Affordable homeowners insurance rates in Durham, North Carolina

Durham is a city in North Carolina with a population of 269,702 as of 2019. Parts of the city are located in Durham County, Wake County, and Orange County.

It's also the home of Duke University. Durham has earned the nicknames Bull City & the City of Medicine.

Durham homeowner's insurance

Let's Talk Affordable Home Ownership

Did you know that the average home value here is $355,005? Do you have any idea what it will take to protect your own home? Let's discuss a few of the common questions your agent will ask you to help you get an affordable quote.

What is your home worth?

As of 2021, the average home here runs about $355,005. How does the price of your home compare to that?

How much would it cost to rebuild your house?

That will depend on several factors such as the square footage of the home, the location, the materials used, your coverage, etc.

What are the crime statistics for your neighborhood?

There is a crime rate of 49.63 crimes per one thousand people here. That is 74% higher than the national average rate. That means that your chance of becoming a victim of crime here is 1 in 21. tells us that the rate for property crime is 41.16 per one thousand population which includes motor vehicle theft, arson, larceny, and burglary.

Get the cheapest homeowners insurance in Durham, North Carolina

What zipcode area do you live in?

27704, 27705, 27706, 27707, 27710, 27711, 27713, 27715, 27717, 27701, 27702, 27703, 27708, 27709, 27712, 27722

What weather conditions pose a threat?

  • Durham has a moderate risk for tornadoes. It averages about 1 tornado a year.
  • On the other hand, it's in a very low-risk hurricane zone. Twelve hurricanes within 150 miles have been recorded since 2000. The most recent hurricane was Ana in 2015.
  • Heavy rains can cause flooding from the Eno River in the flood plains.
  • Durham has a very low earthquake risk, with a total of 1 earthquake since 1931.

How close is your home to a fire department?

The closer you are to a fire station the safer your home is. That is why your carrier will reward you with lower rates.

Durham has 7 fire stations. You can Google them to find out how close you will be.

How can InsuranceHub save you money on your homeowner rates?

Our agents know the tricks of the trade to save you money on your rates. After all, InsuranceHub has been in business since 1985, which means you benefit from all of that experience when you complete our quote form or call for a free quote.

Your agent will help you to get all of the necessary liability, fire, and dwelling coverage for your home. Next, they will help you identify every discount available to you to help lower your rates. For example, did you know that you can save up to 25% by combining your home & auto policy?

Finally, our agents will shop your home rates among many of the top insurance carriers in the country. We're talking about insurance companies like:

  • Nationwide
  • ASI
  • Universal
  • Safeco

And those are just a few of our go-to carriers. So, why not give us a try? It is simple and easy. 

Top Employers in the Area:

  • Duke University & Duke Univ. Health System
  • IBM
  • Durham Public Schools
  • GlaxoSmithKline
  • Blue Cross & Blue Shield of NC
  • City of Durham
  • Fidelity Investments
  • Quintiles
  • RTI International
  • Durham VA Medical Center
  • Cree
  • AW North Carolina

Things to Do in the Area:

  • Bull Durham Blues Festival
  • American Dance Festival
  • Nasher Museum of Art
  • Full Frame Documentary Film Festival
  • Scrap Exchange
  • Pleiades Gallery
  • The Durham Art Walk
  • Carrack Modern Art
  • Golden Belt Studios
  • Duke University's men's basketball
  • Durham Bulls International League baseball team

If you have made "the Bull City" your home, then contact our team of agents for an affordable homeowner's quote in Durham today.

Get started with the form below or pick up the phone to talk to one of our professionals at (877) 341-5728