Gavop's guide to buying homeowners insurance in Forest City, 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 | $42,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $126,000 | $110,000 | $100,000-$125,000 |
| 3 Bedroom | $123,000 | $120,000 | $100,000-$125,000 |
| 4 Bedroom | $196,000 | $160,000 | $200,000-$250,000 |
| 5 Bedroom | $304,000 | $250,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$137 | $719 |
| Superior Protection Discount | -$77 | $779 |
| Fire & Security Discount | -$86 | $770 |
| Hail Resistant Roof Discount | -$26 | $830 |
| Newly Constructed Home Discount | -$214 | $642 |
| 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 |
| Rutherford County | $1,000 | $641 | $1,641 | $466 | $1,466 | $175 |
| Forest City, NC | $1,000 | $846 | $1,846 | $615 | $1,615 | $231 |
| Ruth, NC | $300 | $645 | $945 | $469 | $769 | $176 |
| Rutherford County, NC | $2,500 | $641 | $3,141 | $466 | $2,966 | $175 |
| Green Creek, NC | $500 | $907 | $1,407 | $659 | $1,159 | $248 |
| North Brook, NC | $700 | $671 | $1,371 | $487 | $1,187 | $183 |
| Howards Creek, NC | $100 | $645 | $745 | $469 | $569 | $176 |
| Balfour, NC | $2,500 | $873 | $3,373 | $635 | $3,135 | $239 |
| Rhodhiss, NC | $100 | $508 | $608 | $369 | $469 | $139 |
| Maiden, NC | $1,000 | $744 | $1,744 | $541 | $1,541 | $203 |
| Union, SC | $300 | $799 | $1,099 | $581 | $881 | $218 |
| Lower Creek, NC | $700 | $634 | $1,334 | $461 | $1,161 | $173 |
| Home Insurance Company Forest City, NC | Homeowners Insurance Agency Forest City, NC | Address | Popularity Score | Distance from Forest City (miles) |
|---|---|---|---|---|
| State Farm | Anthony Gallant | 1002 Union Rd Ste 1, Gastonia, NC, 28054-5525 | 39.7 | |
| Erie | Johnson Insurance Group Inc. | 1905 E Garrison Blvd, Gastonia, NC, 28054 | 41.2 | |
| Erie | Robert D Black Insurance Services | 108 West Catawba Avenue, Mount Holly, NC, 28120 | 48.4 | |
| Allstate | Lindsay Nelson | 2903 Audrey Dr, Gastonia, NC, 28054 | 42.0 | |
| State Farm | Rich Lyon | 135 Cross Center Rd, Denver, NC, 28037-5009 | 50.0 | |
| Travelers | Byrd Insurance Agency Inc | 2370 Us Hwy 221 N Business, Marion, NC, 28752 | 27.9 | |
| State Farm | Art Shoemaker | 305 Belm Mnt Hly Rd, Belmont, NC, 28012-2606 | 47.3 | |
| Allstate | Alan Carpenter | 479 N Generals Blvd, Lincolnton, NC, 28092 | 37.0 | |
| Erie | Marco Insurance Services | 221 S Lafayette Street Suite 3, Shelby, NC, 28150 | 18.9 | |
| Erie | Peterson Insurance Group Inc. | 1 S Main Street Ext, Weaverville, NC, 28787 | 45.9 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| North Carolina | $161,000 | $894 | $610 | $1,240 | $630 |
| Rutherford County, NC | $109,000 | $649 | $470 | $900 | $430 |
| Forest City, NC | $88,500 | $856 | $590 | $1,210 | $620 |
| Ruth, NC | $105,700 | $653 | $440 | $910 | $470 |
| Rutherford County, NC | $109,000 | $649 | $430 | $900 | $470 |
| Green Creek, NC | $167,500 | $918 | $620 | $1,310 | $690 |
| North Brook, NC | $121,700 | $679 | $490 | $960 | $470 |
| Howards Creek, NC | $132,200 | $653 | $440 | $930 | $490 |
| Balfour, NC | $158,400 | $884 | $650 | $1,260 | $610 |
| Rhodhiss, NC | $80,200 | $514 | $350 | $710 | $360 |
| Maiden, NC | $126,800 | $753 | $540 | $1,040 | $500 |
| Union, SC | $73,500 | $809 | $540 | $1,120 | $580 |
| Lower Creek, NC | $129,200 | $642 | $470 | $880 | $410 |