Gavop shows you how to buy homeowners insurance in Lincoln County, NC by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Lincoln 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 | |
| Narrow Ln, Rosebury Ln, Halite Ln, Bradley Ct, State Rd 1414, Riverstone Dr, Sierra Ln, Triangle Cir, Windsor Woods Dr, Carla Ct | $204,000 | $170,000 | $175,000-$200,000 | $122,500 | $110,000 | $125,000-$150,000 |
| State Rd 1595, State Rd 1293, Lancrest Ln, State Rd 1258, Fostall Rd, Norville Rd, Luckey Point Rd, State Rd 1179, Isle of Pines Dr, Tomes Rd | $200,500 | $190,000 | $200,000-$250,000 | $158,500 | $130,000 | $150,000-$175,000 |
| Henry Dellinger Rd, Joe Ross St, State Rd 1463, Mutual Way, Hill Rd, State Rd 1403, Clover Ln, State Rd 1362, Hubbard St, High Knoll Rd | $146,000 | $130,000 | $125,000-$150,000 | $78,500 | $60,000 | $50,000-$75,000 |
| Brotherton Rd, King Wilkinson Rd, Hoyle St, Jericho Ln, Smith Farm Rd, Railroad St, Bumgarner James Ln, State Rd 1573, J E Carpenter Rd, Sain Milling Rd | $103,500 | $90,000 | $100,000-$125,000 | $61,500 | $60,000 | $50,000-$75,000 |
| Lincolnview Three Rd, Will St, State Rd 1489, State Rd 1289, Potter House Ln, Augusta Ridge Ct, Anchor Ln, Mountcrest Ln, Wesson Rd, Pinewood Dr | $348,500 | $320,000 | $300,000-$350,000 | $231,500 | $210,000 | $175,000-$200,000 |
| Pettus Ln, Lee Ave, Laban's Ln, Tranquility Ln, Lakeview Dr, Jeb Seagle Dr, State Rd 1285, N Hwy 321, Rolling Rd, State Rd 1673 | $157,500 | $140,000 | $125,000-$150,000 | $103,000 | $80,000 | $100,000-$125,000 |
| Gallup Ln, Hollow Rd, Tiny Trl, State Rd 1356, S Laurel St, Blue Dory Ln, Hillard Brittain Trl, State Rd 1652, State Rd 1385, State Rd 1257 | $141,500 | $110,000 | $125,000-$150,000 | $87,500 | $80,000 | $50,000-$75,000 |
| State Rd 1225, Willow Farm Dr, Cornett Dr, Salem Rd, Park Cir, State Rd 1517, Avocet Dr, Jessica Ann Rd, State Rd 1149, State Rd 1321 | $245,000 | $200,000 | $200,000-$250,000 | $168,500 | $160,000 | $150,000-$175,000 |
| Lucy M Schrader Trl, Reep Hill Trl, Natural Spring Ln, Cactus Ln, Arrowood Ln, Victory Grove Church Rd, Leatherman Rd, Finger Mill Rd, W Main St, Field Crest Ln | $196,000 | $170,000 | $200,000-$250,000 | $151,500 | $140,000 | $150,000-$175,000 |
| Proctor St, Mariposa Rd, Miners Rd, Morning Dew Ct, Burnwood Trl, Forney Ave, Lyndsey Brook Ct, Grandview Ln, Amsbury Ln, Eva Ct | $100,500 | $80,000 | $100,000-$125,000 | $102,500 | $80,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$120 | $738 |
| Superior Protection Discount | -$77 | $781 |
| Fire & Security Discount | -$94 | $764 |
| Hail Resistant Roof Discount | -$17 | $841 |
| Newly Constructed Home Discount | -$240 | $618 |
| 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 |
| Lincoln County | $1,000 | $848 | $1,848 | $616 | $1,616 | $232 |
| Lincoln County, NC | $1,500 | $848 | $2,348 | $616 | $2,116 | $232 |
| Davidson, NC | $100 | $1,434 | $1,534 | $1,042 | $1,142 | $392 |
| Cramerton, NC | $700 | $1,066 | $1,766 | $775 | $1,475 | $291 |
| Barringer, NC | $500 | $679 | $1,179 | $493 | $993 | $186 |
| Taylorsville, NC | $2,000 | $643 | $2,643 | $467 | $2,467 | $176 |
| Concord, NC | $400 | $910 | $1,310 | $661 | $1,061 | $249 |
| Landis, NC | $1,500 | $820 | $2,320 | $596 | $2,096 | $224 |
| Kings Creek, NC | $200 | $636 | $836 | $462 | $662 | $174 |
| Hickory Grove, SC | $1,000 | $760 | $1,760 | $552 | $1,552 | $208 |
| Macedonia, SC | $100 | $669 | $769 | $486 | $586 | $183 |
| Calahaln, NC | $2,000 | $786 | $2,786 | $572 | $2,572 | $215 |
| Home Insurance Company Lincoln County, NC | Homeowners Insurance Agency Lincoln County, NC | Address | Popularity Score | Distance from Lincoln County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Swimmer Insurance Agency | 725 Providence Rd, Charlotte, NC, 28207 | 30.1 | |
| State Farm | Joe Ricci | 20315 Knox Rd Ste A, Cornelius, NC, 28031-6586 | 19.8 | |
| State Farm | Sarah Harris | 7845 Colony Road Ste C5, Charlotte, NC, 28226-7678 | 35.3 | |
| Erie | Morrow Insurance & Associates | 155a S Eastway Drive, Troutman, NC, 28166 | 24.0 | |
| State Farm | Alex Williamson | 4108 Park Rd Ste 106, Charlotte, NC, 28209-4207 | 30.2 | |
| State Farm | Maeghan Mckenzie | 819 Central Ave, Charlotte, NC, 28204-2025 | 29.2 | |
| Travelers | Deal Insurance Group | 810 N Moravian St, Wilkesboro, NC, 28697 | 45.5 | |
| Travelers | Pegram Mitchell Insurance Agency | 106 B W Arrowood Road, Charlotte, NC, 28217 | 30.7 | |
| Liberty Mutual Independent | Ecm Solutions | 4000 Park Rd, Charlotte, NC, 28209 | 30.1 | |
| Allstate | Hope A Thomas | 901 S Sterling St, Morganton, NC, 28655 | 30.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| North Carolina | $161,000 | $894 | $640 | $1,260 | $620 |
| Lincoln County, NC | $158,700 | $858 | $610 | $1,230 | $620 |
| Lincoln County, NC | $158,700 | $858 | $630 | $1,210 | $580 |
| Davidson, NC | $384,000 | $1,452 | $990 | $2,050 | $1,060 |
| Cramerton, NC | $216,700 | $1,079 | $720 | $1,500 | $780 |
| Barringer, NC | $141,800 | $687 | $460 | $970 | $510 |
| Taylorsville, NC | $115,300 | $651 | $460 | $920 | $460 |
| Concord, NC | $179,200 | $921 | $660 | $1,270 | $610 |
| Landis, NC | $144,600 | $830 | $560 | $1,150 | $590 |
| Kings Creek, NC | $103,900 | $644 | $430 | $920 | $490 |
| Hickory Grove, SC | $111,700 | $769 | $550 | $1,100 | $550 |
| Macedonia, SC | $105,500 | $677 | $490 | $930 | $440 |
| Calahaln, NC | $136,600 | $796 | $580 | $1,140 | $560 |