Gavop's guide to buying homeowners insurance in Kernersville, 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.
| Kernersville, 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 | |
| Tar Heel Ln, Vandyke St, Williams Farm Rd, Majestic Way Ct, Cedar Lake Ct, State Rd 4214, Pike Place Ct, Willow Bend Dr, Wesley Park Dr, Smokerise Ln | $182,000 | $160,000 | $200,000-$250,000 | $182,000 | $150,000 | $200,000-$250,000 |
| Laverne Ln, State Rd 2547, Oak Grove Rd, Windsor Park Rd, Oakmont Park Ct, Sr2089, Dora Dr, Drake Ct, Springridge Dr, Pine Forest Dr | $144,000 | $130,000 | $150,000-$175,000 | $161,500 | $150,000 | $125,000-$150,000 |
| Clay Flynt Rd, Grove Pines Ln, Kerner Knolls Rd, Gerry Dr, Saint Regis Ln, Tredegar Rd, Leston Gilbert Dr, Varner Dr, Hubbard Rd, Glidewell Ct | $192,500 | $170,000 | $200,000-$250,000 | $98,500 | $90,000 | $75,000-$100,000 |
| Brown Rd, State Rd 2038, Uppergate Ln, Glen Cross Dr, Old Belews Creek Rd, Applegate Ct, Oakmont Dr, Graves St, Birch Ln, Dean Rd | $239,500 | $220,000 | $200,000-$250,000 | $110,000 | $90,000 | $125,000-$150,000 |
| Raven Ridge Ct, Yankee Hollow Trl, Milton St, Copperfield Ct, Eagle Point Ct, Partridge Ln, Harris Ct, Linville Springs Rd, Birch Forest St, Bethel Church Rd | $94,500 | $80,000 | $75,000-$100,000 | $67,500 | $60,000 | $50,000-$75,000 |
| Aqua View Ct, Bethel Forest Dr, Round Hill Ct, Oak Garden Dr SE, Fdy Joyce Rd, State Rd 2015, Willow Creek Rd, Millis St, Timber Village Ct, Marla Ct | $229,500 | $190,000 | $250,000-$300,000 | $155,500 | $130,000 | $125,000-$150,000 |
| Westwood Dr, Unity Ln, Harmon Rd, Avery Way Ct, Deer Crossing Ln, Linville Rd, Pitts St, Old Highway 66 Cir, Broken Saddle Ln, Sr2079 | $204,500 | $180,000 | $150,000-$175,000 | $159,000 | $150,000 | $175,000-$200,000 |
| Fallfield Dr, Marietta Dr, Industrial Park Dr, Gravelawn Dr, Nottinghill Dr, Stone Meadow Dr SE, Monica Ct, Adams Gate Rd, Woodland Pointe Dr, Guthrie Ct | $131,000 | $120,000 | $100,000-$125,000 | $100,000 | $90,000 | $75,000-$100,000 |
| Church Ln, Woodbine St, Wimberly Way Ct, State Rd 2654, Oakmont Cir, Joyceland Rd, Tom Ct, Morris Rd, Kenton Dr, Rte 2137 | $170,000 | $150,000 | $150,000-$175,000 | $98,500 | $80,000 | $75,000-$100,000 |
| McCracken Rd, Tuxford Ln, Mar Vista Ln, Century Place Blvd, Saint Mary Dr, Woodstaff Dr, Hastings Hill Rd, Mountain View Dr, McCoy Dr, Wrangler Dr | $128,000 | $120,000 | $100,000-$125,000 | $172,000 | $150,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$108 | $663 |
| Superior Protection Discount | -$77 | $694 |
| Fire & Security Discount | -$62 | $709 |
| Hail Resistant Roof Discount | -$15 | $756 |
| Newly Constructed Home Discount | -$216 | $555 |
| 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 |
| Forsyth County | $1,000 | $821 | $1,821 | $597 | $1,597 | $224 |
| Kernersville, NC | $700 | $762 | $1,462 | $554 | $1,254 | $208 |
| Middle Fork I, NC | $100 | $627 | $727 | $456 | $556 | $171 |
| Winston, NC | $2,000 | $681 | $2,681 | $495 | $2,495 | $186 |
| High Point, NC | $200 | $796 | $996 | $579 | $779 | $218 |
| Clemmonsville, NC | $1,500 | $908 | $2,408 | $660 | $2,160 | $248 |
| Bermuda Run, NC | $100 | $1,122 | $1,222 | $816 | $916 | $307 |
| Mayodan, NC | $700 | $541 | $1,241 | $393 | $1,093 | $148 |
| Pleasant Garden, NC | $300 | $873 | $1,173 | $635 | $935 | $239 |
| Randleman, NC | $1,000 | $612 | $1,612 | $445 | $1,445 | $167 |
| Rowan County, NC | $200 | $737 | $937 | $536 | $736 | $201 |
| Pleasant Hill, NC | $2,000 | $607 | $2,607 | $441 | $2,441 | $166 |
| Home Insurance Company Kernersville, NC | Homeowners Insurance Agency Kernersville, NC | Address | Popularity Score | Distance from Kernersville (miles) |
|---|---|---|---|---|
| Nationwide | Michael J Morgan Agency | 2200 Silas Creek Pkwy Ste 4 A, Winston-Salem, NC, 27103 | 11.2 | |
| State Farm | Kevin Gill | 1411 Welborn St Ste 102, High Point, NC, 27262-2698 | 12.0 | |
| Allstate | Tammie Grisso Dallura | 3815 Tinsley Dr Ste 161, High Point, NC, 27265 | 10.2 | |
| State Farm | Kim Bates | 200 Charlois Blvd Ste 200, Winston Salem, NC, 27103-1536 | 12.4 | |
| State Farm | Kevin Bugg | 1325 Nc Highway 66 S Ste F, Kernersville, NC, 27284-3768 | 3.4 | |
| State Farm | Drew Baker | 608 Pisgah Ch Rd, Greensboro, NC, 27455-2554 | 16.3 | |
| State Farm | Kirt Watkins | 930 W 4th St, Winston Salem, NC, 27101-2518 | 9.7 | |
| Allstate | Edward J. Sarnocinski | 1692b Nc Highway 68 N Ste B, Oak Ridge, NC, 27310 | 6.3 | |
| Nationwide | Ringeman Insurance Agency L.L.C. | 8064 North Point Blvd, Winston-Salem, NC, 27106 | 10.0 | |
| Travelers | Worldwide Ins Net Inc-Mn | 1589 Skeets Club Rd #102 Pmb 349, High Point, NC, 27265 | 10.0 |
| 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 |
| Forsyth County, NC | $151,400 | $831 | $570 | $1,180 | $610 |
| Kernersville, NC | $167,700 | $771 | $520 | $1,060 | $540 |
| Middle Fork I, NC | $102,300 | $635 | $460 | $880 | $420 |
| Winston, NC | $142,200 | $689 | $500 | $950 | $450 |
| High Point, NC | $144,900 | $806 | $580 | $1,140 | $560 |
| Clemmonsville, NC | $222,000 | $919 | $620 | $1,300 | $680 |
| Bermuda Run, NC | $236,300 | $1,136 | $780 | $1,580 | $800 |
| Mayodan, NC | $86,200 | $548 | $400 | $760 | $360 |
| Pleasant Garden, NC | $158,500 | $884 | $590 | $1,230 | $640 |
| Randleman, NC | $108,400 | $619 | $450 | $850 | $400 |
| Rowan County, NC | $130,400 | $746 | $540 | $1,070 | $530 |
| Pleasant Hill, NC | $98,200 | $614 | $450 | $870 | $420 |