R&R Insurance Group
1020 Parkside Commons, Suite 101-C, Greensboro, GA 30642
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1020 Parkside Commons, Suite 101-C, Greensboro, GA 30642
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Greensboro residents.
Greensboro auto insurance averages $1,745-$2,012/year. Learn about NC's 50/100/50 minimums, at-fault rules, I-40/I-85 risks, and how to save money.
The average home insurance cost in Greensboro ranges from $1,100 to $2,206 per year, depending on your home's value and coverage limits. For a typical $300,000 home with $100,000 liability coverage and a $1,000 deductible, you'll pay around $2,206 annually, or about $184 per month. This is significantly less than the North Carolina coastal average and below both state and national averages.
Severe thunderstorms and hail pose the biggest threats to Greensboro homes. The area has experienced 39 confirmed hail events and 76 severe weather warnings in the past year alone, with some hailstones reaching two inches in diameter. Tornadoes are possible but less common. The March 2025 hailstorm damaged over 52,000 properties across Greensboro, causing extensive roof and siding damage.
Greensboro's inland Piedmont location means you avoid the hurricane risk that drives up coastal premiums dramatically. While Greensboro homeowners pay $1,100 to $2,206 annually on average, Wilmington residents pay over $7,000 per year—more than triple the cost. Coastal areas face higher wind damage risk, flooding exposure, and more frequent severe weather events, all of which increase insurance costs by 20% to 40% compared to inland regions.
Yes, Greensboro homeowners should expect rate increases of approximately 8.2% to 8.3% annually for both 2025 and 2026. These increases are driven by rising construction costs, more frequent severe weather claims, and overall inflation affecting rebuilding expenses. While these increases are significant, they're lower than the 25% to 36% increases some coastal North Carolina residents are facing.
Yes, newer homes typically qualify for lower insurance premiums because they're built to modern building codes with stronger materials and better wind resistance. Homes constructed in the past 10-15 years have updated electrical systems, modern roofing, and storm-resistant features that reduce claim likelihood. You can also lower rates on older homes by making strategic upgrades like replacing the roof, updating electrical panels, or installing impact-resistant windows.
Shop quotes from at least three insurers—prices can vary by over $1,400 annually for similar coverage in Greensboro. Bundle your home and auto insurance for 15% to 25% savings, increase your deductible to $2,500 if you have emergency savings, and claim all available discounts including security systems, claims-free history, and retiree discounts. Review your coverage annually to ensure you're not paying for more coverage than you need while still maintaining adequate protection.
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