Gavop's guide to buying homeowners insurance in Dare County, 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 | $114,000 | $100,000 | $100,000-$125,000 |
| 2 Bedroom | $224,500 | $200,000 | $200,000-$250,000 |
| 3 Bedroom | $326,500 | $300,000 | $350,000-$400,000 |
| 4 Bedroom | $406,500 | $380,000 | $400,000-$500,000 |
| 5 Bedroom | $658,000 | $530,000 | $600,000-$700,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$225 | $960 |
| Superior Protection Discount | -$118 | $1,066 |
| Fire & Security Discount | -$95 | $1,090 |
| Hail Resistant Roof Discount | -$24 | $1,161 |
| Newly Constructed Home Discount | -$344 | $841 |
| 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 |
| Dare County | $2,500 | $1,171 | $3,671 | $851 | $3,351 | $320 |
| Dare County, NC | $2,500 | $1,171 | $3,671 | $851 | $3,351 | $320 |
| Dare County, NC | $400 | $1,171 | $1,571 | $851 | $1,251 | $320 |
| Wanchese, NC | $1,000 | $1,000 | $2,000 | $727 | $1,727 | $273 |
| Gum Neck, NC | $100 | $543 | $643 | $395 | $495 | $149 |
| Lake Landing, NC | $1,500 | $492 | $1,992 | $358 | $1,858 | $134 |
| Atlantic, NC | $400 | $947 | $1,347 | $688 | $1,088 | $259 |
| Southern Shores, NC | $1,000 | $1,909 | $2,909 | $1,387 | $2,387 | $522 |
| Scuppernong, NC | $300 | $600 | $900 | $436 | $736 | $164 |
| Home Insurance Company Dare County, NC | Homeowners Insurance Agency Dare County, NC | Address | Popularity Score | Distance from Dare County (miles) |
|---|---|---|---|---|
| Nationwide | Midgett Insurance Agency | 3900 N Croatan Highway, Kitty Hawk, NC, 27949-3836 | 32.0 | |
| Allstate | Outer Banks Insurance Agency | 2009 S Croatan Hwy , Kill Devil Hills, NC, 27948 | 27.6 | |
| Nationwide | Weatherly Insurance Agency Inc | 301 Main Street Po Box 192, Columbia, NC, 27925 | 34.7 | |
| Allstate | Outer Banks Insurance Agency | 2009 S Croatan Hwy, Kill Devil Hills, NC, 27948 | 27.5 | |
| Liberty Mutual Independent | Towne Insurance Agency Llc Dba Southern Insurance | 4112 N Croatan Hwy, Kitty Hawk, NC, 27949 | 32.4 | |
| Liberty Mutual Independent | J. Fletcher Willey Agcy Inc. | 103 W Wood Hill Dr Ste C, Nags Head, NC, 27959 | 26.4 | |
| Nationwide | Weatherly Insurance Agency Inc | 2810 N Croatan Hwy, Kill Devil Hills, NC, 27948-9267 | 30.8 | |
| State Farm | Kimberly Carroll | 8474 Caratoke Highway, Powells Point, NC, 27966-9779 | 35.2 | |
| State Farm | Steven Gillis | 6580 Caratoke Highway, Grandy, NC, 27939 | 43.8 | |
| State Farm | Kimberly Carroll | 8474 Caratoke Hwy, Powells Point, NC, 27966-9778 | 35.2 |
| 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 |
| Dare County, NC | $285,000 | $1,185 | $840 | $1,670 | $830 |
| Dare County, NC | $285,000 | $1,185 | $790 | $1,690 | $900 |
| Dare County, NC | $285,000 | $1,185 | $820 | $1,620 | $800 |
| Wanchese, NC | $195,300 | $1,012 | $740 | $1,430 | $690 |
| Gum Neck, NC | $86,400 | $550 | $400 | $780 | $380 |
| Lake Landing, NC | $77,500 | $498 | $360 | $700 | $340 |
| Atlantic, NC | $309,800 | $958 | $680 | $1,320 | $640 |
| Southern Shores, NC | $446,500 | $1,932 | $1,330 | $2,720 | $1,390 |
| Scuppernong, NC | $96,900 | $607 | $430 | $840 | $410 |