Gavop's guide to buying homeowners insurance in Wayne 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.
| Wayne 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 | |
| Grove Dr, Braxton Dr, Racegate Run, Amaziah Pl, Minnie Dr, R & M Cir, Ash Lndg, State Rd 1215, Hemlock St, N Martin Rd | $106,500 | $90,000 | $100,000-$125,000 | $88,000 | $70,000 | $75,000-$100,000 |
| 4th St, Boxwood Ln, Albert Dr, Lanetown Rd, Red Oak Dr, McLain St, Saulsberry Dr, Atlas Price Rd, W John St, Apple Tree Ln | $194,000 | $170,000 | $200,000-$250,000 | $97,000 | $90,000 | $75,000-$100,000 |
| W Williamson St, State Rd 1994, Adler Ln, N Torhunta Dr, Lariat Rd, Nancy Dr, Saddlewood Dr, Gardner Manor Dr, Charles St, Oxley Ave | $171,000 | $160,000 | $150,000-$175,000 | $95,500 | $80,000 | $75,000-$100,000 |
| Selfridge Rd, Lackland St, Birch Rd, Elliot Pl, Billy Price Rd, Lewis Ave, State Rd 1953, Stone Cutter Dr, Pheasant Dr, Mills Loop Rd | $103,500 | $100,000 | $100,000-$125,000 | $64,500 | $60,000 | $50,000-$75,000 |
| Price St, Hardy Talton Rd, Olive St, Ivey Ln, Diana Ln, Serenity Dr, W Mulberry St, Union St, Sandra Ln, State Rd 1995 | $174,500 | $160,000 | $175,000-$200,000 | $92,500 | $70,000 | $75,000-$100,000 |
| NW Center St, Bass Lake Dr, Robson Cir, Fussell Rd, Chafin Rd, SW Railroad St, North Carolina St, Pats Ln, Morgan Cir, W South St | $101,000 | $100,000 | $75,000-$100,000 | $69,000 | $60,000 | $50,000-$75,000 |
| Weston Cir, E Raintree Ln, N Durant St, Hamilton Dr, Carolina Dr, Public Dr, Tindale Pl, Quaker Dr, Martha's Ln, Courtland Ave | $120,500 | $110,000 | $125,000-$150,000 | $65,000 | $50,000 | $50,000-$75,000 |
| Topaz Ct, Forest View Dr, Shirley Dr, Winston Dr, Pinewood Cir, W Grantham St, Oak Tree Dr, Wayne Ct, Cross St, Saint John Church Rd | $136,000 | $120,000 | $125,000-$150,000 | $105,500 | $90,000 | $100,000-$125,000 |
| Newberry Ct, State Rd 1396, Angie Dr, S Seymour Dr, E Oak St, North Virginia St, State Rd 1144, State Rd 1521, Olive Ln, Nick Ln | $233,000 | $210,000 | $250,000-$300,000 | $165,000 | $130,000 | $150,000-$175,000 |
| Branchwater Pl, Walters Dr, Lariat Rd, Ashby Ln, State Rd 1352, Dave Howell Ln, Fechet St, State Rd 1704, Becton Cir, McKayla Ln | $213,000 | $180,000 | $200,000-$250,000 | $114,000 | $100,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$124 | $563 |
| Superior Protection Discount | -$69 | $618 |
| Fire & Security Discount | -$76 | $611 |
| Hail Resistant Roof Discount | -$14 | $673 |
| Newly Constructed Home Discount | -$179 | $508 |
| 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 |
| Wayne County | $2,500 | $679 | $3,179 | $493 | $2,993 | $185 |
| Wayne County, NC | $1,500 | $679 | $2,179 | $493 | $1,993 | $185 |
| Grantham, NC | $400 | $587 | $987 | $426 | $826 | $160 |
| Spivey's Corner, NC | $700 | $975 | $1,675 | $709 | $1,409 | $266 |
| Archer Lodge, NC | $300 | $845 | $1,145 | $614 | $914 | $231 |
| Sand Hill, NC | $2,000 | $521 | $2,521 | $378 | $2,378 | $142 |
| Zebulon, NC | $500 | $821 | $1,321 | $597 | $1,097 | $224 |
| Stony Creek, NC | $700 | $661 | $1,361 | $480 | $1,180 | $181 |
| South River, NC | $300 | $484 | $784 | $352 | $652 | $132 |
| Harris, NC | $700 | $709 | $1,409 | $515 | $1,215 | $194 |
| Union, NC | $200 | $635 | $835 | $462 | $662 | $174 |
| Wake Forest, NC | $1,500 | $1,106 | $2,606 | $804 | $2,304 | $302 |
| Home Insurance Company Wayne County, NC | Homeowners Insurance Agency Wayne County, NC | Address | Popularity Score | Distance from Wayne County (miles) |
|---|---|---|---|---|
| Travelers | Durfey-Hoover-Bowden Insurance | 3741 Benson Drive, Raleigh, NC, 27609 | 47.5 | |
| Allstate | Todd Mendler | 1215 Jones Franklin Rd Ste 205, Raleigh, NC, 27606 | 49.2 | |
| Liberty Mutual Independent | Creative Insurance Solutions | 1321 N Main St, Fuquay Varina, NC, 27526 | 46.3 | |
| Allstate | Colin Desouza | 278 W Millbrook Rd, Raleigh, NC, 27609 | 49.6 | |
| State Farm | Collin Clarke | 2339 Timber Dr Ste 200, Garner, NC, 27529-2518 | 42.8 | |
| State Farm | Christi Spencer | 3625 Rogers Rd Ste 103, Wake Forest, NC, 27587-7634 | 49.0 | |
| Erie | Matt Roberts Agency Inc. | 1151 Falls River Avenue Suite 105a, Raleigh, NC, 27614 | 49.9 | |
| Allstate | Paul Romero | 421 Chapanoke Rd Ste 114, Raleigh, NC, 27603 | 44.6 | |
| State Farm | Brendon Anderson | 807 Royall Ave, Goldsboro, NC, 27534-2537 | 2.4 | |
| Travelers | Moore & Johnson Agency | 3809 Computer Dr Ste 100, Raleigh, NC, 27609 | 47.9 |
| 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 | $1,260 | $640 |
| Wayne County, NC | $117,000 | $687 | $490 | $950 | $460 |
| Wayne County, NC | $117,000 | $687 | $460 | $950 | $490 |
| Grantham, NC | $94,400 | $594 | $430 | $850 | $420 |
| Spivey's Corner, NC | $187,500 | $987 | $720 | $1,350 | $630 |
| Archer Lodge, NC | $151,000 | $855 | $620 | $1,180 | $560 |
| Sand Hill, NC | $82,400 | $527 | $360 | $730 | $370 |
| Zebulon, NC | $145,000 | $831 | $570 | $1,140 | $570 |
| Stony Creek, NC | $136,500 | $669 | $480 | $920 | $440 |
| South River, NC | $76,100 | $490 | $330 | $670 | $340 |
| Harris, NC | $150,800 | $717 | $490 | $980 | $490 |
| Union, NC | $103,800 | $643 | $440 | $910 | $470 |
| Wake Forest, NC | $260,200 | $1,120 | $820 | $1,560 | $740 |