How Can I Make My Avery County, NC Home Insurance Cheaper

Gavop's guide to buying homeowners insurance in Avery 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.

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Select the Suitable Coverage Value for your Avery County, NC Home | Back to Top

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $73,500 $60,000 $50,000-$75,000
2 Bedroom $147,500 $120,000 $125,000-$150,000
3 Bedroom $155,000 $140,000 $125,000-$150,000
4 Bedroom $269,500 $240,000 $300,000-$350,000
5 Bedroom $434,500 $410,000 $400,000-$500,000

Choose the Best Avery County, NC Home Insurance Premium for your Background | Back to Top

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Freelancer 600-649 Credit Score $50 to $75,000 3 Pets, Non-Smoker $610
Unemployed 750-799 Credit Score <$25,000 No Pets, Smoker $780
Part Time Job Up to 499 Credit Score <$25,000 2 Pets, Smoker $380

Choose the Right Deductible for your Avery County, NC Home | Back to Top

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
North Carolina $400 $720 $1,120 $590 $990 $130
Avery County, NC $1,000 $710 $1,210 $580 $1,580 $-370
Avery County, NC $1,500 $830 $1,330 $680 $2,180 $-850
Valle Crucis, NC $500 $1,380 $1,880 $1,120 $1,620 $260
North Cove, NC $1,000 $510 $1,010 $420 $1,420 $-410
Smoky Creek, NC $500 $600 $1,100 $510 $1,010 $90
Drexel, NC $1,500 $600 $1,100 $490 $1,990 $-890
Morganton, NC $500 $590 $1,090 $490 $990 $100
Bluff City, TN $700 $500 $1,000 $430 $1,130 $-130
Montford Cove, NC $100 $400 $500 $330 $430 $70
Bandy's, NC $2,500 $510 $1,010 $420 $2,920 $-1,910
Fall Branch, TN $200 $470 $670 $390 $590 $80
Madison County, NC $1,000 $750 $1,250 $650 $1,650 $-400

Identify Top Home Insurance Agents near Avery County, NC | Back to Top

Home Insurance Company Avery County, NC Homeowners Insurance Agency Avery County, NC Address Popularity Score Distance from Avery County (miles)
Travelers Younce Insurance Agency Inc 808 Harper Ave, Lenoir, NC, 28645
24.0
State Farm Stephanie Barker 206 Southgate Drive Suite 21a, Boone, NC, 28607-6250
16.9
State Farm Jared Corey 2115 Catawba Valley Blvd Se, Hickory, NC, 28602-4151
43.2
Nationwide Fotheringham & Associates Inc. 430 1st Ave Nw, Hickory, NC, 28601-6125
39.9
Nationwide Rick Hamby Agency Inc 423 4th St Sw, Hickory, NC, 28602
40.1
Erie Blue Ridge Insurance Service Inc. 2208 Us Highway 421 N Suite 2, Boone, NC, 28607
15.8
Travelers Fortner Insurance Agency Inc 156 Main St East, Banner Elk, NC, 28604
6.8
Allstate Keith Godwin 324 Us Highway 70 Sw, Hickory, NC, 28602
40.6
Allstate Timothy Edward Schwab 118 N College Ave Ste 6, Newton, NC, 28658
48.3
Travelers Fortner Insurance Agency Inc 156 Main Street E , Banner Elk, NC, 28604
6.9

Compare Rates for Avery County, NC Home Insurance Providers | Back to Top

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Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
North Carolina $153,600 $610 $420 $860 $440
Avery County, NC $155,400 $780 $520 $1,080 $560
Avery County, NC $155,400 $730 $520 $1,040 $520
Valle Crucis, NC $369,000 $1,730 $1,180 $2,390 $1,210
North Cove, NC $93,100 $530 $360 $730 $370
Smoky Creek, NC $153,600 $780 $530 $1,080 $550
Drexel, NC $119,800 $500 $360 $690 $330
Morganton, NC $119,800 $630 $420 $880 $460
Bluff City, TN $92,800 $450 $320 $630 $310
Montford Cove, NC $92,400 $490 $340 $680 $340
Bandy's, NC $128,100 $730 $530 $1,010 $480
Fall Branch, TN $114,000 $540 $370 $750 $380
Madison County, NC $159,400 $830 $560 $1,170 $610