Gavop tells you how to get the best homeowners insurance in Polk County, NC by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
| Polk County, NC - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Florida Ave, Windswept Ln, Hidden House Ln, State Rd 1356, Maple St, State Hwy 108 E, Carron Cove Ln, Acorn Ln, Rabun Run, Mayfield Ln | $251,500 | $220,000 | $200,000-$250,000 | $178,000 | $160,000 | $150,000-$175,000 |
| Lasae Ln, Church St, Blackwood Rd, Piney Mtn Rd, Cleveland Rd, Dug Hill Trl, Mockingbird Hill Ln, Over the Way, Oak Ln, Lynn Rd | $210,000 | $180,000 | $200,000-$250,000 | $133,500 | $120,000 | $150,000-$175,000 |
| Herbert Thompson Ln, Carson St, Holbert Dr, Red Fox Rd, Brewery Ln, Hidden Valley Ln, Regan Jackson Rd, Radar Rd, Alexander Cir, John Smith Rd | $116,000 | $100,000 | $125,000-$150,000 | $135,500 | $130,000 | $125,000-$150,000 |
| Indian Creek Ln, Fox Meadows Rd, State Rd 1176, Frank Wilson Ln, Horseshoe Curve Rd, Red Mountain School, Canary Ln, State Rd 1506, Honeyhill Ln, W Howard St | $146,500 | $140,000 | $125,000-$150,000 | $143,500 | $130,000 | $150,000-$175,000 |
| Jamestown Ln, Charleston Harbor Dr, Knoll Dr, County Line Rd S, Boulder Ln, State Rd 1550, Melrose Ave Exn, Hunting Country Rd, US Hwy 176, Stevens St | $146,000 | $130,000 | $150,000-$175,000 | $109,500 | $90,000 | $125,000-$150,000 |
| Woody Cir, Scoggins Rd, Levi Rd, Embury St, E Howard St, Adawehi Ln, Buck Creek Dr, Rippy Rd, Laughter Rd, Crosswinds Rd | $122,000 | $100,000 | $100,000-$125,000 | $65,500 | $50,000 | $50,000-$75,000 |
| Day Lily Ln, Hickory Nut Dr, 1st St, Woodmere Dr, Bill Helton Rd, Glengarnock Rd, Upper Ridgeview Rd, Abrams and Moore Rd, Village Park Ln, Den Ln | $165,000 | $140,000 | $150,000-$175,000 | $121,500 | $110,000 | $125,000-$150,000 |
| State Rd 1150, Horne Rd, Case St, Green St, Deer Trl, Park Rd, Firefly Ln, Prayer Tree Ln, Agner Ln, Hillside Ct | $148,500 | $120,000 | $175,000-$200,000 | $113,000 | $90,000 | $75,000-$100,000 |
| Lone Pine Dr, Club Rd, State Hwy 9 S, State Hwy 9 N, Burt Blackwell Rd, Stonewater Ln, State Rd 1115, Coxe Rd, State Rd 1160, State Rd 1121 | $109,500 | $100,000 | $100,000-$125,000 | $136,500 | $120,000 | $125,000-$150,000 |
| Harmon Field Rd, Haley's Haven Ln, Bishop Ln, Wagon Ln, Grassy Knob Rd, Metcalf St, Amos Miller Ln, Morrison Ln, Nottingham Dr, Ozone Dr | $203,000 | $190,000 | $175,000-$200,000 | $167,000 | $140,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$167 | $711 |
| Superior Protection Discount | -$79 | $799 |
| Fire & Security Discount | -$79 | $799 |
| Hail Resistant Roof Discount | -$26 | $851 |
| Newly Constructed Home Discount | -$228 | $650 |
| 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 |
| Polk County | $700 | $867 | $1,567 | $630 | $1,330 | $237 |
| Polk County, NC | $2,500 | $867 | $3,367 | $630 | $3,130 | $237 |
| Sulphur Springs, NC | $200 | $580 | $780 | $421 | $621 | $158 |
| Green River, NC | $1,000 | $1,031 | $2,031 | $750 | $1,750 | $282 |
| Royal Pines, NC | $500 | $1,103 | $1,603 | $801 | $1,301 | $301 |
| Black Mountain, NC | $700 | $879 | $1,579 | $639 | $1,339 | $240 |
| Greenville County, SC | $100 | $990 | $1,090 | $719 | $819 | $270 |
| Buncombe County, NC | $1,000 | $972 | $1,972 | $706 | $1,706 | $266 |
| Pickens, SC | $100 | $642 | $742 | $466 | $566 | $175 |
| Patterson Springs, NC | $2,500 | $494 | $2,994 | $359 | $2,859 | $135 |
| Simpsonville, SC | $100 | $1,072 | $1,172 | $779 | $879 | $293 |
| North Brook, NC | $2,500 | $671 | $3,171 | $487 | $2,987 | $183 |
| Home Insurance Company Polk County, NC | Homeowners Insurance Agency Polk County, NC | Address | Popularity Score | Distance from Polk County (miles) |
|---|---|---|---|---|
| Allstate | Mcdaniel-Scott Agency | 404 Cherryville Rd, Shelby, NC, 28150 | 37.5 | |
| Travelers | Farris Insurance Agency Inc | 1101 Us Highway 70, Connelly Springs, NC, 28612 | 49.3 | |
| State Farm | Dan Hyder | 356 W Main St, Spindale, NC, 28160-1594 | 14.4 | |
| Allstate | John Brown | 503 E Main St, Cherryville, NC, 28021 | 45.3 | |
| Travelers | Davidson Insurance Agency | 1205 Shelby Road, Kings Mountain, NC, 28086 | 45.3 | |
| Travelers | Davidson Insurance Agency | 1205 Shelby Rd, Kings Mountain, NC, 28086 | 45.3 | |
| State Farm | Robin Brackett | 941 E Marion St Ste 2, Shelby, NC, 28150-4740 | 36.6 | |
| Allstate | Brian Davis | 52 S Main St, Weaverville, NC, 28787 | 36.3 | |
| Allstate | Timothy Hoffman | 155 W Mills St Ste 106, Columbus, NC, 28722 | 2.7 | |
| State Farm | Syna Lewis | 11899 Highway 226 South, Spruce Pine, NC, 28777 | 42.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| North Carolina | $161,000 | $894 | $620 | $1,280 | $660 |
| Polk County, NC | $205,500 | $878 | $590 | $1,220 | $630 |
| Polk County, NC | $205,500 | $878 | $600 | $1,250 | $650 |
| Sulphur Springs, NC | $101,500 | $587 | $400 | $830 | $430 |
| Green River, NC | $205,200 | $1,044 | $710 | $1,470 | $760 |
| Royal Pines, NC | $229,500 | $1,116 | $770 | $1,600 | $830 |
| Black Mountain, NC | $210,200 | $890 | $650 | $1,260 | $610 |
| Greenville County, SC | $165,600 | $1,002 | $680 | $1,410 | $730 |
| Buncombe County, NC | $209,800 | $984 | $660 | $1,370 | $710 |
| Pickens, SC | $112,300 | $649 | $440 | $900 | $460 |
| Patterson Springs, NC | $77,900 | $500 | $360 | $690 | $330 |
| Simpsonville, SC | $184,500 | $1,085 | $770 | $1,510 | $740 |
| North Brook, NC | $121,700 | $679 | $470 | $930 | $460 |