Gavop's guide to buying homeowners insurance in Cumberland 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.
| Cumberland 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 | |
| Ballpark Rd, E Park Dr, State Rd 1107, Mesa Dr, Leander Ln, Sugaridge Ln, Laramie Ct, N Sumac Cir, Dixie Trl, Acacia Dr | $123,500 | $100,000 | $125,000-$150,000 | $163,000 | $140,000 | $175,000-$200,000 |
| State Rd 2005, Irrigation Dr, Culbreth Rd, University Ave, Barges Ln, Magnolia Church Rd, Friendly Rd, Paintersmill Dr, State Rd 1862, Bass Hill Ln | $155,500 | $140,000 | $125,000-$150,000 | $175,000 | $150,000 | $200,000-$250,000 |
| Jarvis St, Hammerfest Cir, Spotted Horse Ln, Callahan Cir, Stamper Rd, Greenbay Rd, Rutherglen Dr, Madison Ave, Lifestyle Rd, Grays Creek Church Rd | $116,000 | $110,000 | $125,000-$150,000 | $89,500 | $70,000 | $75,000-$100,000 |
| Stoneykirk Dr, Singletree Ln, Hayfield Rd, Cactus Ct, Dunbridge Dr, Whisper Wood Dr, Wayne Ln, Batesburg Dr, Ladson Cir, 4th St | $170,500 | $150,000 | $125,000-$150,000 | $207,500 | $170,000 | $175,000-$200,000 |
| Scallywag Rd, Tourmaline Dr, Ryder St, Coliseum Dr, Longmoor Dr, McCabe St, Gatesville Dr, Rod St, Cameo Ct, Dragonfly Dr | $174,000 | $150,000 | $150,000-$175,000 | $114,000 | $90,000 | $75,000-$100,000 |
| Old McPherson Church Rd, Daniels Ct, Hulon St, Airedale Ct, Laura Ray Rd, Heriot Dr, State Rd 3084, Dupont Plz, Rhodhiss Ct, Lake Upchurch Dr | $142,500 | $130,000 | $150,000-$175,000 | $174,500 | $150,000 | $175,000-$200,000 |
| Godwin Cir, Clipper Dr, Hollow Springs Ct, Locust St, Kedenburg St, Wyandotte Dr, Tunis Ct, Knox St, Sandclay Rd, Sunchon Rd | $107,000 | $100,000 | $100,000-$125,000 | $82,500 | $70,000 | $75,000-$100,000 |
| Silver Pine Dr, Streeter Dr, Cedarwood St, Donovan St, McCoy Cross, Kirkland Dr, Jockey Whip Ln, State Rd 2309, Tanbark Ct, Buie Ave | $158,500 | $150,000 | $125,000-$150,000 | $108,500 | $100,000 | $125,000-$150,000 |
| State Rd 1798, Cypress Lakes Rd, Hunters Run, Beaver Creek Dr, Tasha Dr, Tractor Rd, Batesfield Dr, Explorer St, Regency Dr, Meinlock Ln | $216,000 | $200,000 | $200,000-$250,000 | $140,500 | $130,000 | $150,000-$175,000 |
| Aberdeen Pl, Edwards St, Shep Dr, Laurel St, Carl Freeman Rd, Goodyear Dr, Carnsmore Dr, Eastover St, Knight Pl, Hulon St | $117,500 | $100,000 | $125,000-$150,000 | $99,000 | $80,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$135 | $615 |
| Superior Protection Discount | -$67 | $682 |
| Fire & Security Discount | -$60 | $690 |
| Hail Resistant Roof Discount | -$15 | $735 |
| Newly Constructed Home Discount | -$165 | $585 |
| 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 |
| Cumberland County | $2,000 | $741 | $2,741 | $538 | $2,538 | $202 |
| Cumberland County, NC | $2,000 | $741 | $2,741 | $538 | $2,538 | $202 |
| Buies Creek, NC | $300 | $908 | $1,208 | $660 | $960 | $248 |
| Upper Little River, NC | $1,500 | $678 | $2,178 | $493 | $1,993 | $185 |
| Vass, NC | $200 | $676 | $876 | $491 | $691 | $185 |
| Wagram, NC | $1,000 | $514 | $1,514 | $373 | $1,373 | $140 |
| Spring Hill, NC | $100 | $846 | $946 | $615 | $715 | $231 |
| Turkey, NC | $2,500 | $437 | $2,937 | $317 | $2,817 | $119 |
| McDonald, NC | $500 | $507 | $1,007 | $368 | $868 | $139 |
| Cleveland, NC | $2,500 | $813 | $3,313 | $591 | $3,091 | $222 |
| Panther Branch, NC | $200 | $876 | $1,076 | $636 | $836 | $239 |
| Fairmont, NC | $2,000 | $861 | $2,861 | $625 | $2,625 | $235 |
| Home Insurance Company Cumberland County, NC | Homeowners Insurance Agency Cumberland County, NC | Address | Popularity Score | Distance from Cumberland County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Schultze Insurance Agency Inc | 1638 E Booker Dairy Rd, Smithfield, NC, 27577 | 43.6 | |
| State Farm | Amy Waldrop | 412 E Williams St Ste C, Apex, NC, 27502-2186 | 46.5 | |
| Travelers | Carolina Insurance Alliance | 1140 Kildaire Farm Rd Ste Ste 104, Cary, NC, 27511 | 49.5 | |
| State Farm | Rodney Sherrill | 920 Brighton Rd, Fayetteville, NC, 28314-2512 | 7.3 | |
| Liberty Mutual Independent | Snipes Insurance Service Inc | 105 N Wilson Ave, Dunn, NC, 28334 | 21.7 | |
| Travelers | Apex Cary Insurance | 1001 Pemberton Hill Rd Ste 101, Apex, NC, 27502 | 48.0 | |
| Allstate | Paul Romero | 421 Chapanoke Rd Ste 114, Raleigh, NC, 27603 | 48.3 | |
| Erie | Pelnik Insurance | 100 Ridge View Drive Suite 100, Cary, NC, 27511 | 48.8 | |
| Liberty Mutual Independent | Trapp Insurance Group Inc | 1135 Kildaire Farm Rd Ste 307, Cary, NC, 27511 | 49.6 | |
| Nationwide | Cary Insurance Group Inc. | 104 Fountain Brook Cr Ste B, Cary, NC, 27511 | 49.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| North Carolina | $161,000 | $894 | $650 | $1,260 | $610 |
| Cumberland County, NC | $131,200 | $750 | $500 | $1,060 | $560 |
| Cumberland County, NC | $131,200 | $750 | $540 | $1,030 | $490 |
| Buies Creek, NC | $168,000 | $919 | $670 | $1,260 | $590 |
| Upper Little River, NC | $123,300 | $686 | $490 | $980 | $490 |
| Vass, NC | $111,900 | $684 | $490 | $960 | $470 |
| Wagram, NC | $81,300 | $520 | $370 | $720 | $350 |
| Spring Hill, NC | $72,000 | $856 | $590 | $1,220 | $630 |
| Turkey, NC | $68,300 | $442 | $310 | $610 | $300 |
| McDonald, NC | $80,000 | $513 | $370 | $710 | $340 |
| Cleveland, NC | $185,400 | $823 | $590 | $1,130 | $540 |
| Panther Branch, NC | $208,800 | $886 | $650 | $1,270 | $620 |
| Fairmont, NC | $66,900 | $871 | $590 | $1,210 | $620 |