Gavop's guide to buying homeowners insurance in McDowell 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.
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Newly Constructed Home | -$157 | $498 |
| 30 year old | +$10 | $666 |
| 40 year old | +$17 | $673 |
| 50 year old | +$25 | $681 |
| Above 50 year old | +$31 | $687 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$125 | $531 |
| Superior Protection Discount | -$66 | $590 |
| Fire & Security Discount | -$72 | $584 |
| Hail Resistant Roof Discount | -$13 | $643 |
| Newly Constructed Home Discount | -$151 | $505 |
| 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 |
| McDowell County | $2,000 | $648 | $2,648 | $471 | $2,471 | $177 |
| McDowell County, NC | $2,500 | $648 | $3,148 | $471 | $2,971 | $177 |
| Montreat, NC | $300 | $1,689 | $1,989 | $1,228 | $1,528 | $462 |
| Ruth, NC | $2,000 | $645 | $2,645 | $469 | $2,469 | $176 |
| Cool Spring, NC | $400 | $614 | $1,014 | $446 | $846 | $168 |
| Frank, NC | $2,500 | $597 | $3,097 | $434 | $2,934 | $163 |
| , NC | $300 | $649 | $949 | $472 | $772 | $177 |
| Horse Shoe, NC | $1,000 | $1,046 | $2,046 | $760 | $1,760 | $286 |
| Yadkin Valley, NC | $500 | $788 | $1,288 | $573 | $1,073 | $215 |
| Brushy Fork, NC | $2,500 | $1,101 | $3,601 | $800 | $3,300 | $301 |
| West Canton, NC | $100 | $762 | $862 | $554 | $654 | $208 |
| Southern Shops, SC | $700 | $299 | $999 | $218 | $918 | $82 |
| Home Insurance Company McDowell County, NC | Homeowners Insurance Agency McDowell County, NC | Address | Popularity Score | Distance from McDowell County (miles) |
|---|---|---|---|---|
| Travelers | Lincoln Insurance Agency Inc | 510 East Main St, Lincolnton, NC, 28092 | 47.2 | |
| Allstate | Mcdaniel-Scott Agency | 404 Cherryville Rd, Shelby, NC, 28150 | 40.2 | |
| Travelers | Morrow Insurance Agency | 246 South Main Street, Marion, NC, 28752 | 2.3 | |
| Liberty Mutual Independent | Broome Associated Insurance | 630 4th St S W, Hickory, NC, 28603 | 39.6 | |
| Nationwide | Jason Herman Insurance Agency Llc | 103 3rd St Se, Conover, NC, 28613 | 46.6 | |
| Allstate | John Brown | 503 E Main St, Cherryville, NC, 28021 | 43.3 | |
| State Farm | Andrea Mcdonough | 450 New Market Blvd Ste 1, Boone, NC, 28607-5501 | 43.0 | |
| Travelers | Davidson Insurance Agency | 1205 Shelby Rd, Kings Mountain, NC, 28086 | 49.0 | |
| State Farm | Paul Parker | 1203 E Main St, Lincolnton, NC, 28092-3839 | 47.6 | |
| Travelers | Iris Fox Insurance | 103 Carbon City Rd, Morganton, NC, 28655 | 19.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| North Carolina | $161,000 | $894 | $650 | $1,240 | $590 |
| McDowell County, NC | $110,400 | $656 | $470 | $910 | $440 |
| McDowell County, NC | $110,400 | $656 | $440 | $900 | $460 |
| Montreat, NC | $405,600 | $1,710 | $1,150 | $2,430 | $1,280 |
| Ruth, NC | $105,700 | $653 | $460 | $920 | $460 |
| Cool Spring, NC | $108,700 | $621 | $450 | $880 | $430 |
| Frank, NC | $96,300 | $604 | $410 | $840 | $430 |
| , NC | $110,500 | $657 | $480 | $900 | $420 |
| Horse Shoe, NC | $210,300 | $1,059 | $770 | $1,490 | $720 |
| Yadkin Valley, NC | $136,900 | $798 | $570 | $1,090 | $520 |
| Brushy Fork, NC | $228,600 | $1,114 | $790 | $1,580 | $790 |
| West Canton, NC | $130,800 | $771 | $520 | $1,090 | $570 |
| Southern Shops, SC | $50,500 | $303 | $220 | $420 | $200 |