The Brinkley Insurance Group
16 W Martin St Ste 1009, 10th, Floor, Raleigh, NC 27601
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16 W Martin St Ste 1009, 10th, Floor, Raleigh, NC 27601
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7100 Falls of Neuse Road, Second, Floor, Raleigh, NC 27615
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126 Mine Lake Ct, 2nd, Floor, Raleigh, NC 27615
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5405 Kaplan Dr, Raleigh, NC 27606
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Learn about insurance coverage options specific to Raleigh residents.
Raleigh homeowners pay $1,760-$2,616/year for coverage. Learn how new construction, FORTIFIED roofs, and bundling can save you hundreds on premiums.
Home InsuranceRaleigh homeowners need both wind and flood insurance for hurricanes. Learn what's covered, costs, and lessons from Floyd and Florence. Get protected today.
Home InsuranceRaleigh home insurance rates are rising 7.5% yearly through 2026. Learn about flood coverage, hurricane risks, new construction, and how to protect your home.
General Insurance EducationComplete Raleigh insurance guide covering NC's new 50/100/50 auto minimums, hurricane prep, average costs, and coverage needs for Research Triangle residents.
Car InsuranceRaleigh auto insurance averages $1,400-$2,400/year. Learn NC's 30/60/25 minimums (changing to 50/100/50 in 2025), at-fault laws, and how to save money.
Car InsuranceAverage Raleigh car insurance costs $1,800-$2,455/year. Compare rates by neighborhood, learn about 2025 coverage changes, and find discounts for RTP commuters.
For a $300,000 home in Raleigh with standard coverage including $100,000 in liability protection and a $1,000 deductible, expect to pay between $1,760 and $2,616 per year, or roughly $147 to $218 per month. Your actual rate depends on factors like your home's age, your credit score, claims history, and available discounts such as bundling or security system credits.
Yes, base rates in Raleigh and Durham are increasing by 7.5% on June 1, 2025, with another 7.5% increase scheduled for June 1, 2026. Together, these increases will add approximately $500 to the average annual premium. These rate adjustments reflect rising costs for construction materials, labor, and increased weather-related claims across North Carolina.
Absolutely. Bundling home and auto insurance in North Carolina typically saves homeowners between $156 and $813 per year, representing a 15-35% discount on combined premiums. State Farm offers some of the best bundling discounts in the state, with 13% off auto and 35% off home insurance when policies are combined.
Yes, significantly less. Homes built in 2024 average just $1,328 in annual premiums, while homes constructed in 1950 cost around $2,874 per year—more than double the cost. Newer homes benefit from modern building codes, updated electrical and plumbing systems, and newer roofs, all of which reduce claim frequency and lower insurance costs.
FORTIFIED is a construction and re-roofing program that strengthens your roof system to withstand severe weather, particularly high winds. Homeowners with FORTIFIED roofs can earn discounts of 6-19% on the wind portion of their property insurance. North Carolina also offers grants up to $8,000 to help eligible homeowners offset the cost of FORTIFIED roof upgrades.
Your credit score has a dramatic impact on homeowners insurance costs in North Carolina. Homeowners with excellent credit pay an average of $2,757 annually, while those with poor credit face premiums around $8,370 per year for the same coverage. If your credit has improved since you purchased your policy, contact your insurer to potentially qualify for lower rates.
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