Home Home insurance Average home insurance cost North Carolina Fayetteville, NC How much is Homeowners Insurance in Fayetteville, NC View Carriers Please enter valid zip Compare top carriers in your area Written by By Insure.com's EditorUpdated on: September 3, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. In Fayetteville, homeowners pay an average annual rate of $3,325 for a coverage level that includes $300,000 for dwelling, $100,000 for liability protection, and a $1,000 deductible, according to Insure.com’s rate analysis. This is $821 more than the national average of $2,504. Homeowners insurance premiums can vary significantly from one property to another. In Fayetteville, the cost of home insurance is influenced by several factors, including: Size of your home Age of your home Amount of coverage required Location Your credit score It’s crucial to compare quotes from multiple insurers to ensure you get the best homeowners insurance policy. This allows you to find the coverage that meets your specific needs. Read this guide to discover the monthly homeowners insurance cost in Fayetteville, explore the insurance costs for different dwelling coverage, and find out which companies offer affordable home insurance in Fayetteville. Key takeawaysThe average cost of homeowners insurance in Fayetteville is $3,325 per year. State Farm is the cheapest homeowners insurance company in Fayetteville with an average annual premium of $949. If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $1,174 more a year for home insurance. How much is homeowners insurance in Fayetteville per month According to our rate analysis, homeowners in Fayetteville pay an average of $277 per month. It’s $33 more than the state average of $244 and $68 more than the national average for home insurance across the United States. In Fayetteville, the cost of your homeowners insurance policy depends on the value of your home, location, and the coverage options you select. How much is homeowners insurance for a $200,000 house in Fayetteville In Fayetteville, NC, homeowners pay an average of $2,151 annually for a $200,000 home. The annual cost of home insurance is influenced by factors such as the risk of natural disasters in your area. Regions more susceptible to natural disasters, such as floods, hurricanes, or tornadoes, typically face higher rebuilding costs, leading to increased insurance premiums. It is important to understand that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, it is advisable to purchase flood insurance. How much is homeowners insurance for a $300,000 house in Fayetteville According to a rate analysis by Insure.com, homeowners in Fayetteville pay an average of $3,325 per year for a $300,000 house. These rates are for the coverage limits of $100,000 for liability protection and $1000 deductible. If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $1,174 more a year for home insurance. It would be best to buy enough insurance to cover the full cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area. How much is homeowners insurance in Fayetteville by companyAmong the carriers analyzed, State Farm is the most affordable homeowners insurance company in Fayetteville. It’s average annual rate for homeowners in Fayetteville is $949.North Carolina Farm Bureau, ranks second and Nationwide makes it to the third spot with an average annual home insurance rate of $4,057.Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in Fayetteville and compiled a list of the most affordable home insurance companies.Below are details of Fayetteville home insurance companies and their average annual premiums.Home insurance company Annual rate State Farm$949North Carolina Farm Bureau$2,094Nationwide$4,057Erie Insurance$4,971USAA*$3,449 Methodology Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Fayetteville for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment. How much is home insurance in other citiesCaryCharlotteDurhamFriscoGreensboroNashvilleRaleighVaughanWinston-Salem In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2024 What is dwelling coverage and how much do you need? 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