Updated: December 17, 2024
Advertising & Editorial Disclosure
In Cary, North Carolina, Auto-Owners Insurance is the overall best and cheapest choice for home insurance. However, if customer service is your priority, Erie is the best.
These companies cater to different needs, so we recommend choosing a provider based on what is important to you, like cost, customer service and coverage options.
Best HomeInsuranceCary, NCTable of Contents
Why Trust MoneyGeek? We used data from North Carolina's Department of Insurance and Quadrant Information Services to find the top homeowners insurance in Cary, ensuring our recommendations are data-backed and follow industry standards.
Home insurance premiums in Cary showcase the most competitive rates as of September 2024.
MoneyGeek found that Auto-Owners Insurance is the best option for home insurance in Cary, N.C., for $100K dwelling coverage, with a MoneyGeek score of 93 out of 100.
The scores for home insurance companies in Cary range from 44 to 93. These figures reflect MoneyGeek's scoring system, where scores can vary based on factors like credit history and the age of your home.
| Auto-Owners Insurance | 93 | $1,045 |
| Erie | 66 | $1,735 |
| Heritage Insurance | 53 | $1,452 |
| Farmers | 44 | $1,912 |
MoneyGeek found that Auto-Owners Insurance is the best option in Cary, N.C., for $100K dwelling coverage. The two best overall home insurance companies in the city for the same dwelling coverage are:
Auto-Owners Insurance is the best home insurance provider that balances affordability and customer satisfaction, greatly contributing to its high score.
Various insurance companies in Cary offer different cost and service experiences. While cost is important, consider other factors like customer service and coverage options, which are crucial when making claims.
Auto-Owners Insurance scores high in affordability and coverage. Auto-Owners Insurance provides useful coverages. Guaranteed replacement cost ensures your home is fully covered if your limit is too low. Personal property replacement cost protects your belongings from damage or loss. Equipment breakdown covers failures of home appliances.
You can save with discounts like responsible payment and paperless billing. Paying on time for 36 months can qualify you for the responsible payment discount.
MoneyGeek found that Erie is the best home insurance option in Cary, N.C., for customer satisfaction. Here are the top two providers for $100K dwelling coverage based on the MoneyGeek score:
Erie received superior customer satisfaction ratings, which enhanced its overall score. Excellent service in home insurance means providing timely assistance and clear communication during claims.
Erie is known for its excellent customer satisfaction and various coverages. Guaranteed replacement cost ensures your home is fully covered. Scheduled personal property protects valuables like jewelry and watches. Cyber event/ID theft coverage if your identity is stolen.
You can save with discounts like bundling and protective devices. Installing smoke alarms or a sprinkler system can help you qualify for these savings.
MoneyGeek found that Auto-Owners Insurance is the best cheap home insurance option in Cary, N.C. The top two best and cheapest homeowner insurance companies for $100K dwelling coverage are:
Auto-Owners Insurance stands out for its high affordability and customer satisfaction scores. Though cheap home insurance can help save money, it's important to consider that lesser coverage might not be enough during accidents.
For those prioritizing savings, finding the cheapest companies or learning the average cost of homeowners insurance in North Carolina could be helpful. The best cheap home insurance differs from the most affordable as it considers quality alongside cost.
Auto-Owners Insurance scores high on affordability and satisfaction. It provides useful coverages, such as personal property replacement cost, which helps if your things are damaged. It also covers equipment breakdown, protecting your home appliances.
You can save with discounts like responsible payment and paperless billing. Pay on time for 36 months to qualify for the responsible payment discount.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 24, 2024
Homeowners insurance in Cary depends on various factors, including location. Comparing rates is the best way to save money, but it can take 15 minutes per company. Comparing three or more companies can take over an hour. Use MoneyGeek's home insurance calculator to save instantly. Enter your age, dwelling coverage, credit score, deductible, liability coverage and a few other details to get a quick estimate.
Auto-Owners Insurance is the best option for affordable home insurance in Cary, N.C. The key factor influencing premiums is the dwelling coverage you choose.
Auto-Owners Insurance stands out for its low costs and top score in the city. Purchasing the cheapest homeowners insurance in North Carolina can be a smart choice, as it helps to manage financial commitments effectively.
| Auto-Owners Insurance | 1045 |
| Heritage Insurance | 1452 |
| Erie | 1735 |
| Farmers | 1912 |
Auto-Owners Insurance is the cheapest option for high-value home insurance in Cary, N.C. High dwelling coverage is needed for homes that cost more to replace, affecting home insurance costs.
Auto-Owners Insurance is the least expensive insurance in Cary for high-value homes. According to MoneyGeek, it also ranks high in customer satisfaction, though it's not scored the best in other categories.
| Auto-Owners Insurance | $5,351 |
| UPC Insurance | $5,559 |
| Heritage Insurance | $6,906 |
| Erie | $9,181 |
| Farmers | $10,762 |
Auto-Owners Insurance offers the cheapest home insurance for new homes in Cary, N.C.
Auto-Owners Insurance is the lowest-cost option in Cary for new homes across different dwelling coverages. It also aligns well with MoneyGeek scoring, indicating strong value. It's crucial to ensure you're adequately covered when choosing insurance.
| Auto-Owners Insurance | $308 |
| Heritage Insurance | $544 |
| Farmers | $1,044 |
| Erie | $1,090 |
The best cheap homeowners insurance providers balance quality and cost, offering excellent customer service and coverage with affordable premiums. However, it should also depend on your needs. Consider factors like coverage options, customer service and financial stability. Follow these steps to get the best cheap home insurance.
Consider the specifics of your home in Cary to determine how much home insurance coverage you need. Assess rebuilding costs, personal property value and liability requirements.
Look into insurance companies that operate in Cary. Check their financial stability, customer feedback and service quality.
Identify the coverages you need and compare home insurance quotes. In Cary, $100K dwelling coverage premiums range from $1,045 with Auto-Owners Insurance to $1,912 with Farmers.
Inquire about potential savings, such as discounts for bundling policies, adding safety features or maintaining a claims-free history.
Opting for a higher home insurance deductible can reduce your premium, but ensure it's a manageable amount.
Enhancing your home's security with systems and strong locks can lower its risk profile and reduce insurance costs.
Keep a good credit score in Cary, as it can impact your insurance rates. Pay bills on time and manage debt wisely.
Consider combining your homeowner insurance with other policies like auto insurance to qualify for discounts and save money.
The best cheap home insurance provider in Cary depends on your coverage needs and budget. Get answers to some of the most commonly asked questions about the best cheap insurance rates in Cary, N.C.
Home insurance in Cary costs an average of $1,130 per year.
Auto-Owners Insurance offers the cheapest home insurance in Cary, with an annual premium of $1,045.
The best home insurance in North Carolina for Cary residents is from Auto-Owners Insurance, with a MoneyGeek score of 93 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
