Best & Cheapest Homeowners Insurance in Raleigh, NC For 2025

In Raleigh, Kemper provides the cheapest policy, with average annual rates of $625. However, keep in mind that the best insurer for you may vary based on your unique circumstances and requirements.

Raleigh experiences approximately 775 residential burglaries annually. Additionally, Raleigh’s rates climb with severe weather risks, flood-zone maps, older wood-frame roofs, termite trouble, and rising rebuild costs.

To help people navigate the tough home insurance market, I researched several options to find you the best and cheapest home insurance companies in Raleigh, NC.

Cheapest Homeowners Insurance In Raleigh

Kemper is the cheapest overall carrier for homeowners insurance in Raleigh, NC, with an average annual rate of $625.

Cheapest Homeowners Insurance In Raleigh If You Have Poor Credit

If your credit score is poor, Kemper provides the most affordable solution, with an average annual rate of $885.

Cheapest Homeowners Insurance In Raleigh For Older Homes

For those with older homes, Kemper offers the cheapest rates, averaging $620 per year.

Older homes often come with unique risks and maintenance issues, which can drive up insurance costs.

Cheapest Homeowners Insurance For Newly Constructed Homes

If you’re the proud owner of a newly constructed home, Nationwide offers the most cost-effective solution, with an average annual rate of $1,246.

Cheapest Home Insurance In Raleigh For A History Of Claims

For homeowners with a history of claims, State Farm provides an affordable solution, with an average annual rate of $659.

A history of claims can raise red flags for insurers, often leading to higher premiums.

Best Homeowners Insurance Companies In Raleigh, NC

To make your decision-making process easier, we’ve compiled a list of the top homeowners insurance companies in Raleigh, NC. These companies have been assessed based on their annual premiums, coverage options, customer satisfaction ratings, and overall reliability.

Take a look at our comparison chart below and find the perfect fit for your home insurance needs.

How Much Is Homeowners Insurance In Raleigh, NC?

The average cost of home insurance in Raleigh is approximately $1,765 per year. It’s important to understand that rates are not a one-size-fits-all matter. They can fluctuate significantly based on a myriad of factors.

As you can see below, rates in Raleigh are lower than the National average and the North Carolina State average.

Average Raleigh Home Insurance Rates By ZIP Code

The cost of homeowners insurance in Raleigh, NC can vary significantly based on the ZIP code.

The table below showcases average rates for different zip codes in Raleigh.

Cheapest ZIP Codes For Home Insurance In Raleigh

At $1,752 per year, the ZIP code 27601 is the cheapest average ZIP code for home insurance in Raleigh.

Most Expensive ZIP Codes For Home Insurance In Raleigh

The most expensive ZIP code in Raleigh is 27695, at an average annual premium of $1,869.

Average Home Insurance Rates In Raleigh, NC By Deductible Amount

The deductible amount chosen for a homeowners insurance policy significantly affects the premium rates in Raleigh, NC. Generally, a higher deductible means lower premiums, but you’ll pay more out of pocket if you need to make a claim.

Here’s how the average home insurance rates in Raleigh fluctuate with insurers for different deductible amounts:

Average Home Insurance Rates In Raleigh, NC By Coverage Amount

One of the key components that influences your premium is the dwelling coverage amount. This is the maximum amount your insurance company will pay to rebuild or repair your home if it’s damaged or destroyed.

The below table outlines the average annual homeowners insurance premiums for different dwelling coverage amounts.

Compare Home Insurance Rates To Other Cities In North Carolina

The following table shows the average rates of home insurance across various cities in North Carolina.

Bundle Home With Auto Insurance

Bundling your homeowner’s insurance with your auto insurance is a popular way to lower premiums. Many insurance providers offer discounts when you combine multiple policies, as they see it as an opportunity to retain you as a customer across different types of coverage. The savings from bundling can vary, but it’s common to see discounts ranging from 5% to 15% on your home insurance premium.

This method can be especially useful for homeowners who already have an auto insurance policy. By consolidating both policies with the same insurer, you simplify your insurance management and may receive better overall customer service. In addition to lower premiums, bundling may also provide more flexible payment options and potentially higher coverage limits.

Before deciding to bundle, it’s important to compare the total cost of bundling with the cost of purchasing separate policies. While bundling may offer discounts, it’s still worth ensuring that each individual policy provides the coverage you need at a reasonable rate.

How To Get Homeowners Insurance In North Carolina

With informative sites like Insuranceopedia, finding the best coverage for your unique needs is just a few clicks away. By providing quick online quotes from a variety of top-rated insurers, Insuranceopedia helps you to compare rates at a glance.

Just input your details and let us do the hard work, presenting you with a range of options tailored to your requirements. This way, you can confidently choose a policy that offers the highest value, balancing cost with comprehensive coverage.