Erie Insurance High Point - Dockery Insurance
3980 Premier Dr, Ste 110, High Point, NC 27265
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3980 Premier Dr, Ste 110, High Point, NC 27265
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320 South Main Street, High Point, NC 27260
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1908 Eastwood Road, High Point, NC 27263
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300 N Main St, Ste 400, High Point, NC 27260
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175 Northpoint Ave, Ste 214, High Point, NC 27262
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110 Scott Ave, Suite 4, High Point, NC 27262
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3815 Tinsley Drive, Ste 161, High Point, NC 27265
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Learn about insurance coverage options specific to High Point residents.
High Point home insurance rates are rising 7.5% in 2025. Learn about tornado coverage, rebuild costs, and how to protect your Piedmont Triad home.
General Insurance EducationComplete High Point, NC insurance guide covering auto rate changes, rising homeowners costs, flood risks, and life insurance options in Guilford County.
Car InsuranceHigh Point's 50/100/50 minimums take effect July 2025. Learn how NC's at-fault system, I-85 traffic, and furniture market affect your auto insurance costs.
High Point homeowners typically pay close to the North Carolina average of around $3,749 annually for home insurance. However, rates are increasing by 7.5% in June 2025 and another 7.5% in June 2026, which will bring the average to roughly $4,291 by mid-2026. Your actual premium depends on your home's value, age, location, coverage limits, and deductible.
Yes, standard homeowners insurance policies cover tornado damage to your dwelling, other structures, and personal property. High Point experienced an EF-1 tornado in March 2021 with winds up to 95 mph, making this coverage essential. However, you need to ensure your dwelling coverage is high enough to cover the full cost of rebuilding at current construction prices, which range from $180 to $250 per square foot.
North Carolina state law does not require homeowners insurance. However, if you have a mortgage on your High Point home, your lender will require you to maintain homeowners insurance until your loan is paid off. This protects both you and the lender's investment in your property.
Flood insurance is not automatically included in standard homeowners policies and must be purchased separately. While High Point isn't in a high-risk coastal flood zone, flooding can occur anywhere, especially near creeks or in low-lying areas. Evaluate your property's location and consider flood insurance through the National Flood Insurance Program or private insurers if you're at elevated risk.
You can reduce your premium by bundling home and auto insurance, installing security systems or smoke detectors, maintaining a newer roof, raising your deductible, and maintaining a claims-free record. Shop quotes from multiple insurers, as rates vary significantly. Also, ask about discounts for home improvements like impact-resistant roofing or updated electrical systems.
Market value is what your home would sell for (around $230,000-$244,500 median in High Point), while rebuild cost is what it would cost to reconstruct your home from scratch. Rebuild costs are typically higher due to construction expenses ($180-$250 per square foot in NC), and this is what your dwelling coverage should be based on, not the market value.
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