Gavop shows you how to buy homeowners insurance in Kinston, NC by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $48,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $95,500 | $80,000 | $75,000-$100,000 |
| 3 Bedroom | $120,500 | $100,000 | $125,000-$150,000 |
| 4 Bedroom | $178,000 | $170,000 | $150,000-$175,000 |
| 5 Bedroom | $416,000 | $350,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$104 | $474 |
| Superior Protection Discount | -$52 | $526 |
| Fire & Security Discount | -$52 | $526 |
| Hail Resistant Roof Discount | -$12 | $566 |
| Newly Constructed Home Discount | -$121 | $456 |
| 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 |
| Lenoir County | $1,500 | $984 | $2,484 | $715 | $2,215 | $269 |
| Kinston, NC | $1,000 | $571 | $1,571 | $415 | $1,415 | $156 |
| Trent, NC | $100 | $579 | $679 | $421 | $521 | $158 |
| Shine, NC | $1,000 | $512 | $1,512 | $372 | $1,372 | $140 |
| Seven Springs, NC | $300 | $452 | $752 | $328 | $628 | $123 |
| New Hope, NC | $2,500 | $636 | $3,136 | $462 | $2,962 | $174 |
| Carolina, NC | $400 | $452 | $852 | $328 | $728 | $123 |
| Lucama, NC | $2,000 | $478 | $2,478 | $348 | $2,348 | $131 |
| Grantsboro, NC | $300 | $588 | $888 | $427 | $727 | $161 |
| Bailey, NC | $2,500 | $710 | $3,210 | $516 | $3,016 | $194 |
| Four Oaks, NC | $2,500 | $681 | $3,181 | $495 | $2,995 | $186 |
| Home Insurance Company Kinston, NC | Homeowners Insurance Agency Kinston, NC | Address | Popularity Score | Distance from Kinston (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Conway & Co. Insurers | 2914 N Herritage St, Kinston, NC, 28501 | 1.4 | |
| Erie | Dean Williams Insurance Agency | 311 North Spence Avenue, Goldsboro, NC, 27530 | 22.9 | |
| Travelers | Preferred Choice Insurance | 616 New Bridge St, Jacksonville, NC, 28540 | 37.6 | |
| Nationwide | Susan W. Stanley | 304 N Taylor St, Goldsboro, NC, 27530-4022 | 23.8 | |
| State Farm | Will Mitchiner | 911 S Brightleaf Blvd, Smithfield, NC, 27577-4389 | 47.0 | |
| Allstate | Wyman Honeycutt | 206 W 14th St Ste B3, Greenville, NC, 27834 | 24.4 | |
| State Farm | Judy Jones | 704-H Plaza Blvd, Kinston, NC, 28501-1567 | 1.6 | |
| Nationwide | Jonathan Gavigan Agency | 2002 S Glenburnie Rd Executive Sq Ste 5-C, New Bern, NC, 28562 | 29.1 | |
| Travelers | George Saleeby Ins & Realty | 112 B Queen St, Grifton, NC, 28530 | 9.4 | |
| Liberty Mutual Independent | Conway & Co. Insurers | 2914 N Herritage St, Kinston, NC, 28501 | 1.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| North Carolina | $161,000 | $894 | $620 | $1,230 | $610 |
| Lenoir County, NC | $93,500 | $996 | $690 | $1,410 | $720 |
| Kinston, NC | $99,600 | $578 | $390 | $820 | $430 |
| Trent, NC | $93,000 | $586 | $400 | $800 | $400 |
| Shine, NC | $80,900 | $518 | $350 | $710 | $360 |
| Seven Springs, NC | $70,800 | $457 | $330 | $640 | $310 |
| New Hope, NC | $129,500 | $643 | $430 | $880 | $450 |
| Carolina, NC | $70,700 | $457 | $320 | $640 | $320 |
| Lucama, NC | $75,100 | $484 | $340 | $680 | $340 |
| Grantsboro, NC | $94,700 | $595 | $400 | $840 | $440 |
| Bailey, NC | $119,300 | $719 | $490 | $990 | $500 |
| Four Oaks, NC | $113,000 | $689 | $490 | $970 | $480 |