Gavop shows you how to buy homeowners insurance in Clear Creek, NC by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $61,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $119,500 | $110,000 | $125,000-$150,000 |
| 3 Bedroom | $186,000 | $170,000 | $200,000-$250,000 |
| 4 Bedroom | $297,000 | $260,000 | $300,000-$350,000 |
| 5 Bedroom | $328,000 | $290,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$123 | $559 |
| Superior Protection Discount | -$68 | $613 |
| Fire & Security Discount | -$61 | $620 |
| Hail Resistant Roof Discount | -$14 | $668 |
| Newly Constructed Home Discount | -$136 | $545 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Henderson County | $1,000 | $954 | $1,954 | $693 | $1,693 | $261 |
| Clear Creek, NC | $2,500 | $673 | $3,173 | $489 | $2,989 | $184 |
| Balfour, NC | $300 | $873 | $1,173 | $635 | $935 | $239 |
| Biltmore Forest, NC | $2,000 | $784 | $2,784 | $570 | $2,570 | $214 |
| Mills River, NC | $100 | $855 | $955 | $621 | $721 | $234 |
| Spindale, NC | $1,000 | $559 | $1,559 | $406 | $1,406 | $153 |
| Marion, NC | $100 | $614 | $714 | $446 | $546 | $168 |
| Haywood County, NC | $1,000 | $898 | $1,898 | $653 | $1,653 | $245 |
| Nebo, NC | $100 | $785 | $885 | $571 | $671 | $215 |
| Startex, SC | $2,000 | $363 | $2,363 | $264 | $2,264 | $99 |
| Glen Alpine, NC | $100 | $661 | $761 | $480 | $580 | $181 |
| Barkers Creek, NC | $700 | $799 | $1,499 | $581 | $1,281 | $218 |
| Home Insurance Company Clear Creek, NC | Homeowners Insurance Agency Clear Creek, NC | Address | Popularity Score | Distance from Clear Creek (miles) |
|---|---|---|---|---|
| Travelers | Morrow Insurance Agency | 246 S Main St, Marion, NC, 28752 | 30.3 | |
| Erie | Earle Insurance Agency | 1913 Asheville Highway, Hendersonville, NC, 28791 | 5.3 | |
| State Farm | Wayne Smith | 268 New Leicester Hwy, Asheville, NC, 28806-2019 | 17.7 | |
| State Farm | Rick Franklin | 507 Burkemont Ave Ste A, Morganton, NC, 28655-4468 | 46.8 | |
| Erie | Marco Insurance Services | 221 S Lafayette Street Suite 3, Shelby, NC, 28150 | 50.1 | |
| State Farm | Rebecca Sandoval | 788 Merrimon Ave, Asheville, NC, 28804-2444 | 17.5 | |
| State Farm | Tracy Gunn | 1760 Brevard Rd, Hendersonvlle, NC, 28791-3202 | 6.8 | |
| State Farm | Diane Bauknight | 5 Long Shoals Rd, Arden, NC, 28704-7783 | 8.6 | |
| State Farm | Charles Wolfe | 180 Webster Road, Sylva, NC, 28779-9688 | 44.5 | |
| Allstate | Ins Serv Associates | 193 Walnut Ave, Spruce Pine, NC, 28777 | 40.9 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| North Carolina | $161,000 | $894 | $650 | $1,270 | $620 |
| Henderson County, NC | $193,200 | $966 | $660 | $1,320 | $660 |
| Clear Creek, NC | $140,100 | $681 | $490 | $970 | $480 |
| Balfour, NC | $158,400 | $884 | $600 | $1,250 | $650 |
| Biltmore Forest, NC | $848,700 | $794 | $530 | $1,140 | $610 |
| Mills River, NC | $201,000 | $865 | $620 | $1,200 | $580 |
| Spindale, NC | $89,300 | $566 | $380 | $790 | $410 |
| Marion, NC | $108,700 | $621 | $420 | $860 | $440 |
| Haywood County, NC | $175,900 | $909 | $610 | $1,250 | $640 |
| Nebo, NC | $136,400 | $795 | $570 | $1,090 | $520 |
| Startex, SC | $57,900 | $367 | $250 | $520 | $270 |
| Glen Alpine, NC | $109,000 | $669 | $470 | $920 | $450 |
| Barkers Creek, NC | $139,600 | $809 | $560 | $1,140 | $580 |