Gavop's guide to buying homeowners insurance in Cullowhee, NC covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $70,500 | $60,000 | $75,000-$100,000 |
| 2 Bedroom | $176,000 | $150,000 | $175,000-$200,000 |
| 3 Bedroom | $243,000 | $230,000 | $200,000-$250,000 |
| 4 Bedroom | $297,000 | $240,000 | $200,000-$250,000 |
| 5 Bedroom | $299,000 | $270,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$137 | $775 |
| Superior Protection Discount | -$82 | $829 |
| Fire & Security Discount | -$82 | $829 |
| Hail Resistant Roof Discount | -$27 | $884 |
| Newly Constructed Home Discount | -$255 | $656 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,794 |
| Physical Damage | $2,440 |
| Hail Damage | $4,618 |
| Wind Damage | $6,687 |
| Expensive Claims | |
| Fire | $46,016 |
| Smoke | $16,218 |
| Home Insurance Company Cullowhee, NC | Homeowners Insurance Agency Cullowhee, NC | Address | Popularity Score | Distance from Cullowhee (miles) |
|---|---|---|---|---|
| Travelers | Brevard Insurance Agency Inc | 32 East Jordan St., Brevard, NC, 28712 | 25.5 | |
| Allstate | Dalton Insurance Agency Of The Carolinas | 163 Main St Ste 1, Rosman, NC, 28772 | 22.7 | |
| Travelers | Smith Insurance Services Inc | 60 Woody Hampton Rd, Sylva, NC, 28779 | 5.4 | |
| Travelers | Brevard Insurance Agency Inc | 32 E Jordan St, Brevard, NC, 28712 | 25.6 | |
| Liberty Mutual Independent | Dan Gilbert Insurance | 3741 Hendersonville Road, Fletcher, NC, 28732 | 39.3 | |
| Allstate | Myra Mente | 36 Marsh Lily Dr, Sylva, NC, 28779 | 6.2 | |
| Allstate | Donnie Andrews | 255 Smokey Park Hwy, Asheville, NC, 28806 | 35.8 | |
| State Farm | Beth Dunaway | 38 S Main St, Waynesville, NC, 28786-6701 | 17.0 | |
| Allstate | Moore Insurance | 157 Highway 64 W, Hayesville, NC, 28904 | 40.8 | |
| State Farm | Meredith Baldridge | 120 E Main St Ste 202, Brevard, NC, 28712 | 25.7 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| North Carolina | $161,000 | $894 | $600 | $1,240 | $640 |
| Jackson County, NC | $177,200 | $914 | $660 | $1,310 | $650 |
| Cullowhee, NC | $218,700 | $911 | $670 | $1,260 | $590 |
| Millshoal, NC | $165,500 | $910 | $630 | $1,260 | $630 |
| Glenville, NC | $318,800 | $1,375 | $1,000 | $1,950 | $950 |
| Hogback, NC | $199,100 | $1,024 | $700 | $1,440 | $740 |
| West Canton, NC | $130,800 | $771 | $520 | $1,060 | $540 |
| Pittman Center, TN | $212,500 | $1,187 | $820 | $1,700 | $880 |
| Hayesville, NC | $150,600 | $854 | $620 | $1,180 | $560 |
| Cocke County, TN | $107,200 | $863 | $610 | $1,220 | $610 |
| Walland, TN | $186,100 | $1,130 | $810 | $1,620 | $810 |
| Parrottsville, TN | $73,200 | $751 | $540 | $1,040 | $500 |
| Blount County, TN | $169,500 | $1,014 | $700 | $1,440 | $740 |