Updated: December 17, 2024
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In Fayetteville, North Carolina, Auto-Owners is the best and cheapest home insurance company overall. If customer service is your priority, Erie is the top option.
These companies meet different needs, so choose based on what matters to you, like coverage, cost or service.
Best HomeInsuranceFayettevilleTable of Contents
Why Trust MoneyGeek? We collected data from North Carolina's Department of Insurance and Quadrant Information Services to find the top homeowners insurance in Fayetteville.
In Fayetteville, home insurance rates represent the most competitive estimates as of September 2024.
Auto-Owners is the best home insurance option for $100K dwelling coverage in Fayetteville, NC, with a MoneyGeek score of 93 out of 100.
Home insurance companies in Fayetteville have scores ranging from 56 to 93, according to MoneyGeek's scoring system. Scores vary based on factors like credit history and home age.
| Auto-Owners Insurance | 93 | $1,398 |
| Heritage Insurance | 61 | $1,725 |
| Erie | 58 | $2,797 |
| Farmers | 56 | $2,350 |
Auto-Owners is the best home insurance company in Fayetteville, NC, for $100K dwelling coverage due to its balance between affordability and customer satisfaction. The overall top providers are:
While cost is essential, consider other factors like customer service and coverage options, which are important when filing a claim.
Auto-Owners scores high for affordability and customer satisfaction, making it a top choice for home insurance. You can save with discounts for on-time premium payments for 36 months and paperless billing.
It offers comprehensive home insurance, including guaranteed replacement cost, which covers your home fully even if your limit falls short, and personal property replacement cost, which protects your belongings from damage. Building ordinance or law coverage helps cover costs to meet local building codes.
Erie offers the best customer service in home insurance for $100K dwelling coverage in Fayetteville, NC. The top providers in this category are:
Erie offers excellent customer service and comprehensive coverage at an affordable price.
Excellent service in home insurance means being responsive and helpful when you need assistance, ensuring coverage when emergencies arise.
Erie scores high in customer satisfaction and coverage. You can save with discounts for bundling your home and auto insurance policies and installing protective devices like smoke alarms.
Erie offers valuable coverages like cyber event/ID theft to protect against online threats, guaranteed replacement cost to fully cover your home, and scheduled personal property to safeguard valuables.
Auto-Owners is the best cheap home insurance company for $100K dwelling coverage in Fayetteville, NC, due to its high affordability and customer satisfaction scores. The top budget-friendly providers for this coverage amount are:
If saving on premiums is a priority, exploring the cheapest homeowner insurance companies can help. However, opting for low-priced home insurance often means lower coverage, which may save money now but might not cover costs fully in an accident.
The best cheap home insurance is not the same as the cheapest — it provides more than just a low cost.
Auto-Owners is the best cheap home insurance company, scoring high in affordability and customer satisfaction. You can save with discounts like responsible payment, which rewards 36 months of on-time payments, and paperless billing.
The company offers valuable coverages, including guaranteed replacement cost to fully cover your home and scheduled personal property to protect your valuables. Its equipment breakdown coverage helps pay for the costs of fixing appliances.
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 23, 2024
Homeowners insurance in Fayetteville depends on many factors, including location. Comparing rates is the best way to save money, but it can take up to 15 minutes per company. To compare three or more, you'll need more than an hour. Use MoneyGeek's home insurance calculator to get rate estimates quickly. Just enter your age, coverage, credit score, deductible, liability and more.
Auto-Owners offers the lowest home insurance rates in Fayetteville, NC. A critical factor influencing home insurance costs is the dwelling coverage you choose. Here are the cheapest rates for various coverage levels:
Opting for the cheapest homeowners insurance in North Carolina can help you manage your finances effectively.
| Auto-Owners Insurance | 1,398 |
| Heritage Insurance | 1,725 |
| Farmers | 2,350 |
| Erie | 2,797 |
Auto-Owners is the cheapest option for insuring high-value homes in Fayetteville, NC. Homes that are more expensive to replace need higher dwelling coverage, which increases home insurance costs.
Auto-Owners is the most affordable option in the city, offering competitive prices for high coverage levels. It's also the top-rated company overall.
| Auto-Owners Insurance | $7,160 |
| Heritage Insurance | $8,200 |
| Farmers | $13,229 |
| Erie | $15,009 |
Auto-Owners has the cheapest insurance for new homes in Fayetteville, NC.
Its low premiums make it the most affordable choice, though it may not always meet every homeowner's needs. Ensure your policy provides adequate coverage.
| Auto-Owners Insurance | $412 |
| Heritage Insurance | $646 |
| Farmers | $1,285 |
| Erie | $1,583 |
The best cheap homeowners insurance providers balance quality and cost, offering excellent customer service and coverage at affordable premiums. The best option for you depends on your needs. Consider factors like coverage, customer service and deductibles.
Follow these steps to find the best cheap home insurance:
Determine how much home insurance coverage you need. Consider factors like rebuilding costs, personal property value and liability needs.
Look into insurance companies in Fayetteville, NC. Check their financial stability, customer feedback and service quality.
Once you're clear on your coverage needs, compare home insurance quotes. In Fayetteville, NC, the average annual premiums for $100K dwelling coverage range from $1,398 to $2,797.
Inquire with each provider about discounts, such as for bundling policies, installing safety features or maintaining a claims-free record.
Opting for a higher home insurance deductible can reduce your premium, but ensure you can afford to pay it if needed.
Enhancing your home's security with alarm systems and sturdy locks can lower its risk profile and potentially reduce insurance costs.
Keeping a good credit score affects your insurance rates. Pay bills on time and minimize outstanding debt.
Consider combining your homeowners insurance with other policies like auto insurance for discounts and savings.
The best cheap home insurance provider depends on your coverage needs and budget. Get answers to common questions about the best affordable insurance rates in Fayetteville, NC.
Home insurance in Fayetteville, North Carolina, costs an average of $1,510 annually.
The cheapest home insurance company in Fayetteville, North Carolina, is Auto-Owners, with an annual premium of $1,398.
Auto-Owners provides the best home insurance in North Carolina for Fayetteville residents, 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.
