Gavop's guide to buying homeowners insurance in Troy, 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.
| Troy, 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 | |
| Hurricane Dr, State Rd 1150, 6th Ave, State Rd 1540, State Rd 1552, Lanyard Trl, T & T Farms Trl, Blake Loop Rd, State Rd 1182, Leach St | $69,500 | $60,000 | $50,000-$75,000 | $82,000 | $80,000 | $75,000-$100,000 |
| Starboard Trl, Triumph St, Seneca Trl, Suggs Rd, State Rd 1192, State Rd 1355, Sedberry Rd, Logan Dr, King Rd, Tamara Dr | $108,000 | $90,000 | $125,000-$150,000 | $55,500 | $50,000 | $50,000-$75,000 |
| Mullinix Rd, State Rd 1361, Greene Acres Ln, Olewagon Trl, Tobacco Barn Rd, Woodline Dr, Inzer Dr, Gap Rd, State Hwy 731 W, State Rd 1311 | $100,500 | $80,000 | $75,000-$100,000 | $57,500 | $50,000 | $25,000-$50,000 |
| Anchor Dr, State Hwy 24 27 W, Bird Haven Ln, Nance Farm Rd, Gregory Dr, Memory Ln, Hawkeye Cir, State Rd 1171, Butler Coggins Dr, Guilford St | $102,000 | $90,000 | $100,000-$125,000 | $72,500 | $60,000 | $75,000-$100,000 |
| State Rd 1160, East Ln, Callicutt Rd, Rock Hill Dr, Spruce St, State Rd 1516, Dusty Level Rd, W College St, Neighbors Point Rd, Lookout Trl | $160,000 | $140,000 | $125,000-$150,000 | $97,000 | $80,000 | $75,000-$100,000 |
| Silas St, Hicks Pl, Morgan Rd, State Rd 1188, US Hwy 220 Alt S, State Rd 1348, Charlottes Cir, Baldwin Dr, Roxboro Ct, State Rd 1588 | $86,000 | $70,000 | $75,000-$100,000 | $56,500 | $50,000 | $50,000-$75,000 |
| E Broughton St, Asbury Church Rd, Evergreen Dr, Deerfield Rd, Robedo Rd, Family Cir, State Rd 1134, Windemere Point Dr, Deere Ln, State Rd 1551 | $146,000 | $130,000 | $150,000-$175,000 | $70,000 | $60,000 | $50,000-$75,000 |
| USFS Rd 553, Woodland Dr, Catfish Ln, Glenbrook Spring, State Rd 1612, Clay Dr, Ann Dr, Abbey Ln, Landfill Rd, Beulah Ln | $66,000 | $60,000 | $50,000-$75,000 | $93,000 | $80,000 | $75,000-$100,000 |
| N Depot St, Allred Post Office Rd, Depot St, Canyon Loop, Powder Horn Trl, State Rd 1509, Roberts Ridge Rd, State Rd 1565, Twin Bluff Trl, Bowles Rd | $78,000 | $70,000 | $50,000-$75,000 | $65,000 | $60,000 | $50,000-$75,000 |
| George Dr, State Rd 1135, Salisbury Dr, Mountain Creek Dr, Black Ankle Rd, Martin St, Mill St, Aileen Ave, Sleepy Cove Trl, Walnut Dr | $102,500 | $90,000 | $75,000-$100,000 | $62,000 | $60,000 | $50,000-$75,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$147 | $717 |
| Superior Protection Discount | -$86 | $777 |
| Fire & Security Discount | -$86 | $777 |
| Hail Resistant Roof Discount | -$17 | $846 |
| Newly Constructed Home Discount | -$173 | $691 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,216 |
| Physical Damage | $2,488 |
| Hail Damage | $4,524 |
| Wind Damage | $6,624 |
| Expensive Claims | |
| Fire | $45,123 |
| Smoke | $15,884 |
| Home Insurance Company Troy, NC | Homeowners Insurance Agency Troy, NC | Address | Popularity Score | Distance from Troy (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Barnett-Smith Insurance | 218 N Eugene Street, Greensboro, NC, 27401 | 49.9 | |
| Allstate | John Rose | 1592 Concord Pkwy N, Concord, NC, 28025 | 40.8 | |
| Allstate | Benny Harris | 1429 E Main St, Albemarle, NC, 28001 | 15.9 | |
| Erie | Cantley Insurance & Financial Services | 2101 Sardis Road North Suite 108, Charlotte, NC, 28227 | 49.6 | |
| Allstate | Charles Montjoy | 115 E Salisbury St, Robbins, NC, 27325 | 18.1 | |
| Nationwide | Michael Y. Baucom | 300 E John St Suite 150, Matthews, NC, 28105-4939 | 49.6 | |
| Travelers | Advantage Insurance | 160 North 1st St Ste 33, Albemarle, NC, 28001 | 17.3 | |
| Nationwide | David R Hemric | 2101 Sardis Rd N - Box 8 Ste 103, Charlotte, NC, 28227-7713 | 49.6 | |
| Nationwide | Stanley K Beck | 150 Magnolia Square Ct, Aberdeen, NC, 28315-2225 | 30.2 | |
| State Farm | Lou Lagana | 101 Oakley Dr, Harrisburg, NC, 28075-9401 | 43.4 |
| 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 | $1,220 | $580 |
| Montgomery County, NC | $105,900 | $608 | $410 | $860 | $450 |
| Troy, NC | $95,900 | $864 | $590 | $1,190 | $600 |
| Franklinville, NC | $94,500 | $864 | $630 | $1,230 | $600 |
| Mount Pleasant, NC | $175,200 | $945 | $650 | $1,340 | $690 |
| Furr, NC | $152,400 | $723 | $480 | $1,020 | $540 |
| Gold Hill, NC | $117,100 | $659 | $450 | $900 | $450 |
| Davidson County, NC | $134,800 | $765 | $550 | $1,090 | $540 |
| Spring Hill, NC | $72,000 | $856 | $620 | $1,220 | $600 |
| Lee County, NC | $138,400 | $780 | $550 | $1,080 | $530 |
| Pleasant Garden, NC | $158,500 | $884 | $590 | $1,260 | $670 |
| Hoke County, NC | $137,700 | $777 | $560 | $1,080 | $520 |
| Clay, NC | $174,800 | $793 | $580 | $1,090 | $510 |