Gavop's guide to buying homeowners insurance in Lovelady, 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.
| Lovelady, 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 | |
| State Rd 1826, State Rd 1223, D and L Mhp Dr, Hensley Green Ln, Looking Glass Ct, Robin Hood Dr, Honeycutt Ln, Cove View Ct, Farmwood Pl, Bucks Dr | $122,000 | $110,000 | $125,000-$150,000 | $103,000 | $90,000 | $75,000-$100,000 |
| Jay Haas Ln, Leah Dr, Fox Rd, Dockside Dr, Hayes Mill Rd, Gaither Walker Cir, Fowler Rd, Grace Terrace Dr, State Rd 1751, Plaza Dr | $105,500 | $90,000 | $100,000-$125,000 | $124,500 | $100,000 | $100,000-$125,000 |
| Heavner Pl, Fir St, Camelot Dr, Crawford Ln, Colonial Ave, E Berkley St, Chimney View Pl, Bright Leaf Cir, Edney Ct, Eider Ln | $132,500 | $120,000 | $125,000-$150,000 | $150,000 | $130,000 | $125,000-$150,000 |
| Buck Spencer Ln, White Springs Ln, Icard Ridge Rd Exn, Crestview St, W Berkley St, Hunters Creek Ln, Diamond St, Oakhill School Rd, Mullen Pl, Townsend Rd | $80,000 | $70,000 | $75,000-$100,000 | $73,000 | $60,000 | $75,000-$100,000 |
| State Rd 1813, Crab Apple Ln, State Rd 1782, Leisure Cir, Walter Starnes Rd, Maggie Ln, Gilbert Ln, Mill Race Dr, Baton Church Rd, Myers Rd | $134,000 | $130,000 | $150,000-$175,000 | $107,000 | $90,000 | $100,000-$125,000 |
| Onnie Sanders Ln, River Rd, State Rd 1222, Bridgewater Dr, Dishman Pl, Countryside Dr, Cottage Grove Rd, Little River Rd, State Rd 1807, Turner Rd | $179,500 | $150,000 | $200,000-$250,000 | $118,000 | $100,000 | $100,000-$125,000 |
| State Rd 1267, Edge St, Laws Mhp, Helms Dr, Clearview St, State Rd 1105, Cedar St, Ellenwood Rd, Egrets Ct, Sunnyside St | $169,500 | $150,000 | $175,000-$200,000 | $115,500 | $100,000 | $100,000-$125,000 |
| Lacy Rd, State Rd 1740, Ivy Ln, Moore Acres Dr, Jay St, Duke St, State Rd 1794, Cook St, Crystal Dr, Serene Pl | $147,500 | $130,000 | $125,000-$150,000 | $93,000 | $80,000 | $100,000-$125,000 |
| Stormy Way, Maple Dr, Greens Rd, A J Bryant Ln, Woodlane St Exd, State Rd 1199, Valley St, Marietta Ln, State Rd 1738, Country Villa Ln | $122,500 | $100,000 | $100,000-$125,000 | $88,500 | $80,000 | $75,000-$100,000 |
| Washboard Ln, Lost Indian Ln, Liberty Dr, Moonbeam Ln, Sheriffs Rd, Friendly Dr, Daybreak Ln, Cajah Mountain Rd, Sandhill Ct, Silver Fox Ct | $136,500 | $130,000 | $125,000-$150,000 | $102,000 | $90,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$95 | $581 |
| Superior Protection Discount | -$68 | $608 |
| Fire & Security Discount | -$68 | $608 |
| Hail Resistant Roof Discount | -$14 | $662 |
| Newly Constructed Home Discount | -$155 | $520 |
| 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 |
| Caldwell County | $1,000 | $657 | $1,657 | $478 | $1,478 | $180 |
| Lovelady, NC | $1,500 | $667 | $2,167 | $485 | $1,985 | $182 |
| Lovelace, NC | $300 | $682 | $982 | $495 | $795 | $186 |
| Higgins, NC | $1,500 | $706 | $2,206 | $513 | $2,013 | $193 |
| North Cove, NC | $200 | $535 | $735 | $389 | $589 | $146 |
| Meat Camp, NC | $2,500 | $894 | $3,394 | $650 | $3,150 | $244 |
| Harmony, NC | $300 | $644 | $944 | $468 | $768 | $176 |
| Cove Creek, NC | $700 | $954 | $1,654 | $694 | $1,394 | $261 |
| North Buck Shoals, NC | $100 | $699 | $799 | $508 | $608 | $191 |
| Mooresboro, NC | $1,000 | $667 | $1,667 | $485 | $1,485 | $182 |
| Kings Mountain, NC | $300 | $634 | $934 | $461 | $761 | $173 |
| Rutherfordton, NC | $2,000 | $647 | $2,647 | $470 | $2,470 | $177 |
| Home Insurance Company Lovelady, NC | Homeowners Insurance Agency Lovelady, NC | Address | Popularity Score | Distance from Lovelady (miles) |
|---|---|---|---|---|
| State Farm | Kevin Mcmillan | 55 Northwest Blvd, Newton, NC, 28658-3955 | 14.3 | |
| Nationwide | Parks Insurance Group | 8316 Medical Plaza Dr Ste B, Charlotte, NC, 28262-6702 | 49.4 | |
| State Farm | Juan Rubio | 9401 Statesville Rd Ste E, Charlotte, NC, 28269-7681 | 45.3 | |
| Travelers | Cordell Harris Insurance Agency Inc | 362 10th Ave Dr Ne, Hickory, NC, 28601 | 6.4 | |
| State Farm | Craig Berry | 9900 Poplar Tent Rd Ste 120, Concord, NC, 28027-9508 | 46.3 | |
| Allstate | Justin Osborn | 107 Kilson Dr Ste 101, Mooresville, NC, 28117 | 35.9 | |
| Erie | Brooks Insurance Agency Llc | 607 West Trade Street, Dallas, NC, 28034 | 36.5 | |
| Nationwide | William Viviano | 101 S Old Statesville Rd Ste B, Huntersville, NC, 28078 | 42.3 | |
| State Farm | Mike Gibson | 2940 Union Rd, Gastonia, NC, 28054-6022 | 43.3 | |
| Nationwide | Carney Insurance Agency Inc | 190 Jackson St, Davidson, NC, 28036 | 38.2 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| North Carolina | $161,000 | $894 | $600 | $1,270 | $670 |
| Caldwell County, NC | $112,400 | $665 | $470 | $920 | $450 |
| Lovelady, NC | $138,500 | $675 | $490 | $950 | $460 |
| Lovelace, NC | $113,100 | $690 | $490 | $960 | $470 |
| Higgins, NC | $118,400 | $715 | $520 | $990 | $470 |
| North Cove, NC | $85,000 | $542 | $390 | $750 | $360 |
| Meat Camp, NC | $164,100 | $905 | $620 | $1,250 | $630 |
| Harmony, NC | $105,600 | $652 | $440 | $890 | $450 |
| Cove Creek, NC | $181,400 | $966 | $670 | $1,370 | $700 |
| North Buck Shoals, NC | $116,800 | $707 | $480 | $1,000 | $520 |
| Mooresboro, NC | $110,200 | $675 | $460 | $960 | $500 |
| Kings Mountain, NC | $113,300 | $642 | $440 | $920 | $480 |
| Rutherfordton, NC | $116,100 | $655 | $480 | $930 | $450 |