quotes
• Grover, NC Home Insurance Quotes
• Kings Mountain, NC Home Insurance Quotes
• Lattimore, NC Home Insurance Quotes
• Lawndale, NC Home Insurance Quotes
• Mooresboro, NC Home Insurance Quotes
• Waco, NC Home Insurance Quotes

Home Insurance Rates by Zipcode in Shelby, NC

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

28150,     28152,     

Homeowners insurance will help cover the cost to repair or replace your Shelby 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 Shelby
• 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 Shelby Home Insurance

A great way to save money on Shelby 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 Shelby 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 Shelby, 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 Cleveland County.

• 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, […]