Gavop's guide to buying homeowners insurance in Alexander 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 | $41,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $93,000 | $80,000 | $75,000-$100,000 |
| 3 Bedroom | $147,000 | $120,000 | $125,000-$150,000 |
| 4 Bedroom | $134,500 | $130,000 | $125,000-$150,000 |
| 5 Bedroom | $320,000 | $290,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$105 | $647 |
| Superior Protection Discount | -$68 | $685 |
| Fire & Security Discount | -$83 | $670 |
| Hail Resistant Roof Discount | -$15 | $738 |
| Newly Constructed Home Discount | -$203 | $549 |
| 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 |
| Alexander County | $700 | $744 | $1,444 | $540 | $1,240 | $203 |
| Alexander County, NC | $700 | $744 | $1,444 | $540 | $1,240 | $203 |
| Brushy Mountain, NC | $200 | $812 | $1,012 | $590 | $790 | $222 |
| Chambersburg, NC | $1,500 | $638 | $2,138 | $464 | $1,964 | $174 |
| Smoky Creek, NC | $300 | $657 | $957 | $477 | $777 | $180 |
| Bald Mountain, NC | $2,000 | $1,213 | $3,213 | $882 | $2,882 | $332 |
| Farmington, NC | $300 | $827 | $1,127 | $601 | $901 | $226 |
| Fulton, NC | $2,000 | $907 | $2,907 | $659 | $2,659 | $248 |
| Clemmonsville, NC | $500 | $908 | $1,408 | $660 | $1,160 | $248 |
| Kingstown, NC | $1,000 | $505 | $1,505 | $367 | $1,367 | $138 |
| Home Insurance Company Alexander County, NC | Homeowners Insurance Agency Alexander County, NC | Address | Popularity Score | Distance from Alexander County (miles) |
|---|---|---|---|---|
| Erie | Johnson Insurance Group Inc. | 1905 E Garrison Blvd, Gastonia, NC, 28054 | 46.1 | |
| Erie | Oconnor Insurance Associates Inc. | 1973 J N Pease Place Suite 203, Charlotte, NC, 28262 | 47.2 | |
| State Farm | Joy Whitlatch | 2743 B Nc Hwy 105 S, Boone, NC, 28607 | 35.2 | |
| Erie | Trey W Siner Insurance & Investment Group | 247 Church Street N, Concord, NC, 28025 | 48.0 | |
| Nationwide | Kevin Brewer & Associates Inc. | 8310 University Exec Park Ste 505, Charlotte, NC, 28262-3383 | 48.9 | |
| Travelers | Whitley - Reavis Insurance | 6201 Towncenter Drive Ste 110, Clemmons, NC, 27012 | 45.1 | |
| Nationwide | Bill Moore Agency Inc. | 1823 Davie Ave, Statesville, NC, 28677 | 19.5 | |
| Travelers | Southlake Insurance Services Inc | 8604 Cliff Cameron Dr Ste 110, Charlotte, NC, 28269 | 46.9 | |
| Travelers | Whitley - Reavis Insurance | 6201 Towncenter Drive Suite 110, Clemmons, NC, 27012 | 45.1 | |
| Nationwide | Mark Jennings Agency | 122 Avalon Dr Ste C, Salisbury, NC, 28146-7023 | 44.6 |
| 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 |
| Alexander County, NC | $131,800 | $753 | $500 | $1,040 | $540 |
| Alexander County, NC | $131,800 | $753 | $510 | $1,080 | $570 |
| Brushy Mountain, NC | $142,700 | $822 | $590 | $1,130 | $540 |
| Chambersburg, NC | $130,300 | $646 | $450 | $890 | $440 |
| Smoky Creek, NC | $108,200 | $665 | $490 | $950 | $460 |
| Bald Mountain, NC | $268,600 | $1,228 | $880 | $1,760 | $880 |
| Farmington, NC | $251,100 | $838 | $560 | $1,180 | $620 |
| Fulton, NC | $167,600 | $918 | $660 | $1,300 | $640 |
| Clemmonsville, NC | $222,000 | $919 | $620 | $1,300 | $680 |
| Kingstown, NC | $79,700 | $511 | $350 | $730 | $380 |